Benefits enrollment season may not be your favorite time of year (except maybe the insurance companies). For business owners, it’s a tangle of paperwork, rising costs, and employee confusion. For brokers, it’s a busy time, but also a major opportunity if you’re equipped to turn chaos into clarity. That’s where the right strategy and partners can make all the difference.
In this blog, we’ll cover:
Let’s start with what makes benefits enrollment a hectic time in the first place.
Every year, it’s the same thing: the clock ticks down on open enrollment, and business owners may not be aware of challenges. It’s not just the stress of picking the right health plans, and there are often logistical and regulatory challenges. Most small or mid-sized companies don’t have an HR department with time to spare. And even if they do, benefits enrollment season still eats up hours in admin, compliance, and employee confusion.
The first step toward easing your client’s benefits enrollment is understanding it from their perspective. This year, like every year, your clients are facing:
And let’s not forget the calendar. Enrollment windows are tight. Business owners are already slammed with day-to-day operations, and they may have various needs that run the risk of going unanswered.
Here’s the thing: when employees are confused, they might pick the wrong plan. When employers are rushed, there is potential for misaligned strategy. The fallout? Disjointed budgets, lower satisfaction, and additional actions post renewal.
This is where brokers come in. If you can guide clients through this gauntlet — calmly, clearly, and early — you become indispensable. And if you’ve got the right tools (a PEO partner who offloads some of the regular activities), you get to be the hero saving them from the potential confusion
Most business owners don’t want to become experts in health insurance. They just want to offer decent benefits, avoid fines, and not get hounded by their employees during enrollment season.
Here’s where you come in. Not simply as a broker, but a fixer.
The worst time to make decisions is under pressure. Help your clients prep before open enrollment even hits. That means reviewing last year’s plan performance, anticipating rate hikes, and identifying better options now, not the week before the deadline.
Instead of jumping straight to quoting, dig into what’s changed. Did the workforce contract or expand? Where are current or future employees located? Are employees asking for telehealth or mental health support? A five-minute conversation can uncover exactly what matters most while planning for a renewal.
Benefits jargon is brutal. Provide side-by-side comparisons, cheat sheets, or even a 10-minute explainer session. If employees don’t understand their options, they’ll default to whatever costs the least (that’s rarely the best choice).
Cookie-cutter plans don’t cut it anymore. Customize based on demographics, usage trends, and budget. A 20-person warehouse crew doesn’t need the same setup as a remote tech team.
Enrollment platforms matter. Mobile-friendly, intuitive portals save time and sanity. Recommend tech that makes your client look organized even if they’re barely holding it together.
Help your clients look good. Help them save time. That’s how you earn loyalty that lasts.
You know what’s better than being the hero who simplifies enrollment? Being the hero with a sidekick. Enter the PEO.
A PEO (Professional Employer Organization) handles the grunt work most business owners hate, especially during benefits enrollment season. When you partner with one, you’re bringing in an entire operations team.
With a PEO partner, your small business clients will often get access to high-quality insurance plans often at rates usually reserved for the world’s biggest corporations. That’s a game-changer for small businesses trying to offer competitive coverage without exhausting their budget.
A PEO manages onboarding, open enrollment packets, plan changes, billing, COBRA… you name it. Your client doesn’t have to hire extra staff or stay up until midnight double-checking forms.
The dreaded ACA reporting, state mandates, and required notices; PEOs live in the weeds so your clients don’t have to do it alone. If the rules shift, a PEO shifts with them, and your client gets the support they need to keep themselves protected.
The best PEOs offer user-friendly platforms that tie payroll and benefits together. Employees enroll online, have 24/7 access to their plan info, and submit updates without emailing a dozen PDFs.
Here’s the kicker: you remain the point of contact. The PEO doesn’t replace you, they amplify you. You’re still the advisor, and you still own the relationship. But now, you’ve got a team behind the curtain making everything run like clockwork.
Together, you make a mess look like a masterpiece.
Helping clients is great. Growing your book while you do it is even better.
Partnering with a PEO makes your clients’ lives easier while making your business stronger. Here’s how:
When clients feel supported through enrollment, they stick around. With a PEO handling back-end admin and compliance, you get to focus on strategy and service, not chasing down forms or putting out fires. The PEO does the grunt work, and you get all the credit.
Most PEOs offer referral compensation in a few ways. While not your primary source of revenue, it’s nice to know you have another resource that can help customers and provide you with compensation.
Every broker can quote a plan. Not every broker can offer integrated HR support, payroll sync, and Fortune-500-style benefits. With a PEO in your corner, you're actually delivering a full-scale business solution.
At least with BBSI, you’re not dealing with a nameless call center. You get a local team that includes you in every big conversation. You’re looped in, you’re respected, and your clients feel it.
A PEO partnership can often serve as a viable option for your book of business, without replacing your expertise. You become the broker with more answers, more tools, and more leverage. That's what keeps your clients from shopping around.
If your clients dread benefits enrollment, that’s your opening. This blog laid out how brokers can step in, simplify the chaos, and deliver real value, especially when backed by a PEO like BBSI. From cost savings and compliance to hands-off admin support and slick enrollment tech, BBSI helps you look like a hero while growing your own revenue in the background.
If you're ready to partner with a PEO that makes your clients’ lives easier and boosts your bottom line, reach out to BBSI today. Let’s win enrollment season together.