JS Benefits Group · Employee Benefits & Cost Management
Your Benefits Broker Should Save You More Money 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.
25–30%
Average savings employers achieve with a better benefits strategy
$16K+
Avg. annual family healthcare cost — and rising 7–8% every year
50%+
Of employers overpay for benefits without realizing it
30+
Carriers Shopped at Every Renewal
The Cost Problem
Healthcare Costs Are Rising.
Fast.
Employers are bearing an increasingly heavy share of rising healthcare costs — and without an active strategy, you absorb every dollar of those increases at renewal.
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7–8%
Projected Healthcare Cost Increase in 2026
Employer-sponsored health costs are projected to rise 7–8% in 2026, according to industry surveys. Without active management, that increase gets passed directly to your budget — or your employees.
Source: Mercer National Survey of Employer-Sponsored Health Plans
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$16,035
Average Annual Cost of Family Coverage Per Employee
The average employer-sponsored family plan now costs over $16,000/year. Employers pay roughly 72% of that premium — meaning a 50-person company with family coverage may be spending $576,000+ annually in premiums alone.
Source: KFF Employer Health Benefits Survey 2024
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67%
of Employers Who Renew With Their Current Carrier Without Shopping
Most employers accept their renewal rate because shopping the market feels complicated. That inertia costs real money. Carriers count on it. We don’t let our clients accept a renewal without a full competitive analysis.
Source: SHRM Benefits Survey
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$2,900+
Per Employee in Annual ACA Penalties — If You're Not Compliant
ACA non-compliance doesn’t just cost money in penalties — it triggers IRS audits that consume HR bandwidth for months. A single compliance gap at 100 employees could mean $290,000 in penalties. Prevention is far cheaper.
Source: IRS ACA Employer Mandate · 2026 penalty rates
How We Deliver Savings
Six Ways JS Benefits Group
Reduces Your Benefits Spend
Our value isn’t limited to getting a lower renewal rate. We reduce costs across every dimension of your benefits program — design, compliance, utilization, and administration.
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Level-Funded Plan Design
15–30%
Typical savings vs. fully-insured plans
Level-funded plans give employers the cost advantages of self-insurance with the predictability of a fully-insured premium. Healthy groups keep unused claims reserves. We identify which employers are strong candidates and design plans that capture the maximum savings.
- Stop-loss protection caps catastrophic exposure
- Surplus refunded if claims come in under budget
- Access to actual claims data for smarter decisions
- Best for: Groups of 25–500 employees
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Carrier Market Analysis
5–18%
Average renewal savings when market is shopped
We shop 30+ carriers at every renewal — not just your incumbent. Our volume relationships and market intelligence let us negotiate rates that individual employers can’t access on their own. You see every option, with our recommendation.
- 30+ insurance carriers evaluated per renewal
- Side-by-side plan comparison with true total cost
- Incumbent leverage — we negotiate, not just quote
- Multi-year rate guarantee negotiation where available
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Benefits Plan Optimization
8–22%
Savings from plan design restructuring
Many employers are over-insured in areas employees don’t value, and under-insured where they do. We benchmark your plan against industry peers, identify cost-sharing opportunities, and redesign for maximum value at lower cost.
- Industry and peer benchmarking
- HDHP + HSA strategy for eligible groups
- Voluntary benefit layering to offset cost shifts
- Plan tiering to give employees meaningful choices
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ACA Compliance & Penalty Prevention
$2,900+
Per employee in penalties avoided
ACA penalties are expensive, avoidable, and often arrive years after the fact via IRS Letter 226J. We run affordability tests, audit your 1095-C filings, and make sure your coverage offers are structured to eliminate penalty exposure entirely.
- Annual affordability safe harbor analysis
- 1095-C filing review before submission
- Letter 226J response and appeals support
- FTE counting and measurement period tracking
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Utilization & Wellness Strategy
10–25%
Reduction in per-capita claims over 3 years
Claims drive premiums. We help employers implement data-driven wellness programs, point-of-care cost transparency tools, and chronic condition management programs that reduce claims at the source — improving employee health and your bottom line.
- Telemedicine and virtual care integration
- EAP (Employee Assistance Program) implementation
- Generic drug and formulary optimization
- Claims data analysis for self-insured groups
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HR & Admin Time Savings
40–60
Hours of HR time saved per year, per employer
Every hour your HR team spends managing benefits administration, answering coverage questions, chasing carriers, and managing open enrollment is an hour not spent on hiring, retention, and culture. We take those hours back.
- Dedicated account manager — one call, any issue
- Employee benefits hotline and advocacy service
- Open enrollment platform setup and management
- Carrier billing reconciliation and audit
Savings Estimator
What Could You
Save in Year One?
Enter your basic plan details below for a rough estimate of potential savings. This is a starting point — your actual analysis will be more comprehensive and specific to your group.
Fill in your plan details on the left and click Calculate to see your estimated savings potential.
Side-by-Side Comparison
Without JS Benefits Group
vs. With
Here’s what managing benefits looks like for most employers — and what it looks like when you have an expert team in your corner.
What You Get
Everything Included
At No Additional Cost
Our fee structure is transparent. We’re compensated by carriers — which means every service below is included in your engagement with us at no additional billing to your company.
Your plan compared to industry peers by size, sector, and geography — so you know exactly where you stand and where you can improve.
Included30+ carriers quoted, compared, and presented with our recommendation — every year, not just at your first renewal.
IncludedAnnual affordability testing, 1095-C filing support, FTE counting verification, and Letter 226J response assistance.
IncludedPlatform setup, employee communications, enrollment support, and carrier file transmission — all handled by your JSBG team.
IncludedOne point of contact for every HR and benefits question. Employees call us directly — not your HR team — for claims issues, coverage questions, and appeals.
IncludedCarrier invoices are reconciled monthly against your enrollment data. Overcharges — which are more common than you’d think — are identified and recovered.
IncludedAnnual HR compliance calendar, quarterly benefits updates, and access to our SHRM & HRCI-accredited webinar series — 50+ free webinars hosted to date.
IncludedQuarterly strategy sessions with Jennifer Schaefer or a senior advisor — connecting your benefits program to your retention, recruiting, and business goals.
IncludedClient Results
What Our Clients
Actually Save
Real outcomes from Mid-Atlantic employers who switched to JS Benefits Group. Details are representative of client results — specifics vary by group.
JS Benefits Group · Free Benefits Analysis
Find Out What You’re
Leaving on the Table.
A free benefits analysis from JS Benefits Group takes less than an hour and shows you exactly what your current plan is costing you — and what a better strategy would save. No pressure. No obligation. Just numbers.
Free for all employers · PA · NJ · DE · MD · NY · Response within one business day
