Employee Benefits That Compete with the Big Companies — Without the Big Company Budget.
PEO Blueprint is a licensed, independent employee benefits broker helping small and mid-sized businesses with 1 to 500 employees design, place, and manage competitive benefit packages. We work for you — not the insurance carrier. And our benefits brokerage services come at no cost to your business.
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Schedule a free consultation with PEO Blueprint and start realizing the benefits of PEO sooner than later. Our experts are here to save you time, money and energy while optimizing your HR.
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HR Just Got Easier!
High Performance HR Begins Here.
Schedule a free consultation with PEO Blueprint and start realizing the benefits of PEO sooner than later. Our experts are here to save you time, money and energy while optimizing your HR.
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WHY USE AN INDEPENDENT BENEFITS BROKER?
The number one reason good employees leave small businesses is better benefits somewhere else. But most small employers don’t have the time, expertise, or market access to build a competitive benefits package on their own — and going directly to a carrier means you only see what that one carrier wants to sell you.
As a licensed independent benefits brokerage, we shop the entire market on your behalf. We design benefit plans, negotiate rates, and manage your programs year-round — the same way a large company’s benefits department would, without the overhead. Insurance carriers compensate us directly, so there is no fee, no markup, and no additional cost to your business.
EMPLOYEE BENEFIT SOLUTIONS ACROSS FIVE CORE AREAS
Segment 1: Group Health Insurance — Medical, Dental & Vision
The right group health plan is the cornerstone of your employee benefits package — and the biggest factor in recruiting and retaining talent. But for small and mid-sized employers, navigating carriers, plan designs, contribution strategies, and renewals is overwhelming. We make it simple.
Group Medical Insurance
We shop multiple carriers and plan designs to find the right group health insurance for your workforce and your budget — PPO, HMO, EPO, HDHP, and HSA-compatible plans.
Dental Insurance
Group and voluntary dental plans that balance coverage and cost — from preventive-only to comprehensive plans with orthodontic coverage.
Vision Insurance
Group and voluntary vision plans that give your employees access to routine eye care, frames, lenses, and contacts — standalone or bundled with your medical program.
Plan Design & Contribution Strategy
We help you structure your benefit offerings and employer contribution strategy to maximize value for your employees while managing your costs.
Renewal Management & Negotiation
Every year, carriers count on you accepting the renewal without question. We audit your renewal, benchmark it against the market, and negotiate better rates — often before you even see the increase.
Segment 2: Tax-Advantaged Benefit Accounts & Compliance
The right tax-advantaged accounts can save your business and your employees thousands — but most small employers either don’t know what’s available or aren’t set up to take full advantage. We help you design, implement, and manage the accounts and compliance frameworks that stretch your benefits budget further and keep you on the right side of federal regulations.
Health Savings Accounts (HSA)
Tax-advantaged savings accounts paired with high-deductible health plans that let employees save and pay for qualified medical expenses with pre-tax dollars — a powerful tool for cost-conscious employers and employees alike.
Health Reimbursement Arrangements (HRA)
Employer-funded accounts that reimburse employees for qualified medical expenses and individual health insurance premiums — giving you flexibility in how you fund employee healthcare.
Medical Expense Reimbursement Plans (MERP)
Customizable employer-funded plans that reimburse employees for out-of-pocket medical costs — a cost-effective way to supplement your group health plan or provide benefits to specific employee classes.
Flexible Spending Accounts (FSA)
Pre-tax employee accounts for healthcare and dependent care expenses that reduce taxable income for your employees and payroll tax liability for your business.
Section 125 / Cafeteria Plan Administration
We set up and manage Section 125 pre-tax benefit plans that allow employees to pay for health insurance premiums, FSAs, and other qualified benefits with pre-tax dollars — saving both you and your employees money on every paycheck.
COBRA Administration
We manage your COBRA compliance obligations — qualifying event notices, election tracking, premium collection, and timely communication — so you meet federal requirements without the administrative burden.
ACA Compliance Support
Guidance on Affordable Care Act employer mandate requirements, reporting obligations, affordability thresholds, and 1094/1095 filing — so you stay compliant and avoid costly penalties.
Segment 3: Life & Disability Insurance
Life and disability coverage are the benefits employees don’t think about until they need them — and the ones that matter most when they do. We help you offer meaningful protection through both group and voluntary options that show your team you’ve got their back, without adding significant cost to your benefits spend.
Group Life Insurance
Employer-paid basic group life insurance plans that provide financial protection for your employees and their families.
Voluntary Life & AD&D
Employee-paid voluntary life insurance and accidental death & dismemberment options that let employees purchase additional coverage through payroll deduction at group rates.
Short-Term Disability (STD)
Group and voluntary coverage that replaces a portion of income when employees can’t work due to illness, injury, or surgery — available as employer-paid or employee-paid through payroll deduction.
Long-Term Disability (LTD)
Group and voluntary extended income protection for employees facing prolonged medical conditions — a critical retention tool and a benefit most small businesses overlook.
Segment 4: Retirement Plans
A retirement plan isn’t just a benefit — it’s a signal that your company is serious, stable, and invested in your employees’ futures. For small businesses, offering a 401(k) or similar plan used to be complicated and expensive. It doesn’t have to be.
401(k) Plan Design & Placement
We help you select and implement the right 401(k) plan for your business — evaluating providers, fee structures, investment options, and match strategies.
SIMPLE IRA & SEP IRA
For smaller employers or businesses that want a simpler retirement vehicle, we evaluate and place SIMPLE IRA and SEP IRA plans that are easy to administer and cost-effective.
Compliance & Fiduciary Support
Guidance on plan compliance requirements, fiduciary responsibilities, and regulatory changes so you stay on the right side of ERISA and DOL rules.
Plan Benchmarking & Fee Analysis
Already have a retirement plan? We audit your plan fees, investment performance, and provider costs to make sure you and your employees aren’t overpaying.
Segment 5: Voluntary & Supplemental Benefits
Voluntary benefits let you offer a richer benefits experience without increasing your costs — employees choose and pay for the coverage they value most through convenient payroll deduction at group rates. It’s one of the easiest ways to differentiate your benefits package and improve employee satisfaction.
Accident Insurance
Voluntary coverage that pays cash benefits directly to employees following an accidental injury — helping cover out-of-pocket costs that medical insurance doesn’t.
Critical Illness Insurance
Voluntary lump-sum cash benefits triggered by diagnosis of covered conditions like cancer, heart attack, or stroke — giving employees financial breathing room during a health crisis.
Hospital Indemnity
Voluntary fixed cash payments for hospital stays, surgeries, and related expenses — supplementing medical insurance and reducing employees’ financial exposure.
Cancer Insurance
Standalone voluntary cancer coverage that provides cash benefits for diagnosis, treatment, and recovery — giving employees dedicated financial protection beyond their medical plan.
Pet Insurance
A high-demand voluntary benefit that employees increasingly expect — offered at group rates with payroll deduction for convenience.
Legal Plans
Prepaid legal services that give employees access to attorneys for everyday legal needs — wills, real estate closings, identity theft, and family law.
Identity Theft Protection
Voluntary coverage that monitors, alerts, and helps restore employee identities in the event of a breach or theft — an increasingly valued benefit in today’s digital environment.
Employee Assistance Programs (EAP)
Confidential counseling, mental health support, financial guidance, and crisis resources for your workforce — a small investment that makes a big difference in employee wellbeing and productivity.
Financial Wellness Programs
Education and tools that help your employees manage student loans, build emergency savings, reduce debt, and plan for the future — improving financial stress and workplace focus.
WHY BUSINESSES CHOOSE PEO BLUEPRINT FOR EMPLOYEE BENEFITS
No Cost to You
Insurance carriers compensate us directly. No broker fee, no markup, no additional cost to your business. You get independent expert guidance and access to more options than going direct.
Licensed & Independent
We are a licensed insurance agency with no allegiance to any single carrier. Every recommendation is based on what’s right for your workforce and your budget.
Group & Voluntary Expertise
We don’t just place group plans. We build comprehensive benefits programs that layer group coverage with voluntary and supplemental options — giving your employees more choice while keeping your costs in check.
Small Business Specialists
We understand the unique challenges of offering competitive benefits on a small business budget. We leverage group buying power and market access to get you options that most small employers can’t access on their own.
Year-Round Support
We don’t show up once a year at renewal. We manage your benefits program year-round — enrollment support, employee questions, claims issues, compliance updates, and mid-year adjustments.
Integrated with Your HR & PEO Strategy
Unlike standalone brokers, we see the full picture. Your benefits strategy is integrated with your PEO, payroll, and HR infrastructure — so everything works together instead of in silos.
Let’s Build a Benefits Package Your Employees Actually Value.
One conversation. No cost. No pressure. Let’s see how your current benefits stack up — and where you could be getting more.