Look, I run a small shop, and what really helped was joining a local trade association—they offer group health plans with way better rates than going solo. Also, check out an HRA; it’s a lifesaver for reimbursing employees tax-free. Saved us a ton!

https://varimail.com/articles/how-to-find-a-good-benefits-consultant-not-just-a-broker/

Look, I run a small shop, and what really helped was joining a local trade association—they offer group health plans with way better rates than going solo. Also, check out an HRA; it’s a lifesaver for reimbursing employees tax-free