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The ACA requires applicable large employers (ALEs) to offer affordable, minimum-value health coverage to their full-time employees (and dependents) or potentially pay a penalty to the IRS. This employer mandate is also known as the “pay-or-play” rules. 

Download this checklist which outlines key steps for employers to comply with the pay-or-play rules for 2025.

One of the best ways to discover employees’ benefits desires is by asking them. 

Employers, share this survey with employees in order to obtain valuable feedback about employee benefit programs. The results will help ensure your provided benefits live up to not only your goals but also meet the needs of your employees. 

We know that open enrollment can be a stressful time for you and your employees but, it doesn’t have to be. If planned for in advance, open enrollment can be a positive and rewarding experience. 

Effective communication is key to having a successful open enrollment season — especially if you’re holding virtual meetings. 

Click HERE to download our Annual Open Enrollment Checklist.

Businesses across the country are facing employee retention challenges, but your business does not have to be one of them. 

Implementing proactive retention strategies is key to maintaining your workforce. 

Answer the questions on this Employee Retention Scorecard to determine if your organization has a high turnover risk.

Sixty percent of companies don't have a long-term strategy for their internal communication. Regardless of how large or small your organization is, it’s critical to have a long-term plan for employee communication. 

Use this Employee Communication Strategy Checklist as a suggested step-by-step process of creating and managing a formal employee communication strategy. 

Research shows that nearly 80% of Americans consider their jobs stressful.

Managing stress is an important step to overall good health. Educate employees and help them lower their stress levels with these Workplace Wellness ideas. 

Pet insurance has been a trendy benefit offering in recent years and employers are proactively expanding their voluntary benefits to address these new trends and to meet the needs of a diverse workforce, especially those affected by the COVID-19 pandemic. 

Our Benefit Insights article, available for download, lists some reasons to offer pet insurance to your employees and also provides questions to consider asking potential insurance carriers, which may help you select the right provider. 

Cybercriminals can easily target unprotected devices, such as tablets, laptops, and smartphones, in a data breach.

To ensure your information isn’t accessed and exploited by cybercriminals, consider these "Tips for Securing Your Personal Devices".

Many employers may worry about having too strict of a social media policy for their employees while some may not have a policy in place at all.

If done correctly, employees feel more comfortable making their posts when you have a social media policy that clearly defines your business’s values and expected tone.

We have created a guideline of information regarding Social Media Policies in the Workplace, available for download, that we hope you find beneficial.

 Medical Loss Ratio (MLR) is one of the rules the Affordable Care Act came up with to make sure health insurance carriers are using member premium dollars to pay for actual care and claims and other tools for its members. 

For individual and small group plans, insurers must spend at least 80% of premium dollars on medical care and health care quality improvements. Large group plans must spend at least 85%. If the medical plans do not spend these threshold amounts, the insurance carriers must reimburse the affected members. 

Many MLR Calculators have been created to help assist you in making the determination of how much money needs to be used for each participant/employee. Click the button below to Download one.