Charlie Hopgood

"Made for Main Street, Not Wall Street" is easy to put on a website. It's a different thing to actually live it every day — with clients ranging from a 30-person shop to a 150-person company, all needing something slightly different from us. We didn't write that line to sound good in a headline. We wrote it because it's the actual standard we hold ourselves to, and a standard only means something if you can point to what it looks like in practice. So here's what "Main Street, not Wall Street"...

As a business grows past 30 employees, part-time and seasonal staff become harder to treat as an afterthought — but the benefits rules around them are genuinely confusing, and getting them wrong creates real exposure. Here's what actually applies, and how employers actually track it in practice. Full-Time Status Isn't About Your Job Title, It's About Hours Under the ACA, "full-time" for benefits eligibility purposes generally means averaging 30+ hours a week (or 130+ hours a month) —...

Most employees can tell you their deductible. Far fewer can tell you their coinsurance — and that gap causes more confusion, and more surprise bills, than almost anything else in a benefits plan. In this article, we'll walk through what each term actually means, where people get tripped up, and the two numbers most employees never learn until they're staring at an unexpectedly large bill. What Your Deductible Actually Does Your deductible is the amount you pay out of pocket before your plan...