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.

Overcoming the challenge of hiring talent on low wages

Any HR team faced with hiring talented employees on minimum wages knows that it’s not really an easy task. You’re asking someone to invest their personal time on a long term basis for a reward that doesn’t really amount to anything significant. Most low wage jobs attract talent for a short duration of time, something that gives workers a brief respite from their financial problems until a better opportunity comes along. Unless they know your company offers lucrative benefits – and potentially higher wages in the long run, they will simply leave.

What motivation can you provide to these employees to continue working for you? It is important that you offset some of the negative connotations attached to the term ‘low wage job’. Here are some ways you can do so:

1) Providing competitive health care insurance

Health is a very important personal matter to us. While a full suite of health benefits can be extremely difficult for you to provide, it is a powerful means of providing motivation to your employee to continue working for your firm. If providing a comprehensive health insurance takes too much of a toll on your finances, try at least covering the basics such as dental insurance, preventive visits to the doctor and emergency health services.

2) Increased PTO

It’s always a good plan to give out paid time off to your workers. This serves to provide motivation on all wage levels – high or low – giving them a breather which they can look forward to every year.

3) Brief them about the job responsibilities

Most people working on minimum wage are usually juggling two to three jobs at the same time. Placing too many responsibilities on them can quickly wave their resolve to work for your company and they might just end up quitting. It is good practice to ask them if they have any other jobs or responsibilities that could wear them out. You should then properly explain to them their working hours, the full extent of their job responsibilities so they can weigh this into their schedules and neither of you would have anything to complain about in the future.

4) Advancement opportunities

Unhappy employees can be encouraged if you show them possible pathways for their career’s advancement. Explain that persevering through the initial low wage stage of their job will entitle them to a promotion with a higher salary and increased perks. This is good for your business too since you’re converting untrained, unskilled workers to professionals who have been tried and tested in real world situations i.e. their previous job ranking with your company.

5) Flexible work arrangement

Most low paid employees tend to be students and mothers caring for younger children. Try to provide proper scheduling times so workers can manage their responsibilities without them conflicting with their personal lives. Students can complete their degrees, mothers can take care of their babies – and you get loyal, more qualified staff.

6) Empathize with them

Showing empathy and compassion to your employee while also exercising a bit of humbleness can actually encourage them to continue working for you. Let them know that you will, when the time comes, increase their wages that will suit their (then) increased repertoire of skills.

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