For Businesses
Attract and retain top talent with a competitive benefits package, group health, dental, vision, disability, and 401(k) plans designed for small businesses in the Omaha metro.
Overview
In today's competitive labor market, salary alone is rarely enough to attract and retain skilled employees. A well-designed employee benefits package demonstrates that your organization values its workforce and is committed to helping employees protect their health, income, and financial future. For many candidates, benefits can be the deciding factor when choosing between employers. Michael Schroder helps businesses throughout Omaha, Papillion, Bellevue, La Vista, Gretna, and the surrounding communities design and implement employee benefits programs that support both business goals and employee well-being.
Every business is unique, which is why employee benefits should never be approached with a one-size-fits-all strategy. Michael works with employers to evaluate their workforce, budget, and long-term objectives to build customized benefits solutions that balance employee needs with financial responsibility. Whether you have a small team or a growing workforce, there are options available to help create a competitive benefits package.
Group health insurance is often the foundation of an employee benefits program, but today's workforce expects much more than medical coverage alone. Michael assists businesses with a wide range of employee benefit solutions, including:
Providing a comprehensive benefits package can help improve employee satisfaction, increase retention, reduce turnover costs, and strengthen your ability to compete for top talent in the Omaha metro area and beyond.
For businesses looking to maximize value, Michael also helps employers evaluate specialized programs such as the Multiple Employer Aggregation Program (MEAP) available through Greater Omaha Chamber and Sarpy Chamber membership. These programs may provide eligible businesses with access to enhanced purchasing power, expanded plan options, and potential cost savings through group participation. As a Sarpy Chamber Ambassador and Greater Omaha Chamber President's Club member, Michael understands these programs and can help determine whether they may be a fit for your organization.
Disability insurance is another critical component of a well-rounded benefits package. While many employees insure their homes, vehicles, and personal belongings, few consider protecting the income that supports their lifestyle. Short-term disability coverage can help replace income during temporary illnesses or injuries, while long-term disability coverage may provide protection during extended periods away from work. Offering disability benefits can provide employees with valuable financial security while helping employers demonstrate a commitment to their workforce.
Life insurance remains one of the most valued employer-sponsored benefits. Group life coverage can help provide financial protection for employees' families while offering employers an affordable way to enhance their overall benefits package. Supplemental life insurance options can also allow employees to customize coverage based on their individual needs.
Dental and vision insurance continue to be among the most requested employee benefits. These plans help employees manage routine care costs while encouraging preventive treatment that can improve overall health outcomes. Supplemental products such as accident, critical illness, cancer, and hospital indemnity insurance can provide additional financial protection when unexpected medical events occur.
Retirement benefits are another important consideration for today's workforce. Whether through a traditional 401(k), SIMPLE IRA, SEP IRA, or a Multiple Employer Aggregation Program (MEAP), offering retirement savings opportunities can help employees prepare for the future while potentially providing tax advantages for the employer. Michael works with businesses to evaluate retirement plan options and identify solutions that align with company objectives and employee needs.
Michael Schroder takes a consultative approach to employee benefits planning, helping business owners understand available options, compare carriers, evaluate costs, and develop a benefits strategy that supports long-term growth. His goal is to help businesses create competitive, sustainable benefits programs that protect employees, strengthen retention, and support organizational success.
Chamber membership unlocks access to Multiple Employer Aggregation Programs that aggregate the buying power of many small businesses into a single purchasing pool. This can result in access to better plan designs, more stable renewal rates, and enterprise-level benefits at small-business premiums. If you are a Greater Omaha Chamber or Sarpy Chamber member, ask Michael how MEAP may benefit your employees and your bottom line.
Key Benefits
Attract & Retain Top Employees
Competitive benefits reduce costly turnover and make your business a more attractive employer in the Omaha job market, often at a lower cost than repeated recruiting and onboarding.
Tax-Advantaged Employer Contributions
Employer contributions to group health and retirement plans are generally tax-deductible, reducing your business's taxable income while building employee goodwill.
Group 401(k) Plan Setup
Offer employees a group 401(k) with employer match options, one of the most valued benefits available, supporting long-term employee financial wellness.
Chamber MEAP Access
Sarpy and Greater Omaha Chamber members may qualify for MEAP programs that provide access to enterprise-level rates and plan designs not available to businesses shopping individually.
Group Disability Coverage
Short- and long-term group disability plans protect employees' incomes and demonstrate that your company takes their financial wellbeing seriously beyond just their paychecks.
Ongoing Plan Management
Michael manages your renewal process annually, compares alternatives if costs increase, and is available year-round to assist with employee questions and enrollment changes.
Who It's For
Small Businesses Offering Benefits for the First Time
If your company has grown to the point where benefits are needed to compete for talent, Michael can help you start with a sensible, affordable package and build from there as the business grows.
Chamber Member Businesses in Omaha & Sarpy County
Greater Omaha Chamber and Sarpy Chamber members have access to MEAP programs that can dramatically improve the value and affordability of group benefits. Michael helps members leverage this often-overlooked advantage.
Businesses Experiencing High Renewal Rate Increases
If your group health premiums have increased significantly at renewal, it may be time to explore alternatives. Michael conducts a market comparison to determine whether a different carrier or plan design can deliver comparable coverage at better value.
Employers Who Want to Add a Retirement Benefit
Adding a 401(k) plan with employer matching is one of the highest-ROI retention investments a small business can make. Michael handles the setup, carrier selection, and employee enrollment support.
Common Questions
In Nebraska, group health insurance is generally available to businesses with 2 or more eligible full-time equivalent employees. Some carriers and programs have minimum participation requirements, often 50–75% of eligible employees must elect coverage. Michael works with multiple carriers and programs to find solutions that work for businesses at different sizes and participation levels, including sole proprietors looking for individual options.
A Multiple Employer Aggregation Program (MEAP) pools the employees of multiple small businesses, through a sponsoring organization like a chamber of commerce, to create a larger group for insurance purchasing purposes. This larger pool can access rates, plan designs, and underwriting terms typically reserved for large employers. Businesses that are active members of the Greater Omaha Chamber or Sarpy Chamber may qualify. Michael can verify your eligibility and walk you through the enrollment process.
Business owners and their spouses are typically treated differently under group health insurance rules depending on their ownership structure. S-corp shareholders with more than 2% ownership, LLC members, and sole proprietors face different tax treatment for employer-sponsored health insurance. The rules are complex, and Michael coordinates with clients' tax advisors to ensure group benefit structures are set up in a way that works both for the business and for the owner personally.
A group 401(k) with employer matching contributions is one of the most valued employee benefits available. For the business, employer contributions are tax-deductible. Business owners can also make their own significant pre-tax contributions as participants in the plan. SECURE 2.0 Act changes include tax credits for small businesses setting up new retirement plans that can significantly offset startup costs. Consult a qualified tax advisor for guidance specific to your business situation.
Related Services
Group Retirement Plans and 401K Solutions
Help your employees build long-term financial security with employer-sponsored retirement plans and 401K options tailored to your workforce.
Learn More →Health Insurance
Provide your team with comprehensive medical coverage, keeping employees healthy and reducing absenteeism across your organization.
Learn More →Life Insurance
Give employees peace of mind with group life insurance that protects their families in the event of an unexpected loss.
Learn More & Enroll →Disability Insurance (Long & Short Term)
Protect your employees' income if illness or injury prevents them from working, with flexible coverage options for both short- and long-term needs.
Learn More →Dental & Vision Insurance
Round out your benefits package with dental and vision coverage that supports employees' overall health and everyday well-being.
Learn More & Enroll →Accident and Hospital Indemnity Insurance
Offset unexpected out-of-pocket costs from accidents or hospital stays with supplemental coverage your employees can count on.
Learn More & Enroll →Schedule a free consultation with Michael to explore what group benefits are available to your business, including Chamber MEAP programs that many small employers don't know they qualify for.
