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