The Benefits Gap

Your Competitors Are Winning Talent With Better Benefits

Small and mid-size businesses often compete against larger companies for the same candidates — and the difference frequently comes down to what's in the benefits package. Health insurance, life coverage, disability protection — these aren't perks anymore, they're expectations. And when your package falls short, it shows up in turnover, not just recruiting.

The good news: you don't need to be a Fortune 500 company to offer competitive benefits. As a partner of National Life Group, we can build strong group benefit programs scaled to your team size and budget. We handle the setup, explain every option in plain language, and remain a resource for your employees long after enrollment day.

Employer reviewing group benefits with team

72%

of employees say benefits are a key factor in accepting a job offer

Common Pain Points

Four Challenges Every Employer Faces

Whether you're setting up benefits for the first time or reviewing an existing package, these are the issues we hear most.

Losing Talent to Better Packages

Candidates choose larger employers offering richer benefits — even when your salary is competitive. A well-structured benefits package levels the playing field.

Administration Overwhelm

Managing enrollment, renewals, and carrier relationships on top of running a business drains focus. We handle the complexity so you don't have to.

Cost Unpredictability

Premium increases at renewal can catch employers off guard. We build packages with cost controls in place and negotiate on your behalf at every renewal cycle.

Coverage Gaps Employees Don't Know About

Employees assume their coverage is comprehensive — until a claim reveals the gaps. We review every plan for hidden exposures before they become problems.

What We Offer

A Complete Group Benefits Program

From the foundational to the supplemental, we build benefits packages that employers can afford and employees actually value.

Benefit 01

Group Health Insurance

Health coverage is the cornerstone of any competitive benefits package — and the benefit employees value most. We work with multiple carriers to find plan structures that balance premium costs with meaningful coverage, including HMO, PPO, and HDHP options paired with Health Savings Accounts (HSAs). Every plan is benchmarked against your industry and region so you know exactly how competitive your offering is.

HMO, PPO, and high-deductible plan options

HSA-compatible plans to reduce employer costs

Multi-carrier comparison at every renewal

ACA compliance guidance included

Available for groups as small as 2 employees

Get a Health Plan Quote →

Group life and disability insurance for employees

Benefit 02

Group Life & Disability Insurance

Group life insurance gives your employees a meaningful death benefit at a fraction of the individual policy cost — typically offered as a multiple of salary. Group short-term and long-term disability insurance protects employees' incomes when an illness or injury keeps them from working, covering 60–70% of their salary during recovery. Together, these two coverages protect your employees' families and demonstrate that your organization takes their wellbeing seriously.

Term life coverage — typically 1–2x annual salary

Voluntary supplemental life for employees who want more

Short-term disability: covers weeks 1–13 of a leave

Long-term disability: covers extended leaves through recovery

Guaranteed issue — no medical exam for most employees

Explore Life & Disability →

Voluntary benefits and dental vision plans

Benefit 03

Dental, Vision & Voluntary Benefits

Rounding out a benefits package with dental, vision, and voluntary options makes a meaningful difference in how employees experience their total compensation — often at little or no additional cost to the employer. Section 125 cafeteria plans allow employees to pay their share of premiums pre-tax, reducing payroll taxes for both the employee and the employer. Voluntary benefits like accident, critical illness, and hospital indemnity coverage give employees options to customize protection for their family's needs.

Group dental: preventive, basic, and major coverage tiers

Group vision: exam, frames, and contact lens allowances

Section 125 / cafeteria plan setup and administration

Voluntary accident, critical illness, and hospital indemnity

Flexible options — employer-paid or employee-paid structures

Build Your Package →

Why Eastern Atlantic Group

Benefits Expertise Built for Employers, Not HR Departments

We work with businesses that don't have a dedicated benefits team — so we become that resource for you and your employees.

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Carrier Access

We shop across multiple carriers to find the right plan at the right price — not just one carrier's product line. Our relationships get you competitive rates.

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Scalable From Day One

Whether you have 2 employees or 200, we design a package that fits your headcount and budget today and scales as your team grows.

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Institutional Backing

As a partner of National Life Group — A+ rated by AM Best, founded 1848 — we bring institutional-grade products and stability to your benefits program.

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Year-Round Support

We don't disappear after open enrollment. We're available for employee questions, claims guidance, and renewal negotiations all year long.

Group benefit plan availability, eligibility requirements, and coverage details vary by carrier, state, and group size. Nothing on this page constitutes a binding offer of coverage or a guarantee of specific plan terms. Eastern Atlantic Group works with employers to identify appropriate coverage options based on their specific situation. All plans are subject to carrier underwriting and approval.

Benefits That Attract Great People.
Protection That Keeps Them.

Your Competitors Are Winning Talent With Better Benefits