Employee Benefits Planning for Small Businesses Without an HR Department
Some1 Family Office designs group benefits packages for businesses in the 2-to-50-plus employee range, as an independent broker not contracted to any single carrier, so your team has competitive coverage and your renewal does not become a budget problem every year.
Based in Atlanta and serving small businesses across Georgia, Some1 Family Office works as the group benefits broker Atlanta businesses in the trades, healthcare, legal, and professional services sectors have been looking for — without the volume-driven approach of a large brokerage house.
Group benefits are delivered through
The Insurance Shop, our licensed independent insurance agency.
The Benefits Decision Your Team Is Already Watching You Make
Small business owners make complex benefits decisions alone, often for the first time, without the HR infrastructure that corporate employees take for granted. There is no benefits team to research carriers, no legal department to read the plan documents, and no precedent to fall back on if the decision turns out to be wrong. The choice affects hiring, retention, and monthly overhead simultaneously.
As an independent employee benefits advisor for small businesses in Atlanta, GA, Some1 Family Office manages the carrier comparison, plan design, cost structure, and enrollment process from the first conversation through every annual renewal. You make the call. We make sure you have what you need to make it well.
Group Medical, Non-Medical Benefits, and Retirement Plans — All in One Relationship
Travel Insurance
Travel insurance covers medical emergencies, trip cancellations, and evacuation costs when standard health coverage stops at the border. For frequent business travelers and international visitors, it is straightforward, low-cost coverage that fills an otherwise significant gap.
Group Medical Plans
Group health insurance is the anchor of any benefits package, and getting the plan design right from the start determines whether the coverage is sustainable over time. Some1 compares options across carriers, structures cost-sharing between employer and employee, and evaluates traditional group medical alongside modern alternatives like ICHRA to find the plan that fits both the business budget and the team's actual needs.
Non-Medical Benefits
A benefits package that only covers medical is harder to sell to candidates than one that adds dental, vision, life, short-term disability, and long-term disability alongside it. Some1 builds non-medical benefits packages that complement the core medical plan, fill the gaps employees notice, and stay within a budget the business can actually sustain.
Retirement Plans
A group retirement plan — SIMPLE IRA, SEP, 401(k), or cash balance plan — is one of the most cost-effective benefits a small business can offer and one of the most underutilized. Some1 helps business owners evaluate which plan structure fits their employee count, contribution budget, and long-term goals, and sets it up without requiring the business owner to manage the process alone.
ICHRA: The Alternative to Traditional Group Health Insurance Most Brokers Have Not Told You About
ICHRA stands for Individual Coverage Health Reimbursement Arrangement. It is an employer-funded benefit that allows businesses to reimburse employees for individual health insurance premiums — on a tax-free basis — instead of offering a traditional group health plan. The employer sets a monthly reimbursement allowance. Employees choose their own individual coverage. The employer reimburses up to the allowance and does not manage the plan.
For small businesses where traditional group premiums have grown past what the budget will support, or where a workforce with varied coverage needs makes a one-size group plan impractical, ICHRA can deliver comparable benefit value at a more predictable cost structure. It also gives employees more choice over their own plan rather than locking everyone into the same carrier and network.
Some1 is one of the few boutique group benefits advisors in Atlanta actively advising small businesses on ICHRA as an alternative to traditional group medical. The research, setup, and ongoing administration are handled as part of the same advisory relationship.
- Employers control costs by setting a fixed monthly reimbursement cap rather than absorbing annual premium increases.
- Employees purchase their own individual plans from the marketplace and are reimbursed up to the employer-set allowance.
- Reimbursements are tax-free to the employee and tax-deductible for the business.
- ICHRA works alongside other non-medical group benefits — dental, vision, life, and disability coverage can still be offered on a group basis.
- Businesses of any size can offer ICHRA, with no minimum employee count requirement.
Built for the Industries We Know Best
Some1 Family Office works primarily with business owners who do not have a corporate safety net — the trades contractor who needs to compete for licensed electricians and HVAC technicians, the dental practice trying to hold together a support staff, the law firm that has outgrown its informal arrangement, the chiropractic office adding its third provider.
Each of these businesses has different workforce dynamics, different cost constraints, and different compliance considerations. A group plan that works for a 12-person dental practice in Norcross is not structured the same way as one for a plumbing contractor in Lawrenceville. We build the package around the business in front of us, not a template.
Industries we regularly advise on group benefits:
- Trades and construction: electricians, plumbers, HVAC contractors, general contractors
- Independent medical and dental practices: chiropractors, dentists, optometrists, small medical offices
- Law firms and legal practices
- Research firms and professional service businesses
What Small Business Owners Ask Before Starting a Benefits Conversation
How do I set up employee benefits for my small business in Georgia?
The process starts with a benefits consultation to review your employee count, your budget, and what your team actually needs. From there, Some1 shops the market across carriers for group medical, evaluates non-medical add-ons, and determines whether a traditional group plan or an ICHRA arrangement is the better fit for your cost structure. Enrollment, plan documents, and ongoing administration are part of the same advisory relationship — you do not manage the process on your own.
How do I find the best group health insurance broker for a small business in Atlanta?
An independent group benefits broker for small businesses in Atlanta, GA will shop options across multiple carriers rather than recommending a single preferred provider. Some1 is not contracted to any carrier, which means the plan recommendation is based on what fits the business, not what earns the highest commission. Independence also means we can revisit the structure at every renewal and change carriers if a better option exists.
What group health insurance options are available for businesses with fewer than 50 employees in Atlanta?
Businesses under 50 full-time employees are not required under federal law to offer group health insurance, but many do to compete for talent. Options include traditional small group health plans through carriers operating in Georgia, ICHRA arrangements that reimburse employees for individual marketplace coverage, or a combination of group and individual strategies. Some1 evaluates all available options against the employer's budget and the workforce's coverage profile before making any recommendation.
What is IUL and is it the right coverage for me?
Indexed universal life insurance is a permanent life coverage product with a cash value component tied to a market index. Over time, that cash value can be accessed as a tax-advantaged financing tool — the foundation of the infinite banking concept — for business owners who want their life coverage to serve a dual financial purpose. It is not the right fit for every client, but for those with a longer time horizon and interest in financial flexibility, it is worth a dedicated conversation.
What is the difference between an independent broker and a captive agent for group benefits?
A captive agent represents one carrier and can only offer that carrier's products. An independent broker like Some1 shops across the market and recommends based on the client's needs. For small businesses, this distinction matters most at renewal time — when a captive agent can only offer a renewal from their carrier, an independent broker can bring competing options to the table and help the business owner make a real comparison.
What happens at renewal time — do I have to renegotiate everything myself?
No. The annual renewal review is part of the ongoing advisory relationship with Some1. We review the incoming renewal, shop competing options across carriers if the pricing is not competitive, evaluate whether the plan structure still fits the workforce, and present a clear recommendation before any decision is required. The business owner makes the final call — we handle the research and the comparison.
Some1 Family Office is an independent insurance agency and benefits brokerage serving small businesses across the Atlanta metro area, including Sandy Springs and the Gwinnett County corridor, and virtually throughout Georgia and beyond. For group benefits planning built around your industry and your team's actual needs, the conversation starts here. Learn more about our advisory approach on our About page.
Your Employees Are Watching What You Decide — Let's Make the Right Call Together
A benefits package is one of the clearest signals a small business sends about how it values its team. Schedule a 24-minute consultation and walk away with a clear picture of what your options are, what they cost, and which structure fits your business at its current stage.