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The difference between a struggling small business and a thriving one often comes down to how they approach employee benefits. Most business owners think they have benefits figured out—but as Alice Rhodes, Vice President of Employee Benefits at AUI reveals, they absolutely do not.
Benefits shouldn't be treated as just another monthly expense. When employers make drastic changes without considering the human impact, the consequences can be devastating. "I had people in tears," Alice shares about one company that suddenly switched employees from a $250 deductible plan to an $8,000 deductible. This short-sighted approach to cost-cutting often leads to losing key talent and creating unnecessary workplace tension.
Even small businesses with just 3-10 employees can offer competitive benefits packages when they approach the process strategically. From low-deductible plans with copays to HSAs that provide tax advantages and flexible spending options, small employers have more options than they realize. The key is working with a knowledgeable broker who understands the specific needs of your team and can navigate the complex world of insurance offerings.
Perhaps most critically, business owners must recognize the serious compliance requirements surrounding benefits administration. Mistakes with COBRA, inconsistent waiting periods, or discriminatory practices can result in substantial penalties—fines accumulate per day, per employee, per occurrence, potentially reaching hundreds of thousands of dollars. Some violations even carry the risk of jail time. As Alice advises, "Don't confuse 'this works' with 'this works well.'" A benefits strategy that truly works well goes beyond merely checking boxes—it becomes a powerful tool for attracting and retaining the talent your business needs to thrive.

🎙️ Connect with Chrissy Myers and discover how resilience, expertise, and community can transform your world:

🔗 Follow Chrissy on LinkedIn for behind-the-scenes insights, leadership tips, and updates on her journey as the CEO of two thriving businesses.

📘 Grab your copy of 'Reluctantly Resilient' to learn how Chrissy turned challenges into opportunities and how you can do the same in your life and business.

🤝 Explore Clarity HR and discover how Chrissy’s team simplifies HR for small businesses, giving you peace of mind to focus on what matters most.

💼 Visit AUI to see how Chrissy's employee benefits expertise can help you build a healthier, happier workforce.