Health Plan Design
Open Enrollment Communication Timeline for Remote-First Companies
Distributed teams need a four-to-six-week campaign, not last-minute announcements.
Marcus Telford
· 9 min read
Backbone Benefits — Page 2
The Latest
Health Plan Design
HDHP and HSA Strategy for Tech Company Workforces
Three employer decisions determine whether tech companies succeed with HDHP-HSA programs.
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Health Plan Design
Health Insurance Benchmarking for Tech Startups by Headcount
Insurance costs and options shift dramatically as startups grow past key headcount thresholds.
Marcus Telford
PEO Exit Strategy
Co-Employment Risk and Liability in PEO Arrangements
Clients remain legally exposed even with a PEO, regardless of what the contract says.
Darnell Okafor
PEO Exit Strategy
Employee Data Portability Rights When Exiting a PEO
Employers must secure employee data rights before—not during—a PEO exit.
Darnell Okafor
PEO Exit Strategy
Negotiating Your Own Benefits Package After a PEO Exit
Recover claims data and build a competitive package to negotiate standalone rates.
Marcus Telford
PEO Exit Strategy
PEO vs. AI-Native Broker Total Cost Comparison
PEO costs hide behind admin fees while broker models reveal true total expenses.
Priya Nambiar
PEO Exit Strategy
EIN Reinstatement and State Tax Registration After Leaving a PEO
Companies leaving a PEO must reactivate their original EIN and re-register in every state.
Renata Solís-Whitfield
PEO Exit Strategy
HRIS Migration Checklist After a PEO Exit
Sequencing your exit carefully prevents payroll gaps and compliance failures.
Marcus Telford
PEO Exit Strategy
Carrier Contract Continuity When Leaving a PEO
Coordinate with carriers and brokers months before announcing your exit to avoid coverage gaps.
Darnell Okafor
PEO Exit Strategy
PEO Contract Termination Clauses and Exit Windows
Hidden exit costs depend more on contract structure than termination fees alone.
Renata Solís-Whitfield