Attract and retain talent with affordable group health, life insurance, and financial services — designed for businesses with 10-50 employees.
Your employees deserve competitive benefits. Here is what keeps most small business owners up at night.
Competing with large employers on a small budget feels impossible. You want to offer coverage but the price tags seem designed for Fortune 500 companies, not your 15-person team.
Your best candidates choose companies with better benefits packages. Without group health and life insurance, you are losing the talent war before the interview even starts.
State mandates, ACA employer requirements, and reporting obligations are a maze. One misstep means penalties, and you do not have a dedicated HR team to figure it out.
Separate vendors for health insurance, life insurance, and banking means no coordination, multiple invoices, and gaps in coverage that leave your team exposed.
Five straightforward steps from discovery to ongoing support. No surprises, no confusion.
We start by understanding your business, your employees, and your budget. This free call gives us everything we need to design a package that fits your reality — not a one-size-fits-all template.
We evaluate which benefits your team values most — health coverage, life insurance, financial services, or all three. We survey priorities so your investment goes where it matters.
We bundle group health insurance, group life insurance, and Chime financial services into one coordinated package. One point of contact, one enrollment process, one team managing it all.
We present your options with clear cost breakdowns — no hidden fees, no fine print surprises. Once you approve, we handle the entire enrollment process for every employee.
Benefits are not set-and-forget. We handle annual plan reviews, new hire enrollments, compliance updates, and any employee questions throughout the year.
We do not just sell policies. We build benefits programs that help small businesses compete and grow.
Health insurance, life insurance, and Chime banking — all in one coordinated package. One enrollment, one point of contact, one team managing everything.
We specialize in ACA-compliant group plans and SHOP Marketplace options designed for small employers. Affordable alternatives that meet federal requirements.
Whether you have 10 employees or are growing past 50, our packages scale with your business. We adjust coverage as you hire, so your benefits grow with your team.
Most group plans require 2-50 employees. We also have options for micro-businesses with fewer than 10 employees. During our discovery call, we will determine the best structure for your team size.
Yes. Employer contributions to group health plans are generally tax-deductible as a business expense. Offering benefits through the marketplace can provide additional savings, reducing payroll taxes for both you and your team.
Small businesses can help employees access health coverage through the marketplace. We guide you through the process of setting up plans that work for your team and budget — ensuring compliance while maximizing value for both employer and employee.
It depends on the plan structure. Some plans are fully employer-paid, others use a shared-cost model where employees contribute a percentage. We design the split based on your budget and competitive positioning in your industry.
Several states have mandates or pay-or-play laws requiring employers above certain thresholds to offer health coverage or pay a penalty. We will assess your specific obligations based on your state, employee count, and industry.
Yes. New hires trigger a qualifying event that allows enrollment outside of the standard open enrollment period. We handle the paperwork and onboarding so your new team members are covered from day one.
"FPM Pro bundled our group health, life insurance, and banking into one package. Our employees finally feel like they work for a company that invests in them — and our retention has never been better."
Book a free consultation with Bertram. We will assess your business, your budget, and your team's needs — then design a benefits package that helps you compete.
Business owners — don't forget to protect yourself. Ask about personal life insurance and tax planning to safeguard your family while you build your company.