Employer Benefit Problems
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Are your Company Benefit Issues as unique as you thought?

Since 2001 HR Carolina has focused on small business unique benefit needs. According to the U.S. Census Bureau over 98% of U.S. employees are employed by small businesses.

In 2008, many Employers / Business Owners terminated sponsored-benefit-plans because of the following:

·         Participation: Employees did not participate in adequate numbers to meet requirements for a Traditional Healthcare plan forcing insurance carriers to terminate the company sponsored group benefit plan.

·         Expense: Employers could not afford to contribute the minimum matching premium payments.

·         Administration: Government and Insurance Carrier paperwork requirements could not be met by the small business owners and their limited staff. This includes employers fined by not adhering to ERISA requirements.

·         Inequitable: Tax laws force many owners of Sole Proprietor Businesses, “S” & LLC Corporations to pay more than 28% extra for family coverage than their employees by eliminating tax advantages on traditional benefits.

·         Value:  Employees complained they could by personal plans cheaper than the company’s group plan; which requires healthy employees to subsidize unhealthy employee’s higher premiums.

Younger & healthier employees are personally paying thousands of dollars each year more to assist older unhealthy employees.

Younger & healthier employees pay more to allow lower average company benefit premiums for others. (Ask for Options)

U.S. Company with employees by Size
Ask for Costs of Defined Benefit Group Premiums and Defined Contribution Plan Average Employer Contributions toward Benefits
  Find Solutions to benefit solutions in Virgina, North Carolina, South Carolina and Georgia at 877-FullHR-1. 877-385-5471 Ext 77