Superior State handles FSAs, HRAs, HSAs, COBRA, and more for small employers. Local expertise, personal service, and compliance confidence — so you can focus on running your business.
From tax-advantaged accounts to compliance administration, we handle the complexity so you can offer competitive benefits without the headache.
Employees save 20–30% on healthcare and dependent care expenses through pre-tax contributions. Full election available on day one. Healthcare FSA, Dependent Care (DCAP), and Limited Purpose FSA — we handle plan documents, claims, debit cards, and nondiscrimination testing.
Employer-funded accounts that reimburse employees for out-of-pocket medical costs — deductibles, copays, and more. A MERP goes further, allowing employers to self-fund a portion of claims risk for additional savings. We provide financial modeling, plan design, and ongoing administration.
ICHRA and QSEHRA let employers fund employee-selected individual health plans instead of traditional group insurance. Employees choose their own coverage; you control costs with defined employer contributions. A flexible alternative — especially for small teams.
Add vision, dental, and short-term coverage as a supplement to your group plan. Employees don't need to be enrolled in the group plan to benefit. Up to $2,200 per employee in 2026 — a simple way to enhance your benefits package.
Triple tax-advantaged accounts paired with a qualified HDHP. Unlike a bank-only approach, we ensure proper coordination with FSAs and HRAs, handle compliance support, and educate your employees. 2026 limits: $4,400 self-only / $8,750 family.
A single missed notice can mean $100+/day in penalties per person. We handle qualifying event notifications, election tracking, premium billing, and termination notices. Every deadline met, every document on file — so you're never exposed.
Tax-free commuter accounts for parking, mass transit, and vanpooling — up to $340/month per benefit type in 2026. Employee-funded through payroll deduction, costs nothing for the employer to offer, and you get FICA savings on every pre-tax dollar.
Stop losing money from uncollected premiums. We handle billing, late notices, payment tracking, and detailed reporting for employees on leave, retirees, and seasonal workers. Integrates seamlessly with our COBRA administration.
A modern, flexible benefit employees actually get excited about. Fund wellness categories you choose — gym memberships, financial planning, personal development, pet care. No IRS limits, minimal compliance, and real impact on retention.
Support growing families with tax-free adoption expense reimbursement — up to $17,670 per employee in 2026. A high-impact, low-cost benefit that signals your company values working families. We handle the plan document, claims, and compliance.
Tell us about your team and we'll show you exactly which services can save you money — with a plan that fits your size and budget.
Personal benefits administration for small employers since 1996. One call, one administrator who knows your plan.
1101 11th Ave, Suite B2
Menominee, MI 49858