Benefits Collective
Articles & Insights
Strategy and analysis for employers navigating health insurance, benefits costs, and HR decisions.
23 articles
The Employer's No-BS Guide to Choosing an HCM and Payroll Platform in 2026
You're Probably Only Using 40% of Your HCM System — Here's How to Fix That
The OBBBA Payroll Changes Are Here: What Every Employer Needs to Get Right in 2026
The Hidden Tax on Your Business: What Disconnected Payroll, HR, and Benefits Systems Actually Cost
Switching HCM Providers Without Blowing Up Your Payroll: A Step-by-Step Playbook
How to Prepare for Your Benefits Renewal Negotiation
Most employers accept their renewal increase without pushing back. Here is how to prepare for a real negotiation and potentially save your company thousands.
Open Enrollment Strategy for Employers: How to Run a Smarter Process in 2026
Open enrollment does not have to be a stressful scramble. Here is how to turn it into a strategic advantage that reduces costs and improves employee satisfaction.
Benefits Strategy for Growing Companies: What to Prioritize as You Scale
As your company grows from 25 to 100 to 250 employees, your benefits strategy needs to evolve with it. Here is what to prioritize at each stage.
What to Do When You Get a Double-Digit Renewal Increase
A double-digit renewal increase does not mean you are stuck. Here is a step-by-step playbook for employers who refuse to just accept it.
7 Benefits Cost Reduction Strategies Most Employers Overlook
Most employers focus on switching carriers when they want to reduce benefits costs. But some of the biggest savings come from strategies they have never considered.
Employee Benefits Benchmarking: How to Know If Your Package Is Competitive
Most employers have no idea how their benefits package compares to the market. Benchmarking gives you the data to stop guessing and start making strategic decisions.
Why Health Insurance Renewals Keep Increasing
Many employers are seeing double-digit renewal increases year after year. Here is why it keeps happening and what you can do about it.
Pharmacy Benefit Costs: What Employers Can Actually Control
Pharmacy is the fastest-growing piece of employer healthcare spending. But most employers have no idea what they are actually paying or what they can do about it.
When Is It Time to Leave Your PEO?
PEOs offer real value for small businesses, but many companies outgrow them. Here are the signs that it may be time to move on — and what to do next.
Fully Insured vs Level Funded vs Self-Funded: What Employers Need to Know
Most employers default to fully insured health plans without realizing there are alternatives that can save money and give them more control. Here is what you need to know.
5 Signs It's Time to Change Your Benefits Broker
Your benefits broker should be a strategic partner, not just someone who delivers your renewal once a year. Here are five signs you may have the wrong one.
What Happens When Your Company Hits 50 Employees: A Benefits Compliance Guide
Crossing the 50-employee threshold triggers a wave of new compliance requirements that many growing companies are not prepared for. Here is what changes and what you need to do.
