Fringe Benefit Analysts, LLC

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.

Today is a good reminder that every business is only as strong as the people inside it. Happy Labor Day from our team to...
09/07/2026

Today is a good reminder that every business is only as strong as the people inside it. Happy Labor Day from our team to yours. 🤝

Health plan costs are projected to rise nearly 10% per employee this year. That number gets thrown around a lot, but it’...
09/03/2026

Health plan costs are projected to rise nearly 10% per employee this year. That number gets thrown around a lot, but it’s also important to know what's actually driving it…

Three cost drivers are showing up across employer plans right now:

1️⃣ Pharmacy spend. Prescription costs are now the single largest share of total benefits spending, driven largely by specialty medications.

2️⃣ High-cost claims. One catastrophic diagnosis can shift a small employer's renewal number significantly. Cancer, complex surgeries and rare conditions are the main culprits.

3️⃣ Behavioral health utilization. More employees are using mental health benefits than ever, which is genuinely good news. But it does put upward pressure on plan costs.

Understanding what's behind the number puts you in a much stronger position when renewal conversations start!

Retention is complicated in a lot of ways, but what employees say they actually need tends to be pretty straightforward....
08/31/2026

Retention is complicated in a lot of ways, but what employees say they actually need tends to be pretty straightforward. Meaningful work, genuine recognition and a sense of being in the loop go a long way.

67% of employers renew their health plan without ever shopping the market. A quick comparison during your renewal period...
08/28/2026

67% of employers renew their health plan without ever shopping the market. A quick comparison during your renewal period often reveals more competitive options, and it costs nothing to look.

Something has shifted in how employees think about their benefits. In past years, they only cared whether they’d get cov...
08/25/2026

Something has shifted in how employees think about their benefits. In past years, they only cared whether they’d get coverage. Now, they're asking whether that coverage works for their life. This is crucial to know as a business owner!

Affordability tends to be the first thing that comes up, including:
-Predictable out-of-pocket costs
-Prescription coverage that doesn't feel like a gamble
-Telehealth options that make care more accessible and less expensive

But the conversation doesn't stop there! Mental health and flexibility are close behind:
-A workplace culture where using mental health days isn't a career risk
-Counseling and EAP resources that are actually easy to access
-Work arrangements that acknowledge life outside the office

None of this requires an unlimited budget. It mostly requires a strategy built around what your team actually needs.

Any broker can help when a renewal goes smoothly. The real test is what happens when something goes wrong and your team ...
08/20/2026

Any broker can help when a renewal goes smoothly. The real test is what happens when something goes wrong and your team is counting on you to fix it.

More than one in four of today's workers will experience a disabling condition before retirement. But for many small bus...
08/17/2026

More than one in four of today's workers will experience a disabling condition before retirement. But for many small businesses, disability insurance is still an afterthought! So, let’s bust some common myths around this coverage…

Myth: “Workers' compensation covers disability.”
Fact: Workers' comp only covers workplace injuries and illnesses. Most disability claims stem from illness, not anything that happens on the job.

Myth: “My employees are too young to need this.”
Fact: The risk exists at every age. An unexpected income gap hits younger workers hard because they typically have less savings to fall back on.

Myth: “It's too expensive to offer.”
Fact: Group disability coverage is typically one of the most affordable benefits a small business can add, and the cost often surprises employers.

The weeks around back to school are some of the most stressful of the year for working parents! As schedules shift, the ...
08/14/2026

The weeks around back to school are some of the most stressful of the year for working parents! As schedules shift, the mental load spikes in ways that affect focus and productivity. So, a few benefits worth highlighting to your team right now:

1️⃣ The Dependent Care FSA limit rose to $7,500 in 2026. That's a significant increase from prior years and worth communicating broadly.

2️⃣ EAP counseling gives employees a place to work through the stress and logistical pressure of major seasonal transitions.

3️⃣ Backup childcare benefits, if your plan includes them, are especially valuable when school schedules don't line up with work schedules.

4️⃣ Flexible scheduling options can go a long way during the first few weeks of the school year.

Ask your employees when they last updated their beneficiary designations on their life insurance and retirement accounts...
08/11/2026

Ask your employees when they last updated their beneficiary designations on their life insurance and retirement accounts. Marriage, divorce and the birth of a child are all qualifying reasons to update, and many employees simply forget.

As a small business owner, it’s common to think of staff recognition as a random act of kindness, driven by spontaneity....
08/06/2026

As a small business owner, it’s common to think of staff recognition as a random act of kindness, driven by spontaneity. But there's a strong case for treating it as a real HR strategy!

You see, only 26% of employees currently say they feel engaged at work. That number has been declining over recent years.

And the data on what moves it in the right direction is pretty consistent: recognition!

Employees who are recognized on a weekly basis are six times more likely to see a long-term future at their company.

They're also nine times more likely to feel a genuine sense of belonging.

For a small business, that's one of the most powerful retention tools available, and it doesn't cost a thing!

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

Website

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