Many small business owners signed up with their benefits broker years ago — maybe through a referral, maybe because they needed coverage fast and took the first option available. And for a while, things were fine. But at some point, something shifted. Renewals started arriving with little explanation. Employees started complaining that no one would answer their questions. Open enrollment felt like a scramble every single year. If any of that sounds familiar, it may not be a b

When most business owners think about employee benefits, they focus on insurance premiums. What often gets overlooked is the amount of time spent managing benefits behind the scenes. Adding employees, processing terminations, handling enrollment changes, answering questions, resolving carrier issues, and managing open enrollment all require significant administrative effort. Many companies handle these tasks internally because they assume it saves money. In reality, DIY benef