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Access to leading small group carriers combined with technology and services to give you an edge
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Small group employee benefits require a specialized approach. Leveraging our extensive insurance and benefits experience, PPI offers a competitive portfolio of carrier products with options to add PPI services and support.
Quotes for all lines of coverage, including voluntary with a quick turnaround for new business and renewals. We also coordinate all sold case paperwork, for a more seamless sales process.
Consolidated on or offline enrollment with administrator tools to manage eligibility changes and run reports. PPI ensures eligibility data is sent to the carrier.
Combined billing on non-medical lines and integrated COBRA Administration options create streamlined, end-to-end benefits administration.
Dedicated small group sales support and account management teams assist with new business, renewals and administrative issues.
The Employee Navigator system is perfect for fully-insured groups looking to streamline enrollment and automate eligibility to carriers. PPI will set up the platform and provide ongoing service, at no cost to you or your clients.
Employee Navigator Solution Sheet
If a PPI administered medical plan is not an option, consider a consolidated package of dental, vision, life, disability, and voluntary lines for your small business clients. Not only will it provide administrative efficiencies, but it can create a more inclusive and attractive benefits program to attract, retain, and motivate employees.
And, when you add voluntary options with one of our Enrollment Support Solutions carriers, you can truly unlock the value of a holistic benefits approach: comprehensive implementation support, multi-pronged communication and outreach strategies ensure maximum participation.
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Professional Employer Organizations (PEOs) can offer small businesses an attractive package: bundled HR, payroll, and benefits services, all tied together with the promise of simplicity. For very small or early-stage companies, this "one-stop shop" approach can seem like the easiest way to get up and running.
But as businesses grow, many find that the realities of a PEO arrangement no longer work in their favor — especially when it comes to cost, flexibility, and control.
While PEOs often market themselves as cost-effective, the truth is that administrative fees typically rise as a business adds employees and scales operations. Pricing is usually based on a per-employee-per-month (PEPM) model, with bundled services that may or may not align with what a company actually needs. Over time, employers may find themselves paying for HR services they no longer use, outdated benefit plans that don't meet employee expectations, and technology platforms that are inflexible and difficult to integrate with other systems.
Additionally, PEOs frequently increase administrative fees during renewal periods without clear explanations. These rising costs — paired with renewal-driven medical premium increases — can quickly outweigh the initial simplicity the PEO model promised.
Another common challenge with PEOs is the loss of flexibility. Most PEOs offer a standardized set of benefit plans and contribution structures, limiting your ability to customize offerings that align with your employees’ needs, your recruiting strategies, or your company's financial goals.
Changes to benefits, payroll processes, reporting, or compliance practices often require going through the PEO’s central system — meaning slower turnaround times, less agility, and less ability to tailor your HR and benefits strategies as your company grows.
Over time, employers can find themselves locked into programs that no longer fit their workforce or company culture.
As companies grow, they often expect — and need — more personalized service. But many PEOs rely heavily on centralized service models. What initially felt like a helpful bundled solution can start to feel impersonal, with support handled through rotating representatives or call centers rather than dedicated teams who understand your business.
When benefits, eligibility, or billing questions arise, having a partner like PPI working directly on your behalf — with support from carrier customer service teams — can make a major difference in the speed and quality of resolution.
At PPI Benefit Solutions, our focus has always been on delivering the flexibility, transparency, and support that growing businesses need — without the hidden costs or rigid limitations that often come with bundled PEO services.
Working with PPI and your broker, you continue to benefit from:
While you and your employees can access carrier support directly for claims, ID cards, and customer service questions, your benefits strategy, plan negotiations, and administration are handled by partners who advocate for your best interests — and who understand your evolving needs as you grow.
Recently, a New York-based employer with 65 employees transitioned away from a PEO after encountering a 67% medical premium renewal increase and growing frustrations over service and plan complexity. By returning to a stand-alone model and working with PPI, they cut their renewal increase by more than half, saved over $150 per employee per month in administrative fees, and implemented a streamlined benefits package better suited to their team. Read more about it here.
If you’ve been approached by a PEO — or are considering your options — it’s important to weigh the real costs, flexibility, and service experience you'll need as your business grows.
As your partner, we’re here to help you stay in control of your benefits strategy and administration — and to deliver the level of service you deserve.
Have questions? Reach out to your PPI account manager to learn more about how your current solution compares.