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The Handbook of Employee Benefits: Health and Group Benefits 7/E by Jerry Rosenbloom

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CHAPTER 32Employee Benefit Plans for Small Companies

Ronald I. Woodmansee

Designing and implementing competitive employee benefit plans for small companies1 can be challenging. While many similarities exist between benefit programs for large and small companies, there also are many differences, including a smaller and sometimes more regional market from which to choose potential vendors. In the case of insured plans, once a company grows beyond 10 employees, insurance carriers and vendors that offer certain pricing breakpoints and increased opportunities for plan design and product flexibility become available to them.

The first stage of the planning process for small-company benefits includes clearly defined goals, desires, and, of course, ...

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