make sure he understands the family glitch. Telling people with a family that make $15/hour that they no longer get free health insurance because they aren't subsidy eligible can really become an issue for small business owners. (If they are all over subsidy line, it won't matter, but bring it up anyway)
1. Offer 2 or 3 plans, one of which is an HSA
(Even with 5 ee's). Show how he can pay for the lowest cost plan at 50% of the ee rate. Do not use the carrier HSA
. Go direct with hsabank.com. Stupid suggestion, but it works: Have a 2 or 3 page spreadsheet, but still print the quotes. Let them see the 400 pages of paper you have to understand to get them to the actual quote/benefits. For the 1st meeting, it impresses them everytime.
2. Do voluntary dental with whatever health carrier you choose (just make sure you explain the participation guidelines, so he understands the rules)
3. Do company paid life (employees love it and the reality is that if he doesn't and someone dies without life insurance, the family will look to him for funeral costs. Its stupid cheap)
4. If he is married, MAKE SURE the wife is happy. If the wife isn't happy with the plan/benefits, its going to be your fault at 7am, when she is bitching. Then you will get a crappy phone call on the way to work, after he got chewed out. (I'm not kidding) If its an HSA
, specifically ask if the wife understands the benefit how to use the debit card. If he has kids and isn't going to pre-fund the account so she doesn't have to pay full price when the kids are sick and screaming, you are going to have a problem.
Hope this helps! Good luck!