COBRA administration is one of those services that runs smoothly until it doesn't — most employers handle the routine cases fine, but three specific mistakes come up often enough, and carry enough real financial exposure, that they're worth calling out on their own. Mistake 1: Miscalculating the Premium The standard rule is that a COBRA premium can't exceed 102% of what the plan actually costs for a similarly-situated active employee — the extra 2% covers administrative cost.

COBRA administration isn't one deadline. Here's the exact notice timeline small business employers need to know — 90-day general notice, 30-day employer notice, 14-day election notice, and what the IRS charges when one is missed.

Open enrollment season exposes the same problems every year for small employers around Oklahoma City and Norman. If any of these sound familiar, it's worth fixing before your next renewal — not during it. Mistake #1: Starting the Renewal Conversation Too Late Waiting until 30 days before renewal to review options leaves no time to shop the market, negotiate with your current carrier, or make a plan change without scrambling. Fix: Your broker should be reviewing your renewal 9

For many small business owners, the Affordable Care Act (ACA) still feels like a puzzle. Since it passed, the rules have evolved, the penalties have changed, and the exceptions have multiplied. If you've ever wondered whether your business is actually compliant — or you've simply been hoping for the best — this guide is for you. The good news is that most small businesses face fewer mandatory requirements than large employers. But "fewer" doesn't mean "none." And the areas wh

The Affordable Care Act has been part of the employer benefits landscape for over a decade — but for many small business owners, its requirements still feel murky. What are you actually required to do? What happens if you get it wrong? And does any of this even apply to a business your size? These are fair questions. The answers depend on how many employees you have, whether you offer health insurance, and how your workforce is structured. This guide breaks it down in plain l