PrimeBond Insurance · Employers
Benefits For A Small Team
A benefits plan is a hiring tool, a retention tool, and a budget line — usually in that order. We model the funding options against your actual census, then run enrollment as a project rather than an email.
01 — Programs
The options on the table
Most brokers present one. These are the seven worth comparing for a group of two to fifty.
Group Health
Traditional fully insured coverage with carrier networks your employees already recognize.
SHOP
Small Business Health Options Program plans, with tax credit eligibility reviewed up front.
Level-Funded
Predictable monthly cost, claims visibility, and surplus potential for healthier groups.
ICHRA
Reimburse employees tax-free for individual coverage they choose, with contributions set by class.
QSEHRA
A small-employer reimbursement arrangement for teams without a group plan.
Ancillary Benefits
Dental, vision, life, disability, and supplemental lines layered onto the core plan.
Renewal Consulting
Renewal modeled in advance so the increase is a decision, not a surprise.
02 — How we work with employers
Renewal handled before the letter arrives
Census review, funding comparison, contribution modeling, compliance calendar, open enrollment, and a mid-year check — scheduled, not improvised.
Census and claims review
We start with who is on the plan and how they use it, not with a quote sheet.
Funding comparison
Fully insured, level-funded, and reimbursement arrangements modeled side by side.
Contribution strategy
Employer and employee cost set deliberately, by class where it makes sense.
Open enrollment, run properly
Materials, meetings, and deadlines managed so nobody enrolls by default.
03 — Questions
Employer questions
Model your renewal early
Send your census and current plan documents. We will come back with the funding comparison before the renewal letter forces a decision.