Benefits your team will thank you for.
We help small and mid-sized employers build benefits packages that actually work — group health and dental, wellness and disability, workers' comp, 401(k) and retirement plans. One trusted partner, explained in plain language.
Trusted by employers since 2001 · Free, no-obligation call · Se habla español
We compare plans from leading A-rated carriers.
We work with leading carriers rated A or better by AM Best.
- Blue Cross and Blue Shield of TexasUnitedHealthcareAetnaCigna HealthcareHumanaDelta DentalGuardianMetLifeAmeritasPrincipalVSP Vision CareEyeMedDavis VisionUnumThe HartfordLincoln FinancialAflacColonial LifeSun LifeTexas MutualTravelersLiberty MutualAmTrustEmployersBerkshire Hathaway GUARDGuidelineHuman InterestEmpowerJohn HancockADPCorebridge FinancialNorth AmericanEthosBanner LifeMutual of OmahaForesters FinancialSILACAmerican NationalAugustarPrudentialAmerican EquityGlobal AtlanticOneAmericaAllianzNassauSecurian Financial
Carrier availability varies by state, plan type and underwriting. Logos are trademarks of their respective owners and do not imply endorsement.
One partner for your whole benefits package
From health insurance to retirement plans, we bring every piece together — and explain it in plain language so you and your team actually understand it.
Group Health & Dental Insurance
Plans your team actually uses — and benefits that fit your budget.
Learn moreWellness & Disability Programs
Keep your people healthy and protected when life happens.
Learn moreWorkers' Compensation Insurance
Better claims support and help managing premium costs for Texas employers.
Learn more401(k) & Retirement Plans
Retirement plans built for small employers and their teams.
Learn moreWealth Management for Owners
Build and protect what you've worked hard to earn.
Learn moreBusiness Solutions
Benefits that support your business goals and your bottom line.
Learn moreEmployee benefits for small business: what to offer
A strong benefits package is one of the best ways a small business can attract and retain top talent, even when larger companies can pay more. You don't need to offer everything at once. Most small business owners start with health insurance and add other employee benefits as the team grows.
These are the types of employee benefits small businesses offer most often:
Health insurance
group health insurance, level-funded health plans, or a health reimbursement arrangement (HRA) that reimburses employees for individual coverage. Health coverage is the benefit prospective employees ask about first.
Dental and vision
low-cost add-ons employees value, often paid fully or partly through payroll.
Life insurance and disability insurance
disability insurancegroup life, short-term and long-term disability give employees and their families financial security.
Retirement plans
Retirement plansa 401(k), SIMPLE IRA or 403(b) for nonprofits, with federal tax credits that help small firms cover the cost.
Workers' compensation
Workers' compensationprotects employees and the business when someone is hurt on the job.
Voluntary benefits and perks
accident, critical illness and supplemental insurance, an employee assistance program for mental health, paid time off and sick leave, and flexible work or work-from-home options.
How much do employee benefits cost a small business?
The cost of employee benefits depends on your team's size and ages, where your employees live, the plans you choose and how much of the premium you pay. Health insurance is usually the largest cost of a small business employee benefits package. Dental, vision, life and voluntary benefits cost far less, and many can be employee-paid through payroll at no cost to the business.
Small businesses have more options than they used to. Level-funded health plans can lower the cost of health coverage for healthy groups, HRAs let you set a fixed monthly budget, and retirement plan tax credits can offset most first-year plan costs. We compare plans from multiple A-rated carriers side by side, so you see real numbers for your team before you decide.
How small businesses compete with larger companies on benefits
Smaller companies can't always match the salaries larger companies pay, but a well-designed employee benefits program closes much of the gap. Employees consistently rank health coverage, retirement savings, paid time off and flexibility among the workplace benefits that matter most. A competitive benefits package also improves employee engagement and reduces turnover, which is expensive for any small business.
The key is matching benefits to your employees' needs and your budget, then explaining them clearly so your team actually uses and values them. That's what we do for every client.
Benefits built for your industry
Every industry has its own risks, schedules, and talent pressures. We tailor the package to how your business actually runs.
Auto Repair Shops
Benefits built for technicians, office staff, and real shop injury risk.
Learn morePrivate & Independent Schools
Health, retirement, and disability that help schools compete for faculty.
Learn moreConstruction & Trades
Workers' comp, health, and 401(k) for field crews and office staff.
Learn moreMedical & Dental Practices
Benefits that help practices compete for hygienists, nurses, and assistants.
Learn moreProfessional Services
Richer health, life and disability, and 401(k) for salaried talent.
Learn moreRestaurants, Retail & Hospitality
Affordable health, voluntary benefits, and workers' comp for hourly teams.
Learn moreManufacturing
Health, workers' comp, disability, and 401(k) for plant and warehouse crews.
Learn moreNonprofits
Affordable health, voluntary benefits, and 403(b) plans for mission-driven teams.
Learn moreChurches & Faith-Based
Affordable health, life and disability, and 403(b) for pastors and ministry staff.
Learn moreTransportation & Logistics
Health, workers' comp, disability and life, and 401(k) for drivers and dispatch.
Learn moreReal Estate & Property Management
Group and individual benefits for office staff, leasing agents, and crews.
Learn moreTechnology & Startups
Competitive health, life and disability, and 401(k) for remote, multi-state teams.
Learn moreEnergy & Oil and Gas
Health, workers' comp, disability and life, and 401(k) for field and office teams.
Learn moreBenefits that work as hard as your team does
We're a Houston-headquartered firm built for small and mid-sized employers. You get a local partner who knows your market, your carriers, and your people.
One local partner
No juggling vendors. We coordinate your whole benefits package with a single team you can actually reach.
A-rated carriers
We work with financially strong, reputable carriers — and we'll show you the options side by side.
Built for your team
Benefits your employees will actually use, not a checkbox plan that costs you and disappoints them.
Plain-language value
We translate the fine print into real numbers and clear next steps — no insurance-speak.
From overwhelmed to organized in three steps
No pressure, no jargon. Just a clear path to a benefits package that fits your team and your budget.
- 1
Book a free call
Tell us about your team in a 15-minute Discovery Call. We'll listen first.
- 2
Get a plain-language plan
We benchmark your current benefits against the market and show you real options.
- 3
Launch & support
We handle enrollment, communications, and ongoing support — not just the paperwork.
See where your benefits stand in 60 seconds
Answer five quick questions about your team, coverage, and retirement plan. We'll show you a snapshot and invite you to a free call if it makes sense.
Free Benefits Checkup
5 questions. 60 seconds. A clear picture of where your benefits stand.
Step 1 of 5
How many people are on your team?
Include full-time and part-time employees.
Get a free benefits quote for your business
Tell us a little about your company and what you're looking for. We'll prepare options from A-rated carriers — with no obligation to switch.
- Group health, dental, disability, workers' comp, and 401(k)
- Pricing from multiple carriers, compared side by side
- A clear recommendation in plain language
- Help with enrollment and ongoing support
Employers trust us with their people
We let our clients speak for us. Here's what they say about working with Benefits On Us.
“Benefits On Us provided exceptional service, offering tailored solutions that perfectly met our needs. Their team was knowledgeable, communicative, and made the process easy to understand.”
“The team made the entire process easy and stress-free. They took the time to understand my needs and found the perfect benefits package.”
“Thanks to Benefits On Us, we've been able to enhance our recruitment efforts by offering affordable benefits packages. It's made a noticeable difference in attracting high-quality candidates.”
“Their knowledgeable team provided clear guidance, making the process of choosing benefits straightforward.”
“What I like most about Benefits On Us is that the person or manager explains in detail and has a deep understanding of what is best for the consumers and clients.”
“Quick, simple and painless. Very responsive team.”
Testimonials reflect individual experiences; results vary.
Your Houston employee benefits partner
We're based in Houston and we know the local market — the carriers, the networks, and what your employees expect from an employer here.
16151 Cairnway Dr. #211, Houston, TX 77084
281.502.4600
Learn more about employee benefits in Houston.
See Houston benefitsCommon questions about employee benefits
Straight answers to the questions employers ask us most.
Let's build a benefits package your team will thank you for.
Book a free 15-minute Discovery Call with an advisor, or request a free quote for your business.
Trusted by employers since 2001 · Free, no-obligation call · Se habla español
Prefer to talk now? Call 281.502.4600