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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 Data Analytics Is Changing Employee Benefits Strategy for Growing Businesses

Healthcare data analytics charts used to evaluate employee benefits strategy

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, employee benefits decisions were often made using the same basic information: last year’s renewal rate, the carrier’s proposal, and what similar employers appeared to be offering. That approach […]

Employer Health Insurance Contributions: How Much Should Bucks County Employers Pay?

Benefits consultant and employer reviewing health insurance contribution costs and benefits budget.

There is no single employer health insurance contribution that works for every Bucks County business. Start by making employee-only coverage reasonably affordable, then decide how much to contribute toward spouse and family coverage based on budget, employee wages, enrollment, and hiring needs. For 2026 plan years, applicable large employers should also review the 9.96% ACA […]

Are PBM Prescription Drug Costs Rising for Bucks County Employers?

Prescription medication, pharmacy cost reports, calculator, and laptop on an office desk.

If PBM prescription drug costs are rising, start by comparing pharmacy spending with prescription use. If employees are filling about the same number of prescriptions but the plan is paying more, review specialty drug costs, rebates, PBM fees, spread pricing, and the plan’s net pharmacy cost. A large increase without a similar increase in prescription […]

Does My Pennsylvania Company Need an ERISA Wrap Document and Summary Plan Description?

Benefits consultant reviewing ERISA plan documents with an employer in an office.

If your Pennsylvania company offers employee benefits covered by ERISA, you generally need proper written plan documentation and a Summary Plan Description, or SPD. A document specifically called an ERISA wrap document is not required by name, but employers often use one when insurance carrier materials do not contain all the employer-specific information needed for […]

Medicare Part D Creditable Coverage Notice: What Pennsylvania Employers Need to Know

HR professional reviewing Medicare Part D coverage documents in a Pennsylvania office.

Quick Answer: What Should Pennsylvania Employers Know About the Medicare Part D Notice? If your Pennsylvania business offers prescription drug benefits, you generally need to tell Medicare-eligible individuals covered by the plan whether the prescription coverage is creditable or non-creditable. The annual notice must be provided before October 15, and employers or other plan sponsors […]

Got an MLR Rebate Check? What Pennsylvania Employers Should Do

Employer reviewing an MLR rebate check with calculator and Pennsylvania documents.

What Should Pennsylvania Employers Do First With an MLR Rebate? If your Pennsylvania business receives an MLR rebate check, do not treat it as extra company money right away. First, determine which health plan produced the rebate, who held the insurance policy, and how the premiums were paid. If employees contributed toward coverage, part of […]