Your Benefits Broker Should Save You More Than They Cost.
Most employers overpay for benefits — not because they’re careless, but because they don’t have an expert in their corner at renewal time. JS Benefits Group delivers measurable, documented savings through smarter plan design, aggressive carrier negotiation, and compliance that prevents costly mistakes.

The Numbers Are Staggering.
Healthcare costs are projected to rise 7–8% in 2026, yet 67% of employers renew without ever shopping the market — because carriers count on that inertia. We don’t let that happen. From level-funded plan design to ACA compliance, our clients typically save 15–30% in year one — and every service is included at no additional cost.

Real Employers. Real Savings.
A Pennsylvania manufacturer with 145 employees saved $187,000 in year one. A New Jersey firm avoided $94,500 in IRS penalties. A Delaware healthcare organization reduced premiums by 22% — while employees actually preferred the new plan.

Find Out What You’re Leaving on the Table.
A free benefits analysis takes less than an hour and shows you exactly what your current plan is costing you — and what a smarter strategy would save. No pressure. No obligation. Just numbers.

Submit the form on the left or click here for more information.

Your Benefits Broker Should Save You More Than They Cost.
Most employers overpay for benefits — not because they’re careless, but because they don’t have an expert in their corner at renewal time. JS Benefits Group delivers measurable, documented savings through smarter plan design, aggressive carrier negotiation, and compliance that prevents costly mistakes.

The Numbers Are Staggering.
Healthcare costs are projected to rise 7–8% in 2026, yet 67% of employers renew without ever shopping the market — because carriers count on that inertia. We don’t let that happen. From level-funded plan design to ACA compliance, our clients typically save 15–30% in year one — and every service is included at no additional cost.

Real Employers. Real Savings.
A Pennsylvania manufacturer with 145 employees saved $187,000 in year one. A New Jersey firm avoided $94,500 in IRS penalties. A Delaware healthcare organization reduced premiums by 22% — while employees actually preferred the new plan.

Find Out What You’re Leaving on the Table.
A free benefits analysis takes less than an hour and shows you exactly what your current plan is costing you — and what a smarter strategy would save. No pressure. No obligation. Just numbers.

Submit the form on the left or click here for more information.

About Jennifer Schaefer

Jennifer Schaefer, MBA, CLU, CHFC, RHU, REBC, SHRM-SCP – Employee Benefits Expert | HR Leader | Certified Corporate Wellness Specialist I help businesses lower healthcare costs, implement level funded and self-funded plans, and create benefits programs that attract and retain top talent. Featured in the Philadelphia Inquirer and BestofHR.
11 06, 2026

How New Jersey Businesses Can Lower Healthcare Costs Without Reducing Benefits

By |2026-06-01T12:39:37-04:00June 11th, 2026|Categories: Employee Benefits, Group Health, Small Business|

Healthcare costs keep going up, and many New Jersey businesses are feeling the strain. Each year, employers face higher expenses but still want to provide good benefits for their teams. This makes it tough to balance costs with value.

The good news is you do not have to cut benefits to lower healthcare costs. Often, businesses can save money by better managing their healthcare plans. With good planning and smart choices, you can find long-term savings without reducing employee coverage.

Understand Where […]

9 06, 2026

The Hidden Costs in Your Health Plan (And How to Eliminate Them)

By |2026-06-01T12:36:52-04:00June 9th, 2026|Categories: Employee Benefits, finance, Group Health|

Healthcare plans are a major expense for most businesses, but some important costs often go unnoticed. Many employers focus on premiums and renewals, not realizing that smaller issues can slowly drive up spending.

As healthcare costs rise, it’s more important than ever to understand these hidden expenses. Finding them early helps businesses plan better, cut waste, and control employee benefit costs without reducing quality.

Rising Pharmacy Costs

Pharmacy benefit costs are one of the biggest hidden expenses for employers. Prescription drugs, especially specialty […]

7 06, 2026

Jennifer Schaefer Accepted into Forbes Business Council

By |2026-06-07T15:28:45-04:00June 7th, 2026|Categories: Business Leadership, Employee Benefits, Employee Benefits Consulting, Media, News|Tags: , , , , , , |

Founder & CEO of JS Benefits Group Joins Invitation-Only Community for Business Leaders

I am honored to announce my acceptance into Forbes Business Council, an invitation-only organization for successful business owners and executives.

Throughout my career, I have been passionate about helping employers improve business performance through strategic employee benefits, workforce engagement, healthcare cost management, and long-term planning. Being recognized by Forbes Business Council is both a professional milestone and an opportunity to contribute to a network of accomplished business leaders from […]

7 06, 2026

Self-Insured Health Plans: How They Work and When They Make Sense

By |2026-06-01T12:32:27-04:00June 7th, 2026|Categories: Employee Benefits, Group Health, Insurance|

Healthcare costs are rising, so many businesses are seeking better ways to manage them. With traditional insurance, you pay fixed premiums and have limited control, which makes it difficult to track where your money goes.

That’s why more companies are looking into self-insured health plans. These plans give you more control and flexibility, but they also come with some risk. Learning how they work can help you decide if they’re a good choice for your business.

What Are Self-Insured Health Plans?

With self-insured […]

6 06, 2026

The 3 Compliance Mistakes That Cost Employers the Most

By |2026-06-06T19:31:22-04:00June 6th, 2026|Categories: ACA, Benefits Compliance Checklist, Cobra, Employee Benefits, Employee Benefits Consulting, Employer Compliance Review, ERISA Compliance, HR, HR Compliance, Workplace|

One missed compliance notice cost a New Jersey employer more than $94,500.

Employee benefits compliance isn’t just a paperwork exercise. For employers, mistakes involving ACA reporting, ERISA documentation, and COBRA notices can lead to significant penalties, audits, and unnecessary legal exposure.

In this video, Kathryn Reed, SHRM-CP, Senior Director of HR at JS Benefits Group, discusses three of the most common compliance mistakes employers make and what organizations can do to avoid them.

5 06, 2026

Jennifer Schaefer Featured in Urban Splatter: Five Employee Benefits Mistakes Growing Companies Make

By |2026-06-05T18:52:05-04:00June 5th, 2026|Categories: Employee Benefits, Future of Work, Workplace|

Jennifer Schaefer, Founder & CEO JS Benefits Group

Jennifer Schaefer, MBA, ChFC, SHRM-SCP, Founder & CEO of JS Benefits Group, was recently featured in Urban Splatter discussing five common employee benefits mistakes growing companies make.

As healthcare costs continue to rise and competition for talent intensifies, employers face increasing pressure to offer benefits that attract and retain employees while maintaining financial sustainability. Unfortunately, many growing organizations make avoidable mistakes that can increase costs, reduce […]

5 06, 2026

How CFOs Can Take Control of Employee Benefit Costs Without Cutting Value

By |2026-06-01T12:29:49-04:00June 5th, 2026|Categories: Employee Benefits, finance, HR|

Employee benefit costs are rising, and many CFOs find them harder to manage. Budgets go up each year, often without a clear reason. This uncertainty makes planning tough and adds pressure to cut costs.

However, cutting benefits is not a good solution. It can lower employee satisfaction and make retention more difficult. Instead, focus on improving benefits ROI and controlling cost trends without reducing value.

Start with Better Visibility

The first step in controlling employee benefit costs is knowing exactly where your money […]

3 06, 2026

Understanding Level-Funded Health Plans for Pennsylvania Employers

By |2026-06-01T12:23:57-04:00June 3rd, 2026|Categories: Employee Benefits, Insurance|

If you’ve looked at your company’s health insurance costs recently, you’ve probably noticed one thing: they keep going up. And each year, it feels like you’re paying more without really understanding why.

For many Pennsylvania employers, this becomes frustrating. You want to offer good benefits, but you also need to manage costs. The problem is that traditional plans don’t always give you much control.

That’s why more businesses are turning to level-funded health plans. They offer a simpler way to balance cost […]

2 06, 2026

Why Employee Benefits Are a Business Strategy, Not Just HR

By |2026-06-02T19:04:55-04:00June 2nd, 2026|Categories: Employee Benefits, Future of Work|


For years, many employers viewed employee benefits as an administrative necessity, a yearly renewal process focused primarily on managing costs. Today’s workforce has changed that mindset. Employee benefits have evolved into a critical business strategy that directly impacts recruitment, retention, employee engagement, and long-term organizational success.

In a competitive labor market, salary alone is rarely enough to attract and retain top talent. Employees are increasingly evaluating employers based on […]

1 06, 2026

The Future of Work and Level Funded Health Plans

By |2026-06-02T19:06:07-04:00June 1st, 2026|Categories: Employee Benefits, Future of Work, Group Health, HR|

The Future of Work and Level Funded Health Plans

By Jennifer Schaefer, MBA, ChFC, SHRM-SCP

Founder & CEO, JS Benefits Group

The Future of Work with Level Funded Health Plans 

Over the past few years, I’ve noticed a significant shift in conversations with business owners and HR leaders.

The discussion is no longer just about offering employee benefits. It’s about offering benefits that employees truly value while keeping healthcare costs under control.

Healthcare continues […]