# Employee Benefits Packages for Businesses | Supersure

> Supersure helps businesses design and manage employee benefits packages, with expert guidance and full administration support.

Canonical: https://www.supersure.com/solutions/employee-benefits

Offer competitive benefits without becoming a benefits expert. From health insurance to retirement plans, Supersure helps businesses design, evaluate and self-administer employee benefits while handling operational questions and providing administrative support for compliance-related tasks.

Many businesses find employee benefits to be complex, time-consuming, and stressful to manage. Costs keep rising, regulations keep changing, and employees expect more, often without a dedicated HR team to manage it all.

Supersure was built to take the confusion and burden out of benefits, so you can offer a competitive program without becoming a benefits expert. From plan evaluation and enrollment to ongoing benefits operations and compliance-related administrative support, our tools are designed to reduce complexity for employers and create a better experience for employees.

### Manage Health & Benefits

Design and manage a benefits program that fits your team and your budget. Supersure helps employers evaluate plan options, funding strategies, and benefit combinations, without guesswork or jargon.

Key Capabilities:

- Group health plan design and funding strategy guidance

- Access to medical, dental, vision, life, and disability plans

- Side-by-side comparisons of plan options

- Plain English explanations of what plans entail – without fine print or jargon

- Centralized view of all benefits in one place

### Enrollment & Employee Self-Service

Open enrollment doesn’t have to be a fire drill. Supersure provides digital enrollment tools and an employee self-service app so your team can review options, enroll confidently, and access benefits information year-round.

Key Capabilities:

- Easy, guided enrollment on our employee app

- Employee self-service portal for coverage details and ID cards

- Easy updates for life events and employee changes

- Plain-language materials employees can actually understand

- Fewer benefits questions landing on your desk

### Administration & Compliance

Benefits self-administration comes with real regulatory risk and ongoing work. Supersure handles the details, helping you stay organized, on top of deadlines, and compliant so you can focus on your people instead of paperwork.

Key Capabilities:

- Benefits invoice reconciliation to catch errors

- ACA reporting support (where applicable), COBRA and/or state continuation coordination, ERISA, and Section 125 support*

- Centralized document storage and reporting

- Proactive support as your business grows

*Access to 50+ carriers*

Core benefits are expected by most employees and offered by most businesses. The right mix depends on factors including team size, budget, and goals, and how you fund them matters just as much as the benefits themselves. Supersure helps you understand your options and how to build a strong foundation without unnecessary complexity.

### Group Health Insurance

Medical coverage for employees and their families, with options ranging from fully insured to self-funding options designed to create predictable payments that meet your budget. We help you evaluate which funding strategy fits your business, instead of defaulting to the status quo.

### Dental Insurance

Coverage for preventive care and procedures that employees consistently value. Often one of the most-used benefits in any package.

### Vision Insurance

A low-cost benefit that supports routine eye care and corrective lenses. This is especially appreciated by employees with families.

### Basic Life Insurance

Employer-paid life insurance (typically offered as a multiple of salary) providing foundational financial protection for employees’ families.

### Disability Insurance

Income protection when employees can’t work due to illness or injury, including both short-term and long-term coverage options.

### Health Savings Accounts (HSA)

Tax-advantaged accounts paired with high-deductible health plans that allows employees to save pre-tax dollars for healthcare expenses with funds that roll over year to year.

Competitive benefits go beyond the basics, helping you attract talent, support employee wellbeing, and differentiate your business. These options can help enhance core benefits while balancing cost control and employee value. Supersure helps you choose the right additions based on what matters most to your employees.

### Flexible Spending Accounts (FSA)

Pre-tax accounts for healthcare or dependent care expenses, helping employees budget for predictable costs while reducing taxable income.

### Voluntary Benefits

Employee-paid coverages like accident, critical illness, and hospital indemnity insurance. These can expand protection options, giving employees choices while helping employers manage benefit costs.

### Employee Assistance Programs (EAP)

An affordable way to support employee wellbeing, EAP provides confidential support services for mental health, financial guidance, and personal challenges.

### Wellness Programs

Encourages healthier behaviors by utilizing initiatives such as fitness incentives and preventative care support, helping manage long-term healthcare costs.

### Mental Health Benefits

Expanded access to counseling, therapy platforms, and mental health resources beyond traditional EAP offerings. An increasingly important part of modern benefits programs.

### Life & Disability Buy-Up Options

Allows employees to purchase additional protection beyond employer-paid coverage, giving them flexibility to tailor benefits to their personal needs.

As your team grows, your benefits needs, and your options, change. Supersure helps you understand what’s appropriate at each stage, so you can offer competitive benefits today while preparing for what’s next.

- **2-10 Employees**
- **11-24 Employees**
- **25–49 Employees**
- **50–100 Employees**
- **101–150 Employees**
- **151+ Employees**

Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about employee benefits.

### Do I have to offer employee benefits?

It depends on your state and size. Businesses with fewer than 50 full-time equivalent employees (FTEs) are generally not required to offer health insurance under the ACA, but many choose to in order to attract and retain talent. Once you reach 50+ FTEs, you may be considered an Applicable Large Employer (ALE) and may have ACA employer mandate and reporting obligations; penalties can apply in certain situations if coverage is not offered or does not meet affordability/minimum value standards. Some states have additional requirements (for example, Hawaii’s Prepaid Health Care law).

### What’s the difference between fully insured and level-funded health plans?

With fully insured plans, you pay a fixed premium and the carrier assumes all the risk. Level-funded plans offer more transparency and potential savings by tying costs more closely to actual claims, while still providing predictable monthly payments. Level-funded isn’t right for every business but it’s worth evaluating as you grow. Supersure explains the trade-offs clearly so you can make an informed choice.

### What does open enrollment look like with Supersure?

Open enrollment is fully digital and guided for both employers and employees. We handle planning, communication, enrollment tools, and support, so employees can make selections confidently and you avoid a manual, last-minute scramble.

### How do you help with compliance like ACA, COBRA, and ERISA?

Supersure provides tools and administrative support to help employers track eligibility, manage notices, and prepare documentation. Employers remain responsible for compliance with applicable laws.

### Can I keep my current benefits and still work with Supersure?

Yes. Many businesses start by reviewing their existing benefits to identify potential gaps, inefficiencies, or missed opportunities. You can make changes gradually and there’s no requirement to switch everything at once. Supersure works at your pace.

### How is Supersure different from a traditional benefits broker or a PEO?

Traditional brokers often focus on annual renewals, while PEOs require co-employment and bundled services. Supersure gives you a middle ground: modern technology, proactive guidance, and full control over your benefits, without lock-in or complexity. We stay involved year-round and help your benefits strategy evolve as your business grows – think of us as your operation and compliance support department.

Get clarity on your benefits options, costs, and next steps that are tailored to your business size and goals. No pressure, no jargon, just clear guidance and administrative support.

- Built for businesses with 2-250 employees
- Guidance from a licensed agent
- No obligation required