Who we serve / Family-owned businesses
Benefits with a clear place for owners and employees.
A family business needs an understandable plan and careful answers about owners, relatives, payroll, and the person keeping enrollment up to date.
Start with these three decisions.
Tell us your entity type, owner and employee structure, and who manages payroll.
Owner eligibility
Check business structure and plan terms.
Relatives on payroll
Review actual employment and carrier requirements.
Simple administration
Name the company administrators and document the handoffs.
Separate eligibility from tax treatment
Being eligible for a plan does not answer how owner premiums should be reported or deducted. S corporation shareholders, partners, and sole proprietors can have different treatment. Have your CPA review the actual entity and ownership; WIB does not provide tax advice.
Check the small-group requirements
Do not rely on a universal two-person enrollment rule or a fixed participation percentage. Confirm whether the business has qualifying employees and how the carrier treats owners, spouses, family members, valid waivers, and contributions. Washington OIC describes small-group options for businesses with 1–50 employees, subject to eligibility requirements.
A practical example · illustrative
An owner and an office manager
Assign who enters hires and terminations, who checks deductions and invoices, and when WIB receives changes. Employee Navigator is available and customized at no extra cost for group clients who want it.
Coverage to compare
Availability, eligibility, and benefits depend on the proposed plan and its current terms.
- Medical and dependent options
- Compare owner and employee eligibility before reviewing costs.
- Life and disability
- Discuss income protection and key-person needs, with legal advice for any buy-sell arrangement.
- Dental, vision, and optional benefits
- Keep choices and payroll deductions understandable for a small team.
From comparison to enrollment
We help connect the benefits decision with the people using and managing the plan.
- 01 / PLAN
Map the needs
Tell us your entity type, owner and employee structure, and who manages payroll.
- 02 / COMPARE
Review the tradeoffs
Compare actual plan costs, access, contributions, and the questions payroll or specialist advisers need to resolve.
- 03 / SUPPORT
Help the team enroll
We provide group, individual, and live virtual education, including shifts, multiple visits, new hires, and support after enrollment at no extra fee for client teams.
Before you get started
Will the platform take over all administration?
No. Your trained company administrators enter new hires and terminations; WIB handles carrier changes. A third-party COBRA administrator sends and tracks applicable notices, with potential vendor fees.
What administration is included?
Employee Navigator is available and customized at no extra cost for group clients who want it. WIB trains company administrators to enter new hires and terminations; WIB handles carrier changes. We coordinate third-party COBRA administrators that send and track notices. Vendor fees may apply, with waivers for some groups based on size and benefits package.
Sources checked September 19, 2026. General information; your plan and circumstances matter.
OIC · groupIRS · ownerLet’s start with your team.
Tell us your entity type, owner and employee structure, and who manages payroll. No existing plan is required.