Total Benefits
Enterprise-Level Benefits at SMB Pricing
Total Benefits gives your business access to Fortune 500-quality benefits at competitive group rates. Attract and retain top talent with comprehensive coverage that employees actually value.
What makes it different?
Unlike standalone benefits shopping, Total Benefits leverages group purchasing power to secure rates typically reserved for large employers. One platform manages enrollment, changes, and compliance, with dedicated support throughout.
Understanding Total Benefits
Ideal For
Businesses with 5+ employees who want to offer competitive benefits without the complexity of managing multiple carriers. Particularly effective for companies in competitive hiring markets where benefits are a key differentiator. Works seamlessly with our Payroll, HR, and Workers' Comp solutions.
Employees Value Benefits
Avg Premium Savings
Carrier Partners
Platform for Everything
Employer Benefits
- ✓Group Purchasing Power
Access rates typically reserved for large employers
- ✓Simplified Administration
One platform for enrollment, changes, and reporting
- ✓Talent Attraction
Compete with larger employers for top talent
- ✓Compliance Support
ACA reporting and compliance handled automatically
- ✓Reduced Turnover
Better benefits = better retention and lower replacement costs
Employee Benefits
- ✓Quality Coverage
Access to top-tier medical, dental, and vision plans
- ✓Plan Choice
Multiple options to fit different needs and budgets
- ✓Easy Enrollment
Online self-service portal and mobile access
- ✓Comprehensive Support
Dedicated benefits team to answer questions
Small Business vs. Total Benefits
Small Business Direct
(Shopping on your own)
- •Limited carrier options based on group size
- •Higher premiums due to smaller risk pool
- •Complex administration across multiple vendors
- •ACA compliance burden on employer
Total Benefits
(Group purchasing power)
- ✓50+ carrier partners with comprehensive options
- ✓20-30% savings through group rates
- ✓One platform for all benefits administration
- ✓ACA compliance handled automatically
"78% of employees say benefits influence their job decisions."
Comprehensive Benefits Package
Medical Insurance
- ✓Multiple plan options (PPO, HMO, HDHP)
- ✓National carrier networks
- ✓Telemedicine included
- ✓Prescription drug coverage
Dental & Vision
- ✓Preventive care at 100%
- ✓Basic and major services
- ✓Annual eye exams
- ✓Frames, lenses, contacts
401(k) Retirement
- ✓Multiple investment options
- ✓Employer match available
- ✓Automatic enrollment
- ✓Plan administration included
Life & AD&D
- ✓Basic life coverage
- ✓Supplemental options
- ✓AD&D coverage
- ✓Dependent life available
Disability
- ✓Short-term disability
- ✓Long-term disability
- ✓Income protection
- ✓Rehabilitation support
Additional Benefits
- ✓FSA / HSA accounts
- ✓Commuter benefits
- ✓Employee Assistance (EAP)
- ✓Dependent Care FSA
Frequently Asked Questions
How do you get better rates than we can on our own?
By pooling together multiple employers, we create a larger risk pool that carriers price more favorably. This is the same approach large corporations use to get better rates. We simply extend it to small and mid-sized businesses.
Can we keep our current carriers?
Often yes. We work with 50+ carrier partners. During our benefits audit, we'll review your current plans and see if we can maintain carrier relationships while potentially improving rates and administration.
How does enrollment work?
Employees use our online self-service portal to review options and make selections. We provide education materials and live support during open enrollment to ensure employees understand their choices.
What about ACA compliance?
We handle all ACA reporting requirements including 1094-C and 1095-C forms. You don't need to worry about tracking affordability, waiting periods, or filing deadlines. It's all managed for you.
Free Resources
Download our guides to evaluate your benefits strategy.
Getting Started
Benefits audit
Plan design
Carrier selection
Employee education
Open enrollment