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Latest Insights

Attracting and retaining talent with employee benefits

Attracting and Retaining Top Talent in 2025

by Drew Holley • 27 January 2025

In today's competitive job market, offering the right benefits is more than a perk—it's a necessity. This blog explores the evolving landscape of employee benefits in 2025 and provides actionable insights for businesses looking to attract and retain top talent. From flexible work options to mental health support and financial wellness programs, discover how forward-thinking companies are leveraging benefits to stay ahead. Whether you're an employer rethinking your offerings or a professional curious about what’s driving employee satisfaction, this guide has you covered.

What Employee Benefits Do Georgia Workers Want in 2025?

by Drew Holley • 17 January 2025

Key Insights on Employee Benefits for Small Businesses in Georgia Employee benefits play a pivotal role in attracting and retaining talent, particularly for small businesses striving to compete with larger corporations. BIS Benefits has partnered with Mployer Advisor to bring you an exclusive 2025 Employee Benefits Benchmarking Report, tailored specifically for businesses in the South Atlantic region with 25–49 employees. This blog highlights key findings from the report and how they can help you craft a competitive benefits strategy. Want to dive deeper? Download the full 2025 Employee Benefits Benchmarking Report to gain actionable insights and trends tailored for businesses like yours. Key Findings from the 2025 Employee Benefits Benchmarking Report 1. Medical Benefits: Affordability and Trends 76% of employers in the South Atlantic region offer medical benefits, with 63% of employees enrolling. On average, small businesses contribute $580 per month for single coverage and $707 for family coverage —in line with regional benchmarks. High-deductible health plans (HDHPs) with health savings accounts (HSAs) are gaining traction as cost-saving options. What this means for your business: Offering at least one affordable plan option with employer contributions around regional averages helps you stay competitive in the labor market. 2. Supplemental Benefits: A Strategic Edge Dental and vision benefits are offered by over 80% of employers in this cohort, with high employee enrollment rates of 98% and 93%, respectively. Life insurance payouts are commonly structured as multiples of earnings, with the majority of plans offering 1–2x salary coverage. Voluntary benefits such as critical illness and accident insurance are being increasingly adopted to attract talent without significant cost increases. Takeaway: Supplemental benefits can enhance your overall offering without breaking your budget. Highlight these options to potential hires to differentiate your package. 3. Retirement and Financial Benefits: Securing the Future 91% of employers offer defined contribution retirement plans (e.g., 401(k)), with 74% of employees participating. Employer matching contributions average between 4%–6% , a vital component in employee retention. Auto-enrollment and auto-escalation features are becoming standard, simplifying the process for employees and increasing participation. Action Step: Ensure your retirement plan includes competitive matching and user-friendly features like auto-enrollment to boost engagement. 4. Leave and Flexibility: Meeting Modern Expectations Consolidated leave programs (combining sick, vacation, and personal days) are offered by 69% of employers , reflecting a trend toward greater flexibility. Remote work options and flexible schedules are growing in popularity, with 40% of businesses offering work-from-home arrangements . How to stand out: Consider adding or expanding remote work policies and flexible scheduling to meet employee expectations in 2025. Why Download the 2025 Employee Benefits Benchmarking Report? This comprehensive report provides: Regional and national comparisons to help you understand how your benefits stack up. Detailed insights into cost-sharing, plan designs, and employee preferences. Actionable data on emerging trends like HDHPs, flexible leave policies, and wellness programs. The report equips Georgia small businesses with the knowledge needed to craft a competitive benefits package that aligns with employee needs and business goals. Download the Report Today Don’t miss out on the opportunity to gain insights that can transform your benefits strategy in 2025. Download the full report here by entering your email address and receive actionable data to help your business attract and retain top talent.

HDHPs: How High Deductible Health Plans Can Save Money for Employers and Employees

by Drew Holley • 6 January 2025

High Deductible Health Plans (HDHPs) are transforming how employers and employees manage healthcare costs. By offering lower premiums and pairing seamlessly with Health Savings Accounts (HSAs) , HDHPs provide a strategic way to save money while maintaining access to quality healthcare. In this article, we’ll explore how HDHPs work, their benefits for employers and employees, and how to maximize their potential. To learn more about the benefits of HDHPs and related options, visit our Group Benefits page . What Are HDHPs? HDHPs are health insurance plans characterized by higher deductibles and lower monthly premiums. These plans encourage smarter healthcare spending, as individuals must pay for medical expenses out-of-pocket until their deductible is met. A significant advantage of HDHPs is their compatibility with HSAs. HSAs allow employees to save pre-tax dollars for qualified medical expenses, reducing taxable income and providing a long-term financial safety net. Unlike Flexible Spending Accounts (FSAs), HSA funds roll over year after year, making them an ideal savings tool. To better understand the differences between HSAs and FSAs, check out our detailed guides on Health Savings Accounts and Flexible Spending Accounts . The Employer Advantage: Cost Savings and Competitive Benefits Employers benefit significantly from HDHPs because they reduce overall premium costs while providing employees with greater flexibility. These plans can be part of a larger strategy to attract and retain top talent, especially when paired with proper education about HSAs. Offering HDHPs demonstrates a commitment to cost-effective, forward-thinking benefits management. Businesses can tailor these plans to align with workforce needs, ensuring employees feel supported while keeping costs under control. For help designing a comprehensive benefits package, visit our Group Benefits page for insights on tailoring solutions for your team. The Employee Advantage: Affordable and Flexible Coverage For employees, the main draw of HDHPs is their affordability. With lower premiums, employees can save on monthly healthcare costs while taking advantage of HSAs to manage out-of-pocket expenses. HSAs offer employees tax savings, flexibility, and long-term benefits, making them an excellent choice for those planning for future healthcare needs. This is especially valuable for individuals and families who don’t anticipate frequent medical expenses but want to ensure coverage for unexpected costs. Learn how to maximize your savings with our guide to Health Savings Accounts , a vital companion to any HDHP. Key Differences: HSAs vs. FSAs While both HSAs and FSAs offer tax advantages, they differ significantly in how funds are managed. HSAs allow for funds to roll over indefinitely and are owned by the employee, even if they change jobs. FSAs, on the other hand, are subject to the "use it or lose it" rule, meaning unspent funds may be forfeited at the end of the year. Employees using FSAs should familiarize themselves with rollover and grace period options to avoid losing money. To better understand how these accounts compare, check out our Flexible Spending Accounts overview . Industry Trends: HDHPs Are Gaining Momentum HDHPs are increasingly popular across various industries, from technology to manufacturing. Businesses see these plans as a way to manage rising healthcare costs while still offering competitive benefits. As employers look for cost-effective solutions, HDHPs stand out as a forward-thinking option that balances affordability with quality. Pairing HDHPs with educational resources ensures employees feel confident in navigating their healthcare choices. Key Takeaways For Employers: HDHPs lower premium costs while providing flexibility for employees. For Employees: When paired with HSAs, HDHPs offer significant tax advantages and long-term savings opportunities. For Everyone: Understanding the differences between HSAs and FSAs is essential for making informed benefits decisions. Whether you’re an employer or employee, HDHPs can be a game-changer for managing healthcare costs. To explore how these plans fit into your benefits strategy, visit our pages on Group Benefits , Health Savings Accounts , and Flexible Spending Accounts .

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What Our Clients Say

"As an HR Director, it is imperative to work with a broker that understands the needs of the organization and the state of the healthcare market. BIS guided us through the renewal process, and discussed what types of plans made the most sense based upon our needs. Their knowledgeable and customer oriented staff sets BIS apart from their competitors. Our Account Manager, Client Services Specialist and all of the BIS Benefits staff are dependable, responsive and always willing to help solve a problem or answer a benefits-related question."

Human Resources DirectorLeading Disaster Recovery Company Atlanta
“Since using BIS Benefits, we have found our benefits’ coverage is not only better, but the management is easier and more efficient. The staff is especially knowledgeable, and customer service is excellent. In addition to following through in response to our needs, they proactively communicate what we should know about the latest products and services. I am convinced we are receiving the best benefits in the industry. Everyone I have dealt with over the past six years is exceptional, and I am always made to feel as if I am the most important customer.”

Human Resources Manager German Manufacturer Atlanta
“I appreciate the customer service and benefit knowledge. I always know that whatever I need is just an email or phone call away. With the constant rise in insurance costs, BIS Benefits has helped our company offer our employees great health benefits at a price with which we feel comfortable. BIS is more of a partner than a vendor. I do not feel like I am getting a sales pitch – in fact, it seems that BIS is more of an advisor, helping me stay on top of my insurance needs.”

Controller Publishing Company (Atlanta), Atlanta
"Reasonable prices and good coverage, along with a fast, courteous response were key factors in evaluating potential benefits and insurance partners. BIS Benefits delivered all of this and more. Their customer service and knowledge of the industry is the absolute best."

HR Director, Construction Company, Atlanta
"BIS Benefits’ location was a key deciding factor to use their services; however, their superior customer service is what has kept us with them for the last five years. BIS is always on top of our annual renewal, which with all of the other projects we have going on, it is reassuring to know that they will not let a deadline slip by us. BIS is organized, friendly, and always quick to respond and makes all of their clients feel important."

HR Director, Manufacturing Company, Atlanta
"Since teaming with BIS, our insurance needs have become much easier to handle. We appreciate their efficiency, helpfulness, knowledge and professional presentations. The BIS staff has always been eager to respond to any issues we encounter. They provide us with the resources and information we need to make informed decisions and that makes that part of my job run more smoothly. BIS has been a joy to work with through the years. Any time I have a need or a question, they respond immediately. In fact, I cannot think of a single instance when I was not pleased with the people and service. BIS has done a great job presenting and supporting their products and services."

HR Director, Software Company, Atlanta
"For over 6 years BIS Benefits has been our employee benefits broker. Not only has BIS enabled us to become better organized, but our benefits have also improved and are better suited to the needs of our employees. Going the extra mile to help us deliver optimal options for our employees, our Account Manager and all of the staff at BIS are very knowledgeable and extremely pleasant. In the rare event they cannot provide an immediate answer, they go above and beyond to resolve any question we have. BIS is a fantastic company in every regard."

Administrator, Medical Offices, North Atlanta

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