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  • It’s no secret that health insurance is one of the most important employee benefits. Insurance is also one of the most expensive benefits, forcing small business owners to balance an attractive benefits plan with the costs of offering different medical plans.

    While it can be easy to focus on group health insurance, it’s essential to remember another critical benefit – dental insurance. Let’s break down what types of dental plans employers can offer and how they can benefit your small business.

    What Dental Insurance Options Are Available For Small Businesses?

    There are various options for employer-sponsored dental coverage available for small businesses. These types of dental insurance plans include:

    • Preferred provider organizations (PPO) – Users can visit a network of providers for dental care. Individuals will have co-payments for procedures and can meet a deductible.
    • Dental health maintenance organizations (DHMO) – Users pay their dental network a set monthly fee for preventative care whether they use it or not. A set amount of annual services are covered within that fee, while others require copays or are not covered.
    • Discount or savings plans – Users pay a monthly premium to receive discounts on dental services, whether they are in network or not.

    How Much Does Small Business Dental Insurance Cost For Employers?

    It’s no secret that offering certain benefits is an ample expense for small business owners. Group health insurance alone can cost a business thousands of dollars per employee as premiums continue to rise. Fortunately, dental insurance is a much smaller investment than some other types of benefits.

    As with group health coverage, the exact cost of dental insurance will change for each employer. Dental insurance costs typically vary from $15 to $20 per employee per month depending on the plan of choice and whether an employee needs single or family coverage. Several factors will affect your overall dental premiums, such as your group size, the overall wellness of that group, and other criteria. Once you have your per-employee premium, you can extrapolate that monthly rate to determine your annual expected dental insurance costs.

    Four Reasons Why Small Businesses Should Offer Dental Insurance

    Employees aren’t the only people who benefit from dental coverage. Below are four key reasons why group dental insurance is advantageous for both employers and their workers.

    Recruitment and retention

    According to MetLife’s 2022 Employee Benefit Trends Study, 72% of employees named dental insurance as a must-have benefit. That placed dental insurance as the third-most desired benefit behind group health insurance and a 401(k) or some other form of retirement savings.

    While small business group dental insurance isn’t required by law, it has become a staple for competitive benefits packages across the U.S. That makes offering dental insurance an important, relatively cost-effective benefit that can help your business attract and retain talent.

    Overall employee health

    Dental coverage does more than just help your employees address their oral health. Regular dental visits also play an important role in helping employees stay healthy from head to toe. According to the Mayo Clinic, poor oral health has been linked to several chronic diseases and other serious health issues, including:

    • Diabetes
    • Heart disease
    • Endocarditis
    • Stroke
    • Pneumonia
    • Osteoporosis
    • Pregnancy and birth complications

    By giving your employees the opportunity to receive regular cleanings and other dental care, you can help them maintain their overall health. Healthier employees tend to not only be happier employees but also people who are less likely to use their group health plans for various other ailments.

    An employee covered by small business dental insurance at a routine cleaning.

    Employee productivity and availability

    Simply put, employees who have to take more sick days are likely to be less productive than workers who are in good health. Offering dental insurance is another way that employers can support the overall health of their company.

    Even if your employees are able to come in and work while dealing with tooth pain and other issues, poor health can make employees less effective. Aches, pains, and stress can cause employees to lose focus on the job. According to the Centers for Disease Control and Prevention, personal and family health problems cost U.S. employers $1,685 per employee per year in productivity losses.

    Long-term savings

    Investing in dental insurance for a small business can make a direct impact on your bottom line. To start, healthier employees are less likely to take time off because they’re sick or for additional doctor’s appointments. That added productivity alone can help you get the most out of your workforce.

    Preventative treatment allows you to get ahead of health issues in the long run. Reducing an employee’s chances of developing more severe conditions can save you from costly claims and productivity losses in the future. Research published in the National Library of Medicine suggests that health-related productivity costs are 2.3 times greater on average than medical and pharmacy costs alone. That number alone can make the added investment worth bolstering your benefits plan.

    Help Your Employees Stay Healthy And Productive

    A healthy workforce is happier and more productive workforce. Giving your employees supplemental plan options such as dental insurance is one way that you can strengthen your business. Of course, it’s not always easy to manage benefits administration and every other critical HR function on your own.

    As a Professional Employer Organization (PEO), GMS can leverage its collective buying power to help you offer quality health care benefits at better, more affordable rates. We also give your business access to proprietary technology and dedicated customer service to save you valuable time that you can focus on your business.

    Ready to offer dental coverage to your employees? Contact GMS today to learn how we can help you get the most out of your benefits package.

  • Retirement planning is the process of setting income goals, followed by the actions and decisions necessary to achieve those goals. This includes classifying sources of income, sizing up expenses, implementing a savings program, and managing assets and risk. Retirement planning is the financial strategy you take in saving, investing, and ultimately distributing money meant to sustain oneself during retirement. Planning prepares individuals for life after their income ends.

    Depending on where you are in your life, whether you’re a recent college graduate or five years into your career, your retirement plan will constantly change. If you’ve just entered the workforce, your main goal will be to save a certain percentage of your income. Once you reach the median portion of your career, you may want to consider increasing your specific income or target goals and take steps to achieve them.

    As a small business owner, you may have never thought about offering retirement plans to your employees. If nothing else, consider it as a recruiting tool – employees are concerned about their future and are looking for employers to provide peace of mind. The purpose of offering retirement benefits is to increase the economic security of your employees. Offering one has numerous benefits:

    • Attract and retain quality employees
    • Lower income taxes
    • Supersize retirement returns
    • Payroll deductions
    • Long-term compounding
    • Creditor protection
    • Pre-tax contributions
    • Employer contributions 
    • Roth contributions

    If you are wondering if you should begin offering this type of benefit to your employees, you first want to explore the different options available. Continue reading to see which option(s) might be the best fit for your business.

    Retirement Plan Options

    Traditional IRA

    A traditional IRA is available to anyone offering a wide range of plans and investment options. IRA stands for individual retirement account – meaning, they are tax-favored savings plans that are, for the most part, opened and managed by individuals themselves. Any individual who has taxable income can contribute to a traditional IRA.

    When making contributions to a traditional IRA, it reduces your taxable income while the money grows tax-free until you withdraw it. It is very similar to a 401(k) plan; however, the contribution limits are much lower in a traditional IRA. As of 2022, the contribution limits are $6,000 if you are under the age of 50 or $7,000 if you’re 50 or older. Individuals do not pay income taxes on their contributions, but instead, you pay taxes when you withdraw the money from your account at a specified time.  

    Roth IRA

    The main differentiator between a traditional IRA and a Roth IRA is when you receive the tax benefits. For a Roth IRA, you pay taxes on the money you contribute. This means that when you withdraw your money, you withdraw it tax-free at the time of retirement.

    To decide which plan to go with, the traditional or Roth IRA, experts have said to determine whether you expect to be taxed at a higher or lower rate when you retire. Many individuals create their retirement plans assuming that they’ll fall into a lower tax bracket once they retire. If you feel that you won’t be in a lower tax bracket when you retire, you could pay less income tax with a Roth IRA.

    When contributing to a Roth IRA, you are allowed to withdraw money after the age of 59 ½. However, there are several exceptions to the early withdrawal penalty. Should you purchase your first home, have an extensive amount of college expenses, or have a child, you might be able to withdraw from your Roth IRA with no penalty. With that being said, you are only able to contribute to a Roth IRA if your annual income is below a specific threshold.

    SEP IRA

    A SEP IRA stands for a simplified employee pension. This type of retirement plan is used mainly by self-employed individuals or small business owners. If you’re a business owner, this plan may be cheaper and easier to operate as opposed to a 401(k) plan.

    With a SEP IRA, you have the capability to put away a greater amount of savings each year. An employer can contribute up to 25% of each employee’s income, up to a maximum amount of $61,000, as of 2022. If you’re self-employed, you’re able to contribute up to 25% of your net income up to $61,000. With a SEP IRA, individuals are 100% vested in employer contributions. However, the immediate vesting of employee benefits may be a disadvantage for employers since the employee will take the money with them when they leave.

    Simple IRA

    A simple IRA is a retirement plan option for small businesses with 100 employees or less. Simple stands for savings incentive match plan for employees – meaning, employers must do one of two things:

    1. Match employee contributions up to 3% of the employee’s salary
    2. Contribute 2% of an employee’s salary regardless of any contribution from the employee

    Simple IRA plans offer a substantial source of income at the time of retirement by allowing employers and their employees to set aside money within retirement accounts. The main differentiator between conventional retirement plans is that with a simple IRA, there are no start-up and operating costs.

    With this type of retirement plan, employees are always fully vested which means no matter when the employee leaves the company, they can keep all the employer’s contributions. In 2022, employees can contribute a maximum amount of $14,000 of their annual salary or if they’re over the age of 50, they can contribute up to $17,000.

    401(k)

    The most popular option for a retirement plan is a 401(k). According to the Internal Revenue Service (IRS), a 401(k) is a feature of a qualified profit-sharing plan that allows employees to contribute a portion of their wages to individual accounts. The plan can be a profit-sharing, stock bonus, pre-ERISA money purchase pension, or a rural cooperative plan.

    An employee who signs up for a 401(k) agrees to have a portion of each paycheck paid directly into an investment account. Some employers may decide to match part or even all the employee’s contributions. There are two basic types of 401(k) plans – Traditional and Roth.

    The money in your 401(k) grows tax-free until you withdraw it. Once you choose to withdraw it, you’ll pay income tax on the money you take out. However, you must be 59 ½ or older to withdraw your money from the 401(k) plan without a penalty. You are also required to start withdrawing money from your plan at the age of 72.

    Most employers tend to offer 401(k) plans because they have fairly high contribution limits. In 2022, you can contribute up to $20,500 or $27,000 if you’re over the age of 50.

    Tom Smith, Director of Retirement Services at GMS, stated, “For employees, a 401(k) holds numerous benefits. Contributions are deducted directly out of their paycheck versus the employee having to send money to an account themselves. If their employer matches contributions, then it becomes a no-brainer for the employee to participate because they leave free money on the table if they do not.”

    Solo 401(k)

    A Solo 401(k) assists in maximizing retirement savings for individuals who are self-employed and business owners that don’t have employees. These plans are also known as individual or one-participant 401(k) plans. A Solo 401(k) is very similar to a standard 401(k) plan, except for the ability to boost your savings by contributing as both the employer and employee. 

    Individuals can contribute up to 100% of self-employment income with a maximum amount of $20,500 or $27,000 if you’re over the age of 50. In addition, you can act as the employer since you’re self-insured and contribute up to 25% of your business’ income. This may be the best option for those who are self-insured as you may be able to contribute more with this dual contribution formula.

    Partner With GMS Today

    No matter which retirement plan you choose, they all provide tax advantages as incentives to save for retirement. Now, you may still have a handful of questions and are still hesitant if you should offer a retirement plan to your employees. GMS is here to help. A PEO like GMS can leverage group buying power to reduce plan costs for small businesses and take on the fiduciary burden to ensure you remain compliant. As a business owner, you can stop wasting time trying to make sense of your legal responsibilities when you partner with GMS. With GMS, you easily establish: 

    • 401(k) eligibility requirements 
    • Vesting schedules
    • Tax-deductible matching
    • Profit-sharing contributions

    For more information about offering retirement plans to your employees, contact our experts today.

  • According to the Texas Department of Insurance, Division of Workers’ Compensation (DWC), during the first 27 months of the COVID-19 pandemic, the number of workers’ compensation claims increased by 20%. The DWC oversees the administration and operation of the Texas workers’ compensation system.

    The goals of DWC are to ensure:

    • Each employee is treated with dignity and respect when injured on the job
    • Each injured employee has access to fair and accessible dispute resolution processes
    • Each employee that is injured has access to high-quality medical assistance
    • Each injured employee receives services to facilitate their return to work as soon as it’s considered safe and appropriate by their health care provider

    Since May 1st, 2022, insurance companies have reported over 83,000 COVID-19 claims and 448 fatalities to DWC. More than half of these claims were shown to be injured employees who tested positive for COVID-19. As a result, insurance companies:

    • Accepted 58% of positive test claims
    • Denied 42% of positive test claims

    With that being said, out of the 21,000 claims that were denied, there were only 184 disputes filed with DWC. A report stated that this was the highest number of claims and has interrupted a 20-year trend in Texas of fewer workers’ compensation claims reported each year. 51% of COVID-19 claims were in the public administration sector – first responders, correctional officers, and prison workers. 18% of the claims accounted for health care workers and social assistance.

    Carriers have paid a total of $40.6 million in medical costs on COVID-19-related claims that were reported to an insurance carrier as of March 31st, 2022. However, 76% of these costs have been paid by political subdivisions, 20% from insurance carriers, and 4% from the state of Texas.

    How You Can Lower Workers’ Compensation Rates

    The formula for determining your company’s workers’ compensation rates is complex; however, the concept is simple. The more claims an employee files, the higher your rate will be. GMS’ experts work hard to help you save time and money and prevent your workers from being injured on the job. Our team will work with you to reduce the risk of workplace accidents so that your business has fewer, less severe claims over time by using the following:

    • Risk assessments
    • Safety training programs
    • Development of safety manuals
    • Development of safety guidelines for employees
    • Workplace inspections and guidance on OSHA compliance
    • Help implement a drug-free and drug-testing program

    GMS’ workers’ compensation claims management team provides businesses with more than just cost savings. Most importantly, you gain a partner that oversees the process of claims management. We work closely with carriers to ensure that your best interests are always at the forefront. Contact us today to get your workers’ compensation risk under control.

  • Human resources plays an important role in the daily operations of any business. As a business owner, you could be handling these tasks – payroll, benefits, and training employees. Have you ever felt overwhelmed by the number of hats you’re wearing at once to keep your business running? If so, HR outsourcing might be your new best friend.

    What Is HR Outsourcing?

    HR outsourcing is the practice in which a third-party organization handles some or all of a business’ internal HR responsibilities. Whether you need assistance with one aspect of your business, such as payroll, or you need assistance with a variety of different departments of your business, HR outsourcing can help. Any company that chooses to outsource its HR department may have the opportunity to enjoy the following benefits:

    • Save money 
    • Improve benefits 
    • Lower hiring costs
    • Ensure compliance 

    Before we continue to get into the benefits of outsourcing your HR functions, learn more here about the different outsourcing options available to you.

    Functions HR Processing Provides Small Businesses 

    Payroll processing 

    Managing payroll and tax filings can be one of the most time-consuming and challenging tasks for a small business owner. Your payroll process should be one of your first priorities as you don’t want to upset your employees by paying them late or incorrectly. Although you may think outsourcing your payroll may be more expensive than doing it in-house, in the long run, there are a variety of benefits. On average, small and mid-sized companies spend $2,000 per employee per year to handle payroll. Outsourcing payroll to a PEO like GMS will guarantee compliance with local laws and ensure that your employees are paid appropriately.

    The access to HR tools and resources allows businesses to enjoy the following benefits when they outsource payroll to GMS:

    • Payroll processing 
    • Payroll software 
    • Payroll tax management 
    • Employee self service 

    According to the National Small Business Association, 30% of small business owners spend more than six hours each week on payroll tax administration alone. Stop holding yourself back from what you do best, growing your business, and outsource your payroll.

    Employee benefits 

    Providing your employees with benefits like health insurance and a retirement plan will give your company a competitive advantage in your recruiting efforts. You want to keep and attract quality employees so you can continue to grow your business.

    You can offer your employees the following through a PEO:

    • Master health plan 
    • 401(k) or profit sharing 
    • Life insurance 
    • Dental 
    • Vision
    • Disability 
    • Supplemental insurance

    Outsourcing your employee benefits will save you time, money, simplify employee management, and allow you to spend less time worrying about benefits packages and more time growing your business. At GMS, we offer flexibility, control of premiums, access to data and networks, and overall options that you can’t find anywhere else.

    Risk management 

    As a small business owner, you might find yourself struggling to stay ahead of the risks associated with workers’ compensation and workplace hazards. You’ll need to comply with more rules than just benefits and tax laws. When it comes to workers’ compensation, you should focus on limiting injuries in the workplace and the rising costs of workers’ compensation insurance.

    Any U.S. employer must take responsibility for dealing with the consequences of workplace injuries. Every workplace injury results in a workers’ compensation claim for the employer, increasing their insurance rates. According to the U.S. Bureau of Labor Statistics employers spend an average of $0.45 per hour worked for workers’ compensation.

    To avoid workplace conflicts, and worst-case scenarios, or lawsuits, you can outsource your risk management efforts to an HR expert like GMS. From cost containment to loss prevention, we do it all. Protect your employees and your business by outsourcing your risk management functions today.

    Human resources 

    Managing HR can be quite challenging and may often be intimidating. When you outsource your HR functions like performance management, recruiting, and training, it allows you to spend more time focusing on growing your business, and less time on human resource management. Should you choose to outsource your HR to a PEO like GMS, you will gain assistance and expertise in the following areas:

    • Employee performance management
    • Employee recruiting and training services
    • Human resource audit
    • Human resources information system (HRIS)
    • Learning management
    • Unemployment claims management

    If you choose to outsource your HR functions, the HR partner of choice will assist in determining your performance goals and disciplinary routes for poor performance. Annual reviews, salary negotiations, and other performance-related conversations are always going to be a vital part of your business operations. It’s difficult to run a small business without much support, which is why more employers have turned to an HR outsourcing business.

    Outsource Your HR Functions Today!

    GMS is here to assist with any aspect of your business you need assistance with. From payroll tax management to hiring and recruiting employees for your business, we have experts in every area. We understand you may have questions about the transition process and where to begin. Contact us to learn more!

  • The U.S. Equal Employment Opportunity Commission (EEOC) announced that the new deadline for employers to submit and certify their 2021 Employer Information (EEO-1) Component 1 has been extended. Employers who missed the original deadline of May 17th, 2022, now have until June 21st, 2022, to submit their 2021 EEO-1 reports.

    The EEOC is responsible for enforcing federal laws that make it illegal to discriminate against a job applicant or an employee because of the person’s race, color, religion, sex, national origin, age, disability, or genetic information. Most types of work situations like firing, hiring, promoting, harassment, training, etc., are included under this law. The EEOC investigates any case related to discrimination against an employer who is covered under the law.

    EEO-1 Component 1 Data Collection

    The EEO-Component 1 report is a mandatory collection of data that all private sector companies with over 100 employees and federal contractors with over 50 employees are required to submit annually. These businesses must submit demographic workforce data such as race/ethnicity, sex, and job categories of each individual.

    Outsource Your Administration Function To GMS

    As a small business owner, it can be challenging to meet certain deadlines. Failure to comply can result in substantial penalty fees. At GMS, our experts keep you up to date on deadlines and ensure you are staying compliant with federal and state laws. Contact us today.

  • An employee handbook compiles all your company policies, procedures, working conditions, and behavioral expectations that guide employee actions within the workplace. It provides your employees with direction on how they can access your promotion policy, open-door policy, Americans With Disabilities Act (ADA), Equal Employment Opportunity Commission (EEOC), PTO, and any other important information your employees should know.

    Employee handbooks also include information about your company, a welcome letter from the president or CEO, the company’s mission and vision statements, purpose, values, and much more. Additionally, within an employee handbook, there is an area that shows your employee benefits and payment procedures.

    With a well-written handbook, employees will always know what is expected of them within the workplace. They will understand how their employer will address and apply the policies and procedures of their business. Employees will know that any employee in a similar situation to them will receive similar treatment.

    The Challenge Of Keeping Employee Handbooks Up To Date

    It takes a significant amount of time and effort to keep your employee handbook up to date. For small businesses that don’t have an HR professional, it’s even more challenging. However, it is vital for your business to have an employee handbook that’s up to date. It’s important to know that a handbook that’s outdated can ultimately cause more harm than good, especially if the policies aren’t compliant with the law. With that said, it’s important to know that you are not legally obliged to have an employee handbook. To learn how an employee handbook will benefit your business and the importance of updating it frequently, continue reading.

    Why It’s Important To Update Your Employee Handbook

    Employee handbooks have a variety of essential functions. Typically, handbooks are the first piece of information your new hires see during the onboarding process. It’s the introduction to your company. Employee handbooks also act as a reference point for your new hires. If you are a small business owner and don’t have a full-time human resources representative to answer questions, this is an excellent resource for your employees to utilize.

    You should review your employee handbook every calendar year to include any necessary updates. These updates could be changes to company policies, procedures, organizational structure, and more. If you plan to have any changes in the future, that is also something to consider when reviewing your current handbook.

    Laws change frequently. It’s your responsibility that your company follows all laws that apply to your business. This includes minimum wage, family leave laws, gender pay gaps, equal employment, and overtime regulations.

    Information could be missing. Perhaps you were reviewing your handbook and noticed you were missing information. You could have forgotten employee classification, unemployment, termination policies, etc. Whatever the situation is, be sure to add the missing information. 

    Technology changes. Since technology constantly changes, there will always be something that needs to be addressed. Topics such as data privacy, social media, cell phone/computer usage, and others, must be addressed.  

    How To Update Your Employee Handbook

    Depending on the size and tenure of your business will determine when you should be updating your employee handbook. You must review the document, compile any updates, write, or revise content, and update any legal documents that have been changed in order to stay compliant with the law.  

    Sit with your HR professionals (if applicable) and determine the major changes that need to be addressed within your handbook. This can include but is not limited to state and federal laws, paid time off policies, equal employment, and other areas.

    Consider adding the following topics to your handbook if you haven’t done so already:

    • Safety of employees
    • Employee benefits
    • Paid time off and vacation
    • Relationships expected in the workplace
    • Use of drugs
    • Discrimination policies
    • Inclusion and diversity
    • Remote and hybrid work policies 
    • Family medical leave act (FMLA)
    • COVID-19 policies 
    • Time and attendance
    • Personal appearance and dress code

    When You Should Update Your Employee Handbook

    As an employer, you should be reviewing your handbook at least once a year. Depending on the size of your business, you may want to consider reviewing it every six months. It’s common practice for an employer to review new case rulings and regulations to ensure the handbook is up to date. If you’ve had recent incidents like harassment and/or discrimination cases, those specific sections should be reviewed and updated.

    Partner With GMS Today!

    As you can see, a lot of work goes into creating an employee handbook for your business. If you are a business owner and don’t already have a handbook, the benefits it has for your business are extensive. Small business owners juggle a lot at once. Let us take on the administrative burdens while you focus on more important aspects of your business. Contact us today!

  • Running a business involves countless moving parts, from managing payroll and taxes to ensuring compliance with federal and state employment regulations. Professional employer organizations (PEOs) exist to ease this burden, handling administrative and human resource (HR) functions so employers can focus on growth. 

    Many businesses may be familiar with PEOs but may ask “What is a certified PEO?” Certified Professional Employer Organizations (CPEOs) go a step further than PEOs by meeting stringent requirements set by the Internal Revenue Service (IRS) and offering clients unique financial protections and tax benefits. PEO companies that are not certified typically do not provide these financial protections.

    CPEO vs. PEO: What’s the difference?

    When comparing a CPEO vs a PEO, the key difference is that a Certified Professional Employer Organization must complete the IRS’s certification process, an extensive evaluation that examines a PEO’s history, financial responsibility, and compliance record.

    While standard PEOs can offer many benefits, certified PEOs stand out because: 

    1. They assume full liability for federal employment tax payments on wages paid to worksite employees.
    2. They must post an annual bond (up to $1 million) that guarantees payment of federal employment tax liabilities.
    3. They undergo rigorous and ongoing IRS reviews and financial reporting requirements.

    By contrast, in a typical PEO relationship, both the client and PEO share liability for certain tax obligations. When partnering with a CPEO, the liability may fall solely on the certified PEO for federal employment tax on wages they pay to your employees. That’s a significant peace-of-mind factor for business owners.

    Ultimately, the CPEO vs PEO distinction comes down to added tax protections, financial bonding, and IRS oversight. 

    IRS guidelines and processes

    The IRS established the Certified Professional Employer Organization (CPEO) program through the Tax Increase Prevention Act of 2014. This was recently clarified by Revenue Procedure 2023-18, which replaced earlier guidance and laid out steps, processes, and requirements in more detail.

    The IRS lays out clear prerequisites to qualify as a CPEO. To become and stay a Certified Professional Employer Organization, a business must: 

    1. Be a business entity with at least one physical location in the United States. 
    2. Demonstrate a history of financial responsibility, organizational integrity, and federal/state tax compliance. 
    3. Be managed by individuals (mostly U.S. citizens or residents) who have knowledge and experience in employment tax compliance. 
    4. Maintain certification annually through online verification, financial reporting, and compliance monitoring. 

    Failure to meet these standards could result in losing the CPEO designation. With the enhanced guidelines, businesses can easily verify a certified PEO’s status by checking the IRS’s public listings of active, suspended, or revoked CPEOs.  

    Why partner with a CPEO?

    Partnering with a Certified Professional Employer Organization like GMS ensures compliance and reduces risk.

    1. Stronger financial protections: As noted, a certified PEO can take on sole liability for federal employment taxes on wages they pay, backed by a significant surety bond, helping protect you from potential tax risks. 
    1. Clear tax benefit retention: If you’re claiming tax credits, a CPEO relationship can help ensure you retain those credits without interruption. 
    1. Enhanced compliance: CPEOs are regularly monitored and regulated by the IRS, which can give you extra assurance that payroll, HR, and tax compliance issues are handled accurately. 
    1. Administrative relief: The day-to-day HR and administrative tasks (payroll, benefits, compliance, risk management) are managed by a professional entity, freeing you up to drive strategy, revenue, and team building. 

    Special note for the transportation industry 

    Many businesses in transportation must partner with a CPEO if they choose to outsource certain HR functions, specifically due to the liability implications tied to compliance rules. If your sector requires or strongly recommends partnering with a CPEO, understanding these benefits becomes even more crucial. 

    A CPEO You Can Count On

    At Group Management Services (GMS), we’ve taken the extra steps to become a certified PEO recognized by the IRS. GMS meets all IRS CPEO requirements so our clients can operate with confidence. What does that mean for you?

    Reduced risks: We assume the primary liability for federal employment taxes for our clients’ worksite employees.

    Time and cost savings: From payroll administration to benefits management and HR compliance, we handle the details, allowing you to focus on growing your business.

    Ongoing compliance expertise: We stay on top of IRS regulations and beyond, ensuring your organization meets updated standards.

    Contact us today to learn what a certified PEO is and how GMS can deliver peace of mind and improve your bottom line.

  • Early this month, Politico released that the U.S. Supreme Court has voted to overturn abortion rights. Since then, discussions and debates regarding abortion rights have been the center of attention throughout social platforms. If the ruling is reversed, access to abortion will most likely be banned or severely restricted in most states.

    Let’s take a step back and recall the origin of Roe v. Wade. In 1973, the U.S. Supreme Court ruled out a law in a case called Roe v. Wade. This is the case that legalized abortion in the United States. When the case began in 1970, Jane Roe, a name used to protect the identity of Norma McCorvey, instituted federal action against Henry Wade, the district attorney of Dallas County, Texas, where Roe resided. However, the U.S. Supreme Court disagreed with Roe’s statement of the right to terminate pregnancy in any way and time. They then attempted to balance a woman’s right to privacy with a state’s interest in regulating abortion.

    Ever since the ruling established the right to abortion, politicians have enacted dangerous restrictions that make getting an abortion nearly impossible for many people. Cases since then have included Planned Parenthood of Southeastern Pennsylvania v. Casey (1992), Gonzales v. Carhart (2007), Whole Woman’s Health v. Hellerstedt (2016), June Medical Services L.L.C. v. Russo (2020).

    As a business owner, you may have questions as to how you should handle conversations about political issues in the workplace. Research shows that 92 percent of workers have witnessed or have been a part of unthinkable conversations. It is your job as a business owner to ensure a civil work environment where all employees feel safe. You should provide support on how employees can have conversations about politics in a respectable manner. No matter what you may think of a particular topic, a good starting place is to reach a common ground. Below is a list of ways you can restore peace and ensure a civil environment in the workplace:

    • Focus on company values
    • Practice the skill of active listening 
    • Address expectations
    • Hold training sessions
    • Provide resources to employees
    • Lead by example

    How A PEO Can Assist With The Training Of Your Employees

    Working onsite is more complex than ever before. Business owners and HR professionals must be more strategic in their approach to ensuring a safe place for their employees. Political discussions are a complex topic but taking proactive steps to help facilitate a respectful environment is encouraged. Partnering with GMS will provide you and your business resources to facilitate a safe workplace for your employees. GMS offers online employee training programs that can assist in handling controversial conversations in the workplace. Contact us today!

  • The Occupational Safety and Health Administration (OSHA) announced that they will begin the enforcement phase of its emphasis program to prevent workplace hearing loss. Although this program focuses mainly on manufacturing industries, occupational hearing loss is a widespread concern.

    OSHA reported that more than 30 million workers in the United States are exposed to hazardous noise each year causing thousands of workers to suffer from hearing loss that could have been prevented. Hazardous noise levels within the workplace are not only a concern for hearing loss but also contribute to other causes of physical and mental stress, ultimately, lowering employee productivity.

    With OSHA’s new regulations on occupational noise exposure, employers are now required to implement a hearing conservation program when employee noise exposure is equal to or exceeds an 8-hour time-weighted average (TWA) sound level of 85 decibels (dBA). The OSHA permissible exposure limit (PEL) for noise is 90 dBA as an 8-hour TWA.

    Now, you may wonder, how can I prevent my employees from being exposed to hazardous noise? There are sound-measuring instruments available to measure noise levels which include sound level meters, noise dosimeters, and octave band analyzers. If you have access to mobile iOS devices, you can download the Sound Level Meter app as well. Partnering with a PEO like GMS can also ensure the safety of your employees.

    How GMS Can Help With Workplace Safety

    We understand that business owners can’t keep operations running and thriving without a healthy and efficient workforce. Your employees need the resources and tools to succeed while you are ensuring you’ve created a safe work environment. GMS helps small business owners take a proactive approach to workplace safety through a variety of services. We provide onsite consulting, job site inspections, accident and injury investigations, training, job hazard analysis and standard operating procedures, and OSHA inspection and citation assistance. If you want to make your workplace a safer place, contact us today.

  • Prior to the pandemic in 2020, research showed that one in five adults struggled with mental health issues. Post pandemic has triggered a 25% increase in anxiety and depression, according to the World Health Organization (WHO). With this drastic increase in the past couple of years, employers need a plan of action to increase the health and wellbeing of their employees.

    With employees returning to the workplace, it can be stressful and overwhelming. Individuals are still adjusting to the “new normal” and need support and resources. With all the changes in the work environment, many individuals have started prioritizing mental health within the workplace.

    A survey conducted by the Employee Benefit Research Institute (EBRI) showed that in response to the pandemic, 50% of employees believe mental health wellness programs are more important than ever. Unfortunately, cost continues to be a concern for many individuals. The survey also found that three in four people trust their employer to offer quality benefits and offerings that will improve their overall well-being.

    The following will help to create a safe work environment and ensure the welfare of all employees:

    Promote Health And Well-being

    Employee wellbeing refers to the state of employees’ physical and mental health and focuses mainly on factors including mood and perception. The leadership of your organization needs to create a healthy culture and supportive environment for their employees. Educating leaders on how to recognize the signs of stress and mental health issues will help reduce turnover and absenteeism. Poor mental and physical health ultimately leads to lower moods, poor concentration, difficulty making decisions, and inadequate performance. Ideas that you can utilize to promote employee well-being in the workplace include the following:

    • Ensure recognition is a part of your company culture
    • Practice mindfulness
    • Create impactful mentoring programs
    • Promote mental health awareness

    Workspace/Work Flexibility 

    Your work environment can affect your mental wellness. On average, individuals spend 90,000 hours at work which is nearly one-third of our lives. How work affects us is directly related to our physical environment. Since the beginning of the pandemic, hybrid work became a new concept where employees worked from home two to three days per week and physically entered the office the remaining one to two days. Allowing flexibility like this in your business allows your employees to have a wider range of freedom. If the employees have children, they have adequate time to drop them off at school or take care of loved ones. A study found that 72% of employees report that work-life balance is especially important when considering a new position.

    When individuals think of office work, they probably think of people sitting at a desk all day. Sitting at a desk for an extensive period of time takes a toll on your body and mind. It goes hand in hand with the risk of anxiety and depression. Research is still being conducted to determine the reasoning behind it, but it’s most likely related to lack of exercise. Once an hour, individuals should get up from their desks to take a break physically and move around, stretch, get some water, clear your head, etc.  

    Communicate

    Communication is a valuable tool in managing many aspects of mental health and the well-being of your employees. As there are a handful of ways to communicate with team members, it’s important to determine the most effective way your team communicates. Understanding your team member’s communication styles is important to succeed. If they prefer face-to-face conversations over email or video, meet with them in person. Effective communication between your leaders and your employees strengthens relationships and ensures everyone is on the same page. This will create a positive working environment and improves motivation and productivity. Remember to always check in with your colleagues. Encourage a happy and motivating workplace. 

    What Is Your Company Doing To Address The Well-being Of Your Employees?

    Your employees’ career is a vital part of their life. Increased mental well-being is connected to happier work, more effective collaboration, and increased productivity. When partnering with GMS, we offer a wide range of benefits to your employees. Through our employee assistance program (EAP), our clients have access to free confidential services including legal and financial consultation, childcare, special needs, counseling, and more. If you choose to utilize free counseling, you have up to four sessions, per problem for face-to-face counseling with 24/7 access. To learn more about our benefits offerings, click here.