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Small Businesses (3–49 Employees)

What One Degree Benefits Can Do for Businesses with 3–49 Employees

For businesses with 3 to 49 employees, One Degree Benefits sits in a unique and powerful position: small enough to deliver personalized, high-touch service, but experienced enough to guide you through the complex terrain of compliance, cost containment, and employee retention.

Here’s how we support you:

Tailored Employee Benefits Packages

We help you design and implement voluntary and core benefit plans that meet your workforce’s needs—without blowing your budget. This includes:

  • Voluntary Benefits (Accident, Disability, Hospital Indemnity, Critical Illness, Cancer plans, etc.)

  • Dental & Vision Plans

  • Life Insurance

  • Short- and Long-Term Disability

  • Pre-Tax Benefits Setup (Section 125 Cafeteria Plans)

➡️ These plans can be zero-cost to the employer, while still offering tangible value to your employees, improving satisfaction and retention.

Tax-Saving Strategies

We educate and implement benefit options that reduce your payroll tax burden through pre-tax deductions, which also increase employees' take-home pay.

  • Savings on FICA/FUTA taxes

  • Support for WOTC (Work Opportunity Tax Credit) tracking when applicable

  • Guidance on what can be written off or deducted as a business expense

Compliance Support & Risk Mitigation

Smaller businesses often operate in the gray zone when it comes to benefit compliance. We help you stay on the right side of the law—without hiring a full HR team.

  • ACA thresholds and eligibility tracking

  • Required notices and documentation

  • Avoiding common fines and lawsuits by making sure your benefits and leave policies align with your obligations

Recruitment & Retention Advantage

Good employees are hard to find—and harder to keep. Offering meaningful benefits, even optional, employee-paid ones—makes your business more competitive in a tight labor market.
We position your benefits as part of your employer brand—to attract top talent who value care, flexibility, and financial wellness.

Hands-On Enrollment & Education Support

We don’t just drop off brochures. Our team provides:

  • In-person or virtual benefits education sessions

  • Enrollment support for staff in multiple languages and formats

  • Ongoing service—we’re a partner, not just a provider

Scalable Infrastructure for Growth

Whether you stay lean or double in size, One Degree Benefits helps you:

  • Build a foundation of scalable benefits and systems

  • Transition from “doing it all yourself” to delegating confidently

  • Plan for future HR tech integration and workforce expansion