Benefits guides for employers and HR
Plain-language guides for business owners and HR teams, including benefits for small business, plan choices, and the main federal rules.
Last checked: Nov 2026
Guide 1
Open Enrollment Communication: How to Explain Benefits So Employees Actually Understand Them
How to explain benefits so employees understand them: SBC and SPD plain-language rules, cost tables, language help, and a quick checklist.
Guide 2
Choosing Between Plan Types: HMO, PPO, and High-Deductible Plans for Your Workforce
HMO vs PPO vs high-deductible plans for employers: plain definitions, 2026 KFF data on what firms offer, IRS HDHP limits, and broker questions.
Guide 3
Starting an HSA or FSA Program: What Employers Need to Know
What employers need to know about HSAs and FSAs: comparability rules, W-2 reporting, cafeteria plans, carryover vs. grace period, and 2026 limits.
Guide 4
401(k) Basics for Employers: Plan Setup and Matching Choices
401(k) basics for employers: setup steps, traditional vs. safe harbor, 401(k) match choices, 2026 limits, fiduciary duties, and IRS tax credits.
Guide 5
Benefits Compliance Basics: The Main Rules Employers Should Know
A plain-language map of the main federal benefits rules by employer size: ERISA, COBRA, FMLA, ACA, HIPAA, and Medicare notices. Rules vary by state.
Guide 6
Benefits That Help You Hire and Keep Good People
Employee benefits for small business: 2026 BLS and KFF data on what employers offer, core vs. extra benefits, and tax-favored perks to consider.
Guide 7
A Simple Open Enrollment Timeline and Checklist for HR Teams
A month-by-month open enrollment timeline and checklist for HR teams, with legal deadlines like SBCs and Medicare Part D notices clearly marked.
Looking for help with your own benefits? See the employee guides.