ForumsEmployee Benefits and Retirement Planning

Since you don't have an HR person to rake care of this for you, most of the people you will be dealing with are only interested in selling you a bill of goods.

You are going to have to start contacting insurers separately. Do not tell them you are shopping with other vendors. If they know you are shopping it will encourage them to cut the initial price and sneak in an increase the first 6 months. Stay away from larger companies like the Principal for financial 401K, they are not equipped to handle small businesses and their financial offerings are not competitive.

What other benefits are you looking at besides health insurance and 401K? If your employees want to manage their own retirement accounts, contact Scottrade, they have a small business program. If you do not want the hassle of managing benefit programs why not offer them 'X' dollars per month to use towards any benefits they purchase themselves?

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