Employee Benefits

Plenty of Washington employers are quietly unhappy with their insurance broker. The renewal shows up days before the deadline. Nobody has educated the employees in years. Every benefits question lands on the office manager. And yet the company stays put, because switching feels disruptive. Here is the truth: changing brokers is one of the least…

Most Washington small business owners believe every benefit they offer has to come out of the company’s pocket. That belief keeps a lot of good employers from offering anything at all. Voluntary benefits break that assumption: they let you put real, meaningful coverage in front of your employees at little or no cost to the…

If your business has renewed a fully insured group health plan lately, you have probably felt the sting: another year, another rate increase, often delivered right before the deadline. More and more Washington employers are asking about an alternative that most brokers never bring up: the level-funded health plan. I have helped Washington businesses move…

“We can’t afford benefits.” I hear this from Washington business owners almost every week. It is usually said with some regret, because the same owners tell me in the next breath that they are struggling to hire, or that a good employee just left for a company with health insurance. Here is the honest answer…