in my state, some plans offered through GRP are LESS expensive than it's IFP mirrored counterpart and to tell someone broadly that GRP plans is "very expensive" has me questioning you authority and/or lack of experience.
expensive for who exactly? without anything quoted, number of employees, DE9's, or other docs, how can you say what is expensive, especially for someone else? because you can't afford it? if you have that thought process, i'd go as far as saying you don't even write grp or health insurance at all.
You are correct in your assumption that I do not write group. However, the OP said less than 10 employee. I was basing my experience and answer on what he/she said. I am no expert in group sales as I only do ind. but most of my clients are smallbiz owners, mostly mom and pop, and when I do speak with a owner that has somewhere around 10 or less employees, I always hear from them how expensive it is.