Fringe Benefit Analysts, LLC

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Fringe Benefit Analysts, LLC Fringe Benefit Analysts® is a full-service insurance, consulting and employee benefits firm.

Fringe Benefit Analysts provides a broad variety of health insurance plans and employee benefits for businesses and individuals. Additionally, we provide Business Development, Team Building, and Management Effectiveness Programs.

The end of the year brings a long list of HR priorities that are easy to delay until they're overdue. Here's what we rec...
10/16/2026

The end of the year brings a long list of HR priorities that are easy to delay until they're overdue. Here's what we recommend prioritizing and working through before December 31:

1️⃣ Update your employee handbook to reflect new state and federal law changes taking effect January 1.

2️⃣ Complete year-end performance conversations while context is still fresh for everyone involved.

3️⃣ Audit your I-9 documentation for missing or expired forms before an external review finds them first.

4️⃣ Review and finalize job descriptions for any roles you plan to post in Q1.

5️⃣ Pull and complete any outstanding new hire paperwork from the second half of the year.

6️⃣ Build your Q1 onboarding materials now rather than scrambling in January.

Getting these done before the holiday stretch sets your team up for a much cleaner start to 2027.

Before your open enrollment window closes, pull your 2026 benefits utilization data and flag the offerings with the lowe...
10/13/2026

Before your open enrollment window closes, pull your 2026 benefits utilization data and flag the offerings with the lowest participation rates. Low utilization is either a communication gap or a plan fit problem, and knowing which is happening will put you in a much stronger position heading into your renewal conversation.

Q4 is busier than most businesses expect. Open enrollment gets all the attention, but the compliance calendar running al...
10/08/2026

Q4 is busier than most businesses expect. Open enrollment gets all the attention, but the compliance calendar running alongside it is just as demanding… and the deadlines start before October ends.

Here's what needs to be on your radar right now:
> October 2: QSEHRA and ICHRA participant notices due for 2027 plan years
> October 15: Medicare Part D creditable coverage notices due to plan participants; Form 5500 extended filing deadline for calendar-year ERISA plans
> December 31: Annual Gag Clause Prohibition Compliance Attestation (GCPCA) due to CMS.

Getting ahead of these now is far easier than catching up on them in December.

In an industry where responsiveness and expertise can be hard to find in the same place, knowing your broker team by nam...
10/05/2026

In an industry where responsiveness and expertise can be hard to find in the same place, knowing your broker team by name changes the whole experience. Reviews like this one are a reminder of why the people side of this business matters so much!

Nearly two-thirds of employers reported annual turnover rates of 10% or higher in 2025, which illustrates that retention...
10/02/2026

Nearly two-thirds of employers reported annual turnover rates of 10% or higher in 2025, which illustrates that retention is one of the most expensive challenges small businesses face today! A competitive benefits package remains one of the most cost-effective tools available to address it.

When renewing your company’s benefits package, you might be tempted to simply review the rate increase, decide how much ...
09/29/2026

When renewing your company’s benefits package, you might be tempted to simply review the rate increase, decide how much to pass on to employees and move on. But it’s wise to stop to ask whether the package itself is still competitive!

Benchmarking is how you answer that question. Here's a simple way to do it before open enrollment opens:

1️⃣ Pull your current plan's enrollment and utilization data so you know what employees are actually using.

2️⃣ Compare your offering against industry benchmarks for businesses of your size. SHRM and KFF both publish accessible data on this.

3️⃣ Ask your benefits consultant what comparable employers in your industry are offering and where the gaps tend to show up.

4️⃣ Use what you find to go into renewal conversations with a position, not just a budget!

You don't have to overhaul everything to stay competitive. But you do have to know where you stand.

Benefits are only valuable when employees actually understand what they have. That means sitting down, answering questio...
09/24/2026

Benefits are only valuable when employees actually understand what they have. That means sitting down, answering questions and translating the fine print into language that actually makes sense.

There's a lot of noise right now about where employee benefits are headed in the coming months. But not all of it applie...
09/21/2026

There's a lot of noise right now about where employee benefits are headed in the coming months. But not all of it applies to a small or midsize business! So, here are three trends worth your attention…

1️⃣ Mental health benefits have moved from optional to essential:
-Employees expect EAP access, counseling options and a culture where using them isn't stigmatized.
-The ROI is straightforward: roughly $4 back for every $1 invested through lower absenteeism and health costs.

2️⃣ Financial wellness is expanding beyond retirement:
-Employees are dealing with rising healthcare costs, student debt and childcare expenses.
-Benefits like HSAs, FSAs and financial literacy resources address stress that hits performance and retention.

3️⃣ Women's health is something candidates are paying more attention to now than ever:
-Coverage gaps in reproductive health, fertility and menopause support are increasingly visible to candidates.
-Small businesses don't have to tackle all of it at once, but acknowledging the gap is a starting point!

For many employees, dental and vision benefits are the ones they actually notice every single year. Yet a lot of small b...
09/18/2026

For many employees, dental and vision benefits are the ones they actually notice every single year. Yet a lot of small business owners still treat them as optional extras.

A few assumptions worth challenging:

Myth: “Dental and vision are just perks, not real benefits.”
Fact: They're among the most consistently used benefits across all age groups! Employees interact with dental and vision coverage far more often than they interact with their major medical plan.

Myth: “Small businesses can't afford to add dental and vision.”
Fact: These are typically among the most cost-effective benefits to offer. Group rates bring the cost down significantly and employee contribution models can keep employer costs low.

Myth: “Employees would rather have higher pay than dental coverage.”
Fact: Survey data consistently shows employees rank dental and vision among their top desired benefits, often ahead of other perks.

Your benefits package communicates something to candidates and employees before a single conversation ever happens. The ...
09/15/2026

Your benefits package communicates something to candidates and employees before a single conversation ever happens. The question worth asking is whether it's sending the right message!

Address

872 W Heritage Park Boulevard, Suite 205
Layton, UT
84041

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+18015466004

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