--- title: Employee Benefit Plans - Lubbers & Associates, LLC description: Group health, life, and ancillary employee benefits for small businesses in Grandville & Grand Rapids, MI. Independent guidance that fits your team and budget. author: webiedesign --- - Business - [Business Valuations](https://www.lubbers.ellija.com/index.php?Itemid=246) - [Employee Benefit Plans](https://www.lubbers.ellija.com/index.php?Itemid=247) - [401(k) Evaluations & Consulting](https://www.lubbers.ellija.com/index.php?Itemid=248) - [Business Tax Planning](https://www.lubbers.ellija.com/index.php?Itemid=249) - [Business Succession Planning](https://www.lubbers.ellija.com/index.php?Itemid=250) # Employee Benefit Plans for Small Businesses in Grandville, MI Good benefits help you attract and keep good people — but for a small business, the options can feel overwhelming and the costs hard to control. As an independent agency, we help West Michigan employers build benefits packages that work for their teams and their budgets. [Schedule a Benefits Consultation](https://www.lubbers.ellija.com/index.php?Itemid=118) ![man getting coffee](https://www.lubbers.ellija.com/images/man-receiving-coffee.jpg) ## What We Help You Offer --- We simplify the process of selecting and managing competitive benefits, ensuring your business stays compliant and your employees feel valued. ### Group Health Insurance Comparing top carriers and plan designs to find the right balance of coverage and premiums. ### Group Life & Disability Protecting your employees and their families with essential financial safety nets. ### Ancillary Benefits Dental, vision, and other valuable add-ons that round out a competitive benefits package. ### Plan Structure Balancing coverage, cost, and what your team actually values to maximize your investment. ## Independent Guidance for Employers Because we aren't tied to a single carrier, we can compare options across the market and design a package that fits your company — not one insurer's lineup. And we're local, so you get a real person when something comes up. - Unbiased market comparisons across major Michigan carriers - Custom plan designs tailored to your budget and workforce size - Local, dedicated support based right here in Grandville ![3 trees](https://www.lubbers.ellija.com/images/3-trees.jpg) ## Why West Michigan Businesses Trust Us We combine the reach of a major brokerage with the personal touch of a local Grandville agency. ### Truly Independent We work for you, not the insurance companies. Our loyalty lies in finding the best rates and coverage for your business. ### Employee-First Focus We help educate your team on their benefits, ensuring they understand and appreciate the value of what you provide. ### Compliance & Support From ACA compliance to daily administration questions, we are your dedicated back-office support team. ## Frequently Asked Questions What is the minimum business size to offer group health insurance? In Michigan, small group health insurance is typically available for businesses with 1 to 50 full-time equivalent employees. We can help you determine your eligibility and explore options. How do independent agencies differ from captive agents? Captive agents sell policies from only one insurance company. As an independent agency, Lubbers & Associates compares plans from multiple carriers to find the best fit and price for you. Can we offer dental and vision without paying for the entire premium? Yes, you can offer voluntary ancillary benefits where employees pay all or a portion of the premium through payroll deductions, allowing you to expand your benefits package at little to no cost to your business. ## Ready to Build a Better Benefits Package? Schedule a benefits consultation with our Grandville team today. Let's find a plan that fits your budget and protects your employees. [Schedule a Benefits Consultation](https://www.lubbers.ellija.com/index.php?Itemid=118)