Employee Benefits

Group health and
employee benefits,
built for your business.

Group Benefits
LIFE
Disability
LTC
ANNUITIES

Employee Benefits

Make your
plan even
better.

A benefits plan has to get a lot of things right — but the most important is this: it has to work for your team. When it does, it becomes one of the most effective tools a growing business has for attracting and keeping the people it depends on.

We help employers review what they already have, identify what’s working, and find opportunities to improve — including pricing, networks, contributions, compliance, administration, and renewal strategy. And if you’re building a plan for the first time, we help you get it right from the start.

What We Help Manage

Keep your program
running smoothly

Medical Plan Design

We help you evaluate carriers, networks, contribution strategies, and funding options so your benefits plan fits your company and your employees.

Dental, Vision, Life & Disability

We help round out the benefits package with coverage that supports employees without overcomplicating administration.

Enrollment & Everyday Help

Employees get clear enrollment guidance and a local team to call when they have questions about coverage, claims, providers, or plan changes.

Plan Administration

We help keep the plan running smoothly through renewals, eligibility changes, payroll coordination, and day-to-day service issues.

Compliance Guidance

We help employers understand required notices, ERISA documents, Section 125 materials, COBRA coordination, and California-specific requirements.

Live HR Experts

HR experts and practical solutions are at your fingertips to help resolve employee situations, benefits questions, compliance issues, and everyday HR challenges.

A better benefits experience starts
with better support.

Compliance Support

Compliance support, built into the relationship.

We help employers stay ahead of plan documents, notices, Section 125 requirements, COBRA coordination, and HR questions with support backed by Mineral HR.

 ERISA plan documents

Establish the formal terms of your benefits plan and help keep it properly documented.

  Summary Plan Description

Gives employees a clear explanation of their benefits, rights, and responsibilities.

Section 125 documentation

Provides the documentation needed when employees pay their share of premiums on a pre-tax basis.

COBRA coordination

Helps eligible employees receive timely notices and understand their continuation options.

Required employee notices

Helps ensure annual and plan-related notices are delivered correctly and on time.

California-specific requirements

Addresses state rules that can affect benefits administration and continuation coverage.

Ready to get started?

Let’s make your plan even better.

Whether you’re designing a new plan or improving an existing one, we help you review your options and bring the right pieces together for your employees and your organization.

Common Questions

Answers to common employee benefits questions.

These are some of the questions we hear most often. If yours is not here, we’re easy to reach.

Is there a cost to working with Carmel Bay Group?

No. Our compensation comes from the insurance carrier, not the employer. There is no fee to you for our services, plan reviews, or ongoing support.