Life & Health — Group Benefits
Group Health Insurance
When you choose BFG, you get more than a benefits plan — you get the technology to run your entire people operation.
Offering group health insurance is one of the most impactful things you can do for your employees. But at Beach Financial Group, we go further than placing a policy. We onboard your company onto a fully integrated digital platform that combines HR management, payroll processing, and benefits administration in one place — so your team spends less time on paperwork and more time on what matters. From small businesses offering coverage for the first time to established companies ready to modernize how they manage their people, we build it for you.
What's Covered
- Comprehensive medical coverage for employees and dependents
- Preventive care, wellness programs, and mental health services
- Prescription drug benefits and specialist access
- Hospitalization, surgery, and emergency services
- Digital benefits enrollment for employees — accessible from any device
- HR management: employee records, onboarding workflows, and time tracking
- Payroll processing synced directly to your benefits data
- Automated carrier data feeds — eliminating manual eligibility updates
- Employee self-service portal for benefits, pay stubs, and HR requests
- Employer contribution strategies to manage cost and stay competitive
Why It Matters
Health benefits are the top factor employees consider when evaluating job offers — but the way you deliver those benefits matters just as much. A modern, digital benefits experience signals that your company is well-run and that you invest in your people. BFG gives you the technology infrastructure to deliver exactly that. We don't recommend a platform and hand you a manual — we set it up, sync it to your carriers, and make sure your HR team and employees are fully supported from day one.
Not just a benefit plan, a complete people platform.
When you choose Beach Financial Group, you're not just getting someone who reviews your benefits once a year. We onboard your company onto a fully integrated, all-digital platform — combining HR, payroll, and benefits administration in one place. We set it up, sync it to your carriers, and train your team. You run your business. We handle the rest.
HR Management
- Employee records & org chart
- Digital onboarding workflows
- Time tracking & PTO management
- Document storage & e-signatures
- Compliance alerts & reporting
Payroll Processing
- Automated payroll runs
- Direct deposit & pay stub access
- Benefits deductions synced automatically
- Tax filings handled end-to-end
- Garnishments & off-cycle payments
Benefits Administration
- Digital open enrollment for employees
- Real-time carrier data feeds
- Life event & qualifying change management
- Employee self-service benefits portal
- ACA reporting & compliance tracking
The Impact of Going Digital
Reduction in Enrollment Errors
87%Each enrollment mistake costs an average of $50–$200 to correct in staff time, carrier adjustments, and reprocessing. Digital platforms eliminate the vast majority before they happen.
Saved Per Employee Per Year in HR Admin Costs
$1,200Companies running HR, payroll, and benefits on a unified digital platform save an average of $1,200 per employee annually — recovered from manual data entry, paper processing, and redundant carrier updates.
Annual savings based on industry data
Less Time Spent on Open Enrollment
68%HR teams recover nearly two-thirds of their open enrollment workload through automated workflows, e-signatures, and direct carrier feeds — time that translates directly into labor cost savings.
Average Annual Savings on Compliance & Billing Corrections
$4,600Eligibility discrepancies, late filings, and ACA errors are among the most costly administrative mistakes employers face. Automation eliminates most of them before they become penalties.
Total annual savings — 50 employees
$60,000 HR admin + $4,600 compliance & billing
Fewer Eligibility Discrepancies
74%Automated carrier data connections dramatically reduce the billing and overpayment errors that cost employers thousands every year — and that rarely get caught until renewal.
Higher Voluntary Benefits Participation
3×Employees are three times more likely to elect voluntary benefits when offered through an intuitive digital experience — increasing plan value without increasing employer cost.
We don't hand you a platform. We build it with you.
BFG clients get a fully configured HR, payroll, and benefits system — connected to their carriers, tailored to their workforce, and supported by our team. No IT department required. No implementation fees. Just a modern people operation, ready from day one.
Common Questions
Do you actually set up the HR and payroll platform for us?
Yes. We don't just recommend technology — we implement it. We onboard your company, configure your plan designs, connect your carriers, and train your HR team. You're not handed a login and left on your own.
How many employees do I need to offer group health insurance?
Small group plans are generally available for businesses with 2–50 employees, though thresholds vary by state and carrier. We navigate minimum participation requirements — typically 70% of eligible employees — on your behalf.
Can I offer multiple plan options to my employees?
Yes. Many employers offer a choice of two or three plans — often a lower-premium HMO alongside a higher-flexibility PPO — allowing employees to choose what works best for their family. Our digital platform makes managing multiple plans simple for your HR team.
How much do employers typically contribute?
Most carriers require at least 50% of the employee-only premium, but many employers contribute more. We'll design a contribution strategy that's both competitive and sustainable — and model out the cost impact before you commit.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.