Employee Benefits
EMPLOYEE BENEFITS
Fortune 500-level health insurance, 401(k), dental, vision, and supplemental benefits — available to businesses of any size through KeyHR's group purchasing power.
The benefits gap between large and small employers has historically been one of the biggest competitive disadvantages facing small businesses. KeyHR eliminates that gap by pooling employees from hundreds of client companies into a single large group — giving every client access to the same insurance carriers, plan designs, and premium rates that Fortune 500 companies receive.
Medical Insurance Options
Florida Employee Benefits: Group Health, Dental, Vision, and 401(k) Plans
KeyHR offers multiple medical plan options from major national carriers, allowing each client to choose the plan design that best fits their workforce and budget:
- PPO plans: Maximum flexibility with broad network access and out-of-network coverage
- HMO plans: Lower premiums with coordinated care through a primary care physician
- High-Deductible Health Plans (HDHP): Lower premiums paired with Health Savings Account (HSA) eligibility
Employer contribution levels are flexible — you decide how much to contribute toward employee and dependent premiums. Our benefits consultants can help you model different contribution scenarios to optimize cost and competitiveness.
Retirement Plans
KeyHR administers 401(k) retirement plans for client employees, including both traditional pre-tax and Roth after-tax contribution options. Employer match programs are optional but highly recommended — SHRM research shows that 401(k) match is the second most valued benefit after health insurance.
Employees can enroll, manage contributions, and review investment options directly through the Enwage platform. Plan administration, compliance testing, and Form 5500 filing are all handled by KeyHR.
Supplemental and Voluntary Benefits
Beyond core medical and retirement benefits, KeyHR clients can offer their employees a comprehensive suite of supplemental benefits:
- Dental and vision insurance
- Group term life insurance and AD&D
- Short-term and long-term disability insurance
- Employee Assistance Program (EAP) — counseling, financial planning, legal consultation
- Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA)
- Dependent care FSA
- Supplemental insurance (accident, critical illness, hospital indemnity)
- Pet insurance, identity theft protection, legal services
Benefits Administration and Open Enrollment
Benefits administration is handled entirely through the Enwage platform. During open enrollment, employees receive notifications, review plan options with side-by-side cost comparisons, and make elections online — no paper forms, no manual processing.
New hire enrollment is triggered automatically when an employee is added to the system. Life event changes (marriage, birth, divorce) are processed through the same self-service portal. KeyHR handles all carrier communications, enrollment confirmations, and billing reconciliation.
WHAT'S INCLUDED
- Access to Fortune 500-level health insurance plans from major national carriers
- Multiple plan options: PPO, HMO, and HDHP
- 401(k) retirement plans with Roth option and employer match capability
- Dental and vision insurance
- Group life and AD&D insurance
- Short-term and long-term disability coverage
- Employee Assistance Program (EAP)
- Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA)
- Voluntary supplemental benefits
- Online enrollment and management through Enwage
- Benefits administration and carrier communication handled by KeyHR
- ACA compliance and 1095-C reporting
FREQUENTLY ASKED QUESTIONS
How much does employee benefits through a PEO cost?
Benefits costs depend on the plans you choose and your contribution levels. In most cases, KeyHR clients find they can offer significantly better coverage at equal or lower total cost than their current plans, because our group purchasing power produces lower per-employee premiums. We provide a free side-by-side cost comparison as part of the quoting process.
Can employees keep their current doctors?
This depends on the plan design chosen. PPO plans offer the broadest network access and typically allow employees to see any in-network provider without a referral. We offer plans from major national carriers with extensive provider networks.
How does open enrollment work?
Open enrollment is managed entirely through the Enwage platform. Employees receive email notifications, log in to review plan options with cost comparisons, and make their elections online. KeyHR handles all carrier communications and enrollment processing.
What if an employee has a pre-existing condition?
Under the ACA, group health plans cannot deny coverage or charge higher premiums based on pre-existing conditions. All employees are eligible for coverage regardless of health history.
Can I offer different benefit levels to different employee classes?
Yes, within ACA non-discrimination rules. You can offer different contribution levels or plan options to different employee classes (e.g., full-time vs. part-time, salaried vs. hourly) as long as the distinctions are based on legitimate employment classifications.
OFFER BENEFITS THAT COMPETE WITH FORTUNE 500
Get a free benefits analysis and see what your employees could be receiving through KeyHR's group plan.
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