Gusto runs $40/mo plus $6/employee. TriNet charges $150–$200/employee/mo for full PEO. Boojee sets up health insurance, 401k, PTO, and full benefits administration — ACA-compliant, carrier-neutral, up and running in 30 days. From $398/mo.
Every plan is built around your team size, state requirements, and budget — not a carrier commission schedule.
We shop ACA marketplace, SHOP plans, and group health carriers across your state. You see a side-by-side comparison. No carrier pays us to pick them.
SECURE 2.0-compliant 401k with safe harbor or traditional design, payroll integration, and employee enrollment. Avg setup in 3 weeks.
Accrual rules, carryover caps, state-mandated sick leave, and holiday schedules — documented, reviewed for compliance, and ready to deploy in your HR system.
Group term life, short-term disability, and long-term disability enrollment configured alongside health coverage — one enrollment experience for employees.
Flexible Spending Accounts and Health Savings Accounts wired to your health plan. Contribution limits set, IRS documentation filed, employee education included.
ERISA plan documents, SPDs, ACA 1095-C reporting, IRS Form 5500 filing, COBRA administration setup, and HIPAA notices — done with no guesswork.
Four steps from zero to a benefits package your team will actually talk about.
We review your headcount, state requirements, current spend, and goals. Takes 30 minutes — you get a written findings doc.
We pull quotes from qualifying carriers, build a side-by-side plan matrix, and make a recommendation with the math shown.
We configure the enrollment platform, upload employee data, build communication templates, and run the open enrollment window with you.
New hire enrollments, qualifying life events, annual renewal negotiations, and compliance filings — handled on schedule without chasing you.
One-time or ongoing — choose the level that matches where you are right now.
Turnover is expensive. Benefits are cheaper than you think.
"We went from offering nothing to a full health, 401k, and PTO package in under 30 days. The setup paid for itself when we kept two senior hires who'd had competing offers."
Yes — and the gap is wider than you think. According to SHRM, 60% of employees say benefits are a key factor in whether they accept a job, and 80% say they'd choose a job with benefits over one paying 30% more without them. For small businesses competing against larger employers, a well-structured benefits package levels the playing field without requiring an HR department to run it.
Most states allow groups of 2 or more full-time employees (including owners) to access fully-insured group health plans. Some states allow groups of 1. The SHOP Marketplace (ACA small business exchange) is available to businesses with 1–50 employees. We determine the right enrollment path during your benefits audit based on your state and headcount.
Most benefits brokers are paid by the insurance carrier — meaning they have a financial incentive to recommend the plan that pays them the most. Boojee Estate charges a flat service fee instead. We shop all qualifying carriers in your state and recommend what's genuinely best for your team and budget. If a carrier offers broker compensation, it reduces your premium — we don't pocket it separately.
Most clients are fully enrolled within 30 days. The timeline breaks down as: benefits audit and plan selection (days 1–7), carrier applications submitted (days 7–14), enrollment platform configured and employee communication sent (days 14–21), enrollment closes and coverage confirmed (days 21–30). For 401k plans, the IRS establishment deadline applies — we advise on timing during the audit.
On Plus and Enterprise plans, we handle your annual open enrollment: we request renewal rates from your current carrier 90 days out, shop alternatives if rates increase more than 5%, prepare a comparison, and run the enrollment window with your employees. You approve the final selection — we do the paperwork, communication, and carrier coordination.
Tell us about your business and we'll scope a benefits plan, timeline, and pricing within one business day — no commitment required.