Does a RetireReady NJ Exemption Apply If Only Some Employees Have a Retirement Plan?
Quick Answer: A RetireReady NJ exemption can apply even if a qualified retirement plan is available to only some employees. RetireReady NJ’s published guidance says an employer does not have to offer the qualified plan to every employee to be exempt. The state gives the example of an employer that contributes to a qualified plan […]
How to Reduce Employee Health Insurance Costs Without Cutting Benefits
Learn how businesses can reduce employee health insurance costs while maintaining valuable benefits and supporting employee satisfaction.
Why Philadelphia Employers Are Rethinking Employee Benefits Before Renewal Season
Philadelphia employee benefits need early review before renewal season. Learn how employers can manage costs, improve plans, and reduce renewal pressure.
What CFOs Should Ask Before Approving Next Year’s Benefits Budget
Employee benefits budget decisions need more than renewal rates. See what CFOs should ask before approving next year’s benefits spend.
Employee Benefits Are a Business Strategy — Not Just an HR Expense
For most of the employers I work with, health benefits are the second-largest expense on the books after payroll. Yet the decision about that expense often gets made in one meeting, once a year, in response to a number someone else calculated. That’s the part worth changing. BusinessABC made a version of this argument recently […]
The Benefits Mistakes That Quietly Drive Up Healthcare Costs for Small Businesses
Small business health insurance costs rise when benefit plans go unmanaged. Learn common mistakes that increase spend and how employers can fix them.
How Pennsylvania Employers Can Build Better Benefits Without Raising Premiums
Learn how Pennsylvania employee benefits can improve through smarter plan design, employee support, and cost control without raising premiums.
Mid-Market Employers Are Rethinking Health Plan Funding: Why the Conversation Can’t Wait Until Renewal
By Jennifer Schaefer, MBA, ChFC, CLU, RHU, REBC, SHRM-SCP Founder & CEO, JS Benefits Group | Forbes Business Council Contributor | Co-Host, Executive Leaders Radio For years, many mid-market employers have approached healthcare benefits the same way: wait for the renewal, review the premium increase, negotiate where possible, and decide whether to absorb the additional […]
How Claims Data Can Help Pennsylvania Employers Find Hidden Healthcare Savings
Claims data analysis gives Pennsylvania employers a clearer view of what actually drives healthcare spending. Premium increases often feel like a carrier’s decision, but the numbers usually point to specific patterns: high-cost prescriptions, avoidable ER visits, low rates of preventive care, or repeated claims tied to chronic conditions. Employers who study claims data before renewal […]
How Better Benefits Can Help Pennsylvania Companies Compete With Larger Employers
Pennsylvania employee benefits can help smaller companies compete with larger employers by improving plan value, communication, and workforce support.
