Employee Benefits

Get the Best Employee Benefits for Your Budget

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Offering employee benefits like group health insurance, vision, dental, and more are key ways to attract high-quality candidates and retain reliable employees. However, employee benefits aren’t cheap, and many companies—especially small businesses—struggle to find budget-friendly options that still offer the coverage, network size, and care options that their employees need. 

At Schroeder Insurance, we do the legwork for you and explore the benefits marketplace to find the best options for your budget. Then, we present them to you so that you can find the right solution for your company.

Our Process for Customized Benefit Solutions

Finding the right solution for your company’s employee benefit needs requires a thorough evaluation of your company’s goals and priorities and a great deal of market research and evaluation. The team at Schroeder Insurance will put in the time and effort needed to find the customized benefit solution that best fits your business by following our 7-step process:

  1. Fact Finding - We gather the information we need about your business so we can appropriately advise and consult with you about your insurance needs. During this step, you’ll complete a questionnaire and provide necessary documents so that we can get a holistic view of your benefits needs.
  2. Pre-Quote Analysis - We’ll thoroughly analyze your current benefits, your needs, and where that current plan is falling short of those needs. Through this thorough analysis, we can uncover details that will help us determine what type of plan options to recommend for you.
  3. Electronic Health Statements - Our advanced technology and state-of-the-art applications make it easy for your employees to complete health statements online. These are then automatically loaded into carrier forms, so we can find the best health coverage for your employees’ overall wellbeing.
  4. Application Submission - We’ll submit employee applications to carriers on your behalf to get pricing on plans that best fit your needs as an employer and your employee's health needs. It may take up to 14 business days after submission to receive responses from carriers.
  5. Post-Quote Analysis - We’ll break down the quotes from carriers and provide easy-to-understand comparisons to help you make important decisions regarding your benefits packages.
  6. Enrollment - Once you’ve selected your benefit plan, we’ll submit all necessary paperwork to enroll you.
  7. Ongoing Service - We don’t walk away once you’re enrolled. Our team continues to support you by helping with claims, answering questions, and assisting in managing your benefits plan.

Our team is committed to providing you with world-class customer service and the customized support that you and your employees deserve. Contact Schroeder Insurance today to schedule a consultation and get started with finding the right benefits plan for your company.

<span style="font-weight: 400;" data-mce-style="font-weight: 400;">FAQs about Employee Benefits</span>

FAQs about Employee Benefits

Providing employee benefits takes careful balance between your company’s budgetary needs and the level of care you want to provide to your employees. Achieving that balance can be difficult, but is made easier by a more thorough understanding of your options. Keep reading to get answers to frequently asked questions about employee benefits. If you still have questions, contact us to speak to one of our advisors.

Do I need to offer employee benefits?

Technically, no law requires employers to offer benefits to their employees. However, the Affordable Care Act does impose penalties on employers with 50 or more full-time employees who do not provide health insurance to at least 95% of their workers. If you have at least 50 employees, it is often more affordable to provide the benefits than to pay the annual fee to the government.

Even if you have fewer than 50 employees, providing employee benefits can help you be a more attractive option to potential workers. In today’s job market, it’s generally expected that an employer will at least offer some form of group health insurance, and offering more benefits in addition to this can help you to stand out to top candidates.

What kinds of employee benefits packages are available? 

There are a variety of benefits packages available on the marketplace, and sifting through them can be quite time-consuming. That’s why we do most of the legwork for you, after we gain an understanding of your needs and priorities. Types of employee benefits you may consider offering include:

  • Employee healthcare insurance
  • Vision and dental insurance
  • 401k (potentially with a percentage match)
  • Life insurance
  • Disability insurance

When you work with one of our advisors, we’ll search the marketplace for the right kinds of employee benefits packages for your business and your employees’ needs.

How much do employee benefits cost? 

The cost of benefits will vary depending on what you decide to offer to your employees. However, you can rest assured that we will have your company’s budget as a top priority while we search the benefits marketplace. We strive to find customized solutions that will most benefit your workers while still staying within your budget.

Who handles enrollment for my employee benefits? 

When you work with Schroeder Insurance, we handle the paperwork and enrollment for you, making it simple, easy, and worry-free to set up your benefits plan. If your employees have questions about enrollment, we can also help advise them during the enrollment process.

Find the Benefits Your Employees Deserve

Employee benefits help to ensure that your employees are cared for and that they can have a little extra peace of mind in their future. By offering life insurance, health insurance, and other forms of coverage, you can show your workers that you care about their overall well-being.

Contact Schroeder Insurance today to speak with one of our benefits advisors. We’ll work with you to better understand your company’s needs so we can find the right plan for your business and for your employees.

Our Approach to Employee Benefits Is Easy

Our Approach to Employee Benefits Is Easy

Provide the highest quality employee benefits at the lowest price possible — all while providing the most seamless client experience there is.

Advanced Technology

We utilize state of the art technology and applications to make our processes quick and intuitive

Superior Service

We have a trained experienced team that responds quickly to our clients needs

Market Access

We have access to the top plans and carriers in the market, ensuring our clients have the best plans possible for their group

Clients Choose Us!

For nearly 60 years, Schroeder Insurance has been committed to building long-term relationships, We provide broad insurance protection to our clients, along with prudent advice, exceptional customer service, and attentive, neighborly care in times of crisis.

Our Step-By-Step Process

1. Fact Finding

  • We gather information needed to be a true consultative broker.
  • You complete a questionnaire and provide necessary documents.
  • It is important that we understand your needs and current benefits holistically.

2. Pre-Quote Analysis

  • There is a wide variety of options when it comes to benefits. How we approach your benefits package depends on many different factors.
  • Doing a thorough analysis of your current needs and situation will uncover details that dictate what type of plan options we recommend.

3. Electronic Health Statements

  • Our technology enables your employees to complete health statements online in an efficient user-friendly system.
  • Completed health statements are loaded into carrier forms automatically.

4. Applications Submitted to Carriers

  • We submit employee applications to carriers for pricing on plans that fit your needs as an
  • Once applications are submitted, it may take up to 14 business days to receive responses
    from carriers with underwritten pricing.

5. Post-Quote Analysis

  • We breakdown quotes from carriers and create comparisons that make it easy for you, the employer, to make important decisions about your benefits package.

6. Enrollment

  • We submit all necessary paperwork to enroll you in the plan(s) of your choice.

7. Ongoing Service

  • Our experienced team is right there with you after enrollment to answer questions, help with claims, and help make managing your benefits simple. 

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