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Benefits 101

  • ACA affordability percentage 2026 — the 9.96% rule for employers

    The IRS Moved Your “Affordable” Number Again. Most Companies Won’t Notice Until the Penalty Letter

  • Open enrollment communication that employees actually read

    You Love Benefits. Your Employees Just Need Them. That’s Why Your Open Enrollment Emails Don’t Work.

  • Applicable large employer requirements 2026 — small business crossing 50 employees

    Your Company Just Hit 50 Employees. The IRS Started Counting Before You Noticed.

  • HSA vs FSA vs HRA — plain-English 2026 guide for benefits admins

    HSA vs FSA vs HRA in Plain English. And the One Most Employees Are Quietly Misusing.

  • First time open enrollment HR guide — brand new admin walking into OE

    Nobody Told You What Open Enrollment Actually Is. So Let’s Fix That.

  • Mid-year benefits audit hero graphic with category pill and bold June checkpoint title

    OE Closes in March. The Audit Happens in June

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