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Running a business with fewer than 50 employees comes with tough decisions. One of the biggest? How to provide health benefits in a way that balances cost pressures, talent attraction, compliance, and flexibility. For many sub-50 employers, the options can feel overwhelming. Do you choose a traditional small-group plan or explore newer alternatives, such as …

Continue reading “ICHRA vs. QSEHRA vs. Traditional Small-Group: A Guide for Sub-50 Employers”

On July 4, 2025, President Donald Trump signed a major tax and spending bill, commonly referred to as the “ One Big Beautiful Bill Act” (OBBB Act), into law.  The OBBB Act includes changes for employee benefit plans, including provisions that:  Expanded HSA Eligibility and Coverage Only eligible individuals can establish HSAs and make HSA …

Continue reading “Employee Benefits 2025: Key Changes in the OBBB Act”

The rapid evolution of employee expectations and technology has led to significant changes in employee benefits programs. With increased demand for personalized, flexible, and holistic offerings, businesses are rethinking how they support their workforce. For both employers building attractive benefit packages and employees navigating their options, here are the essential employee benefits trends you need …

Continue reading “Employee Benefits Trends for 2025”

Every year, open enrollment offers a valuable opportunity for employees, individuals, and HR professionals to evaluate their health insurance options and choose the coverage that works best for them. Taking time to review plans carefully can help ensure strong protection and avoid unexpected gaps in care. At Vantage Point Benefit, we understand that navigating the …

Continue reading “How to Prepare for Open Enrollment: Best Practices for Health Insurance”

Parental leave has become a critical topic of discussion in the United States. For new parents, navigating the world of parental leave—whether it’s maternity, paternity, or family leave—can be overwhelming. Unlike many developed countries, the U.S. lacks a comprehensive federal policy guaranteeing paid parental leave, leaving many employees to juggle family responsibilities with work commitments. …

Continue reading “Parental Leave in the US: All you need to know”

What is the Retirement Savings Contributions Credit or the Saver’s Credit? The Retirement Savings Contributions Credit also known as the Saver’s Credit offers a benefit for low-to-moderate-income taxpayers making eligible retirement contributions, functioning as a nonrefundable credit to lower owed taxes potentially to zero.  The Saver’s Credit offers a financial incentive for individuals contributing up …

Continue reading “Retirement Savings Contributions Credit (The Saver’s Credit)”

This year, it’s essential for employers to focus on refining their benefits packages to meet the unique challenges faced by their workforce. Many employers have already recognized the importance of enhancing their strategies for retention and engagement, and this remains a critical priority. Developing comprehensive and responsive benefits plans is key to addressing the evolving …

Continue reading “Employee Benefits Trends for 2024”

Amid the challenges posed by the pandemic, inflation, economic downturn, and increasing debt, the financial well-being of employees appears to be facing considerable strain. Given these pressures, some individuals are taking a closer assessment of their expectations from employers. While higher compensation is desired, the emphasis is now shifting toward the degree of flexibility in …

Continue reading “Lifestyle Spending Accounts & Emergency Saving Accounts. Unveiling the Differences”

The total student loan debt in 2023, including federal and private loans, has reached $1.75 trillion, with an average of $28,950 per borrower. United States student loan borrowers collectively owe a massive $1.78 trillion in federal and private student loans as of March 2023, as reported in the Federal Reserve’s most recent quarterly figures. During …

Continue reading “Student Loan Assistance Programs. Improving Employee Financial Well-Being”

Encouraging employees to take time off from work can have a positive impact on both their physical health and mental health, while also being advantageous for the business. When employees return to work after taking a break, they are likely to feel more refreshed and motivated, leading to increased creativity and productivity. Furthermore, adopting such …

Continue reading “Unlimited PTO vs Floating Days: A Complete Guide”