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.

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

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 […]

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 […]

1 06, 2026

Healthcare Captives Explained: A Strategic Advantage for HR Directors and CFOs

By |2026-06-01T10:16:58-04:00June 1st, 2026|Categories: Employee Benefits, finance, Group Health, HR, Insurance|

Healthcare costs keep rising each year, putting pressure on many businesses. Companies end up paying more for insurance and have less control over these increasing expenses.

Healthcare captives offer a different approach. Instead of relying solely on traditional insurance, they let companies take greater control over how their health plans operate.

What Are Healthcare Captives?

Healthcare captives are insurance models owned by a group. Several companies join together to share risk and form a group captive health insurance program.

Each company contributes to a […]

23 05, 2026

The Future Workforce Expects More Than Traditional Insurance

By |2026-05-24T06:57:37-04:00May 23rd, 2026|Categories: Employee Benefits, Future of Work, Group Health, HR|


The workplace is evolving faster than ever before, and employee expectations are changing with it.

The future workforce expects more than traditional insurance, creating major changes in employee benefits and workplace culture.

Today’s workforce is looking for more than just a paycheck and a standard health insurance plan. Employees want to work for organizations that prioritize flexibility, well-being, workplace culture, and long-term support.

This shift is redefining the future […]

9 05, 2026

What Employees Actually Want From Their Benefits Package in 2026

By |2026-05-09T12:31:00-04:00May 9th, 2026|Categories: HR|Tags: , , |

For a long time, most companies approached benefits the same way.

Offer medical coverage. Add dental and vision. Review the renewal each year and hope employees are happy enough with it.

That approach doesn’t work the way it used to.

Employees are paying much closer attention to what benefits actually do for them day to day — not just what’s listed in a brochure or enrollment packet.

In a lot of workplaces, expectations have changed faster […]

4 05, 2026

Employee Benefits Trends to Watch in Pennsylvania in 2026

By |2026-05-09T13:31:56-04:00May 4th, 2026|Categories: HR|

Rising costs and changing workforce expectations are shaping how companies approach employee benefits in Pennsylvania. Employers are adjusting strategies to stay competitive while managing expenses.

Planning is key. Businesses that follow current benefits trends in 2026 are better prepared to attract and retain talent.

Focus on Cost Control

Healthcare and insurance costs continue to increase. Businesses are looking for ways to manage spending without reducing value.

More companies are reviewing plans and removing unused services. Smarter budgeting helps maintain strong employee benefits in Pennsylvania […]

26 04, 2026

ACA Forms 1094 C and 1095 C Explained for Small Businesses

By |2026-04-09T07:44:59-04:00April 26th, 2026|Categories: Employee Benefits, HR|

Understanding ACA forms 1094-C and 1095-C is crucial for Pennsylvania small businesses. The IRS requires these forms to report employee health coverage and ensure compliance with the Affordable Care Act. Following statewide PA /compliance guidelines helps businesses avoid penalties, maintain accurate records, and demonstrate that they provide adequate health benefits.

For small business owners, knowing how these forms work reduces errors, saves time during tax season, and supports proper documentation. Employees also benefit by receiving clear information about their health coverage, which promotes […]

22 04, 2026

Open Enrollment Tips for Pennsylvania Employers

By |2026-04-30T16:09:03-04:00April 22nd, 2026|Categories: Employee Benefits, HR|

Open enrollment is a crucial period for Pennsylvania businesses. It is the time when employees select their health, retirement, and other benefits for the upcoming year. A well-organized open enrollment process ensures employees understand their options, make informed decisions, and remain satisfied with their employee benefits.

For employers, this period is also about compliance. Following statewide PA/compliance guidelines helps avoid errors, penalties, and confusion. Open enrollment is an opportunity to strengthen employee engagement, demonstrate the company’s commitment to staff well-being, and improve […]

4 03, 2026

What HR Can Learn From 2025’s Year of Mass Re-Skilling

By |2026-02-05T10:54:14-05:00March 4th, 2026|Categories: HR, Workforce Reskilling, Workplace|

Employee reskilling

 

Workforce reskilling moved from theory to necessity in 2025. Companies faced rapid role shifts, AI adoption, and shrinking skill half-lives. Employees felt the pressure first. HR teams felt it next.

The year showed that workforce reskilling succeeds only when people trust the system behind it. Courses alone did not solve skill gaps. Access, clarity, and relevance mattered more.

Employee reskilling became a daily topic, not a long-term plan stored in slide decks.

Why Workforce Reskilling Accelerated […]