This infographic explains the importance of wellness programs with the help of stats taken from different sources.

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.
This infographic explains the importance of wellness programs with the help of stats taken from different sources.


#ai #hr #technology #futureofwork #employeebenefits Open enrollment has always been one of the busiest and often most frustrating times of the year for employees and HR teams. Employees are expected to make important healthcare and financial decisions in a short window of time, yet many still feel confused about their options. HR departments, meanwhile, spend weeks answering questions, sending reminders, and helping employees navigate the process. AI is starting to change that. More companies are using AI-powered tools to

Managing health coverage is one of the biggest expenses for businesses. Many NJ employers offering health insurance are looking for ways to control costs without reducing quality. Smart planning can help lower expenses while still supporting employees. Simple changes can make a strong impact over time. Review Current Plans Regularly Many businesses stay with the same plan for years. Over time, this can lead to higher costs and outdated coverage. Regular reviews help identify unnecessary expenses. Adjusting plans ensures they

Employee health and well-being directly affect workforce productivity. Employee wellness programs provide structured ways to support physical, mental, and emotional health. Organizations that implement these programs often see improved engagement, lower absenteeism, and stronger overall performance. Supporting employees through wellness initiatives also signals that the company values more than output. This builds trust and loyalty while creating measurable efficiency improvements. Reducing Absenteeism Sick days and burnout affect workflow and deadlines. Wellness initiatives encourage preventive care, healthier lifestyles, and stress management.
We help employers with group health insurance, compliance, cost control strategies, and employee benefits planning in NJ, MD, NY, DE, PA and the Philadelphia region.
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An employer healthcare stipend is a fixed, often taxable, amount of money provided to employees to help cover costs for individual health insurance premiums, deductibles, or copays. Unlike traditional group plans, it offers flexibility by allowing employees to select their own coverage, often used by small businesses.
The ICHRA is a low maintenance, tax-free reimbursement account that you can use as a health plan. You simply reimburse your employees tax-free for their healthcare. An ICHRA satisfies the ACA requirement and scales with your team, allowing you to offer robust attractive health benefits.
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California – the penalty for Californians who go without health insurance may be 2.5 percent of household income or $696 per adult (this number will rise yearly with inflation), whichever is larger.
Massachusetts – the tax penalty amount varies depending on your income, age and family size, but note the maximum penalty can be no more than half the price of the lowest premium plan available on the Massachusetts healthcare marketplace. For more information on Massachusetts health insurance mandates, click here.
New Jersey – the tax penalty is $695 for adults and $347.50 for each child, with a maximum family penalty of 2.5 percent of annual income. The penalty is capped at three times the adult penalty ($2,085), or the state average cost for a bronze-level plan, whichever is greater. For more information on New Jersey health insurance mandates, click here.
Vermont – Vermont has passed legislation that requires residents to have qualifying health insurance in 2020, but the penalty for non-compliance has not yet been established.
Washington, D.C. – the tax penalty is $695 for adults and $347.50 for each child, with a maximum family penalty of 2.5 percent of income, or three times the adult penalty ($2,085), whichever is greater. For more information on Washington, D.C. health insurance mandates, click here.
Utilizing the latest technology, we offer clients a complete HRIS System that streamlines the recruiting process and includes the following features:
We’ll also provide background checks, assessment tests, and act as a strong intermediary between our client and the candidate to negotiate and facilitate a successful hire.
A contingency search agreement allows us to source and present candidates for hire, however no fee is due unless you hire our candidate(s) presented.
The major advantages of a contingency search include:
Allows our clients a no-risk opportunity to test our services for less critical hires.
A retained search agreement sets forth expectations, responsibilities and outcomes between the client and JS Benefits. This exclusive arrangement allows us to devote a majority of our time and resources to finding the candidate you need, even those rare, hard-to-find candidates, when you need them.
The major advantages of a retained search include:
Guaranteed timeline for delivery of viable candidates that fit all the requirements of the position.