In Florida's competitive labor market, benefits are no longer a nice-to-have — they're a requirement for attracting and retaining quality employees. Yet most small businesses struggle to offer competitive benefits because they lack the purchasing power to access group insurance rates.
Key HR solves this problem through the PEO co-employment model. By pooling your employees with thousands of others across Florida and nationwide, Key HR negotiates group insurance rates with major carriers that small businesses simply cannot access independently. The result: your employees get benefits that rival large corporations, and you pay rates that fit your budget.
Group Health Insurance for Florida Businesses
Key HR offers group health insurance through major Florida carriers including Florida Blue, Cigna, Aetna, and United Healthcare. Our benefits team helps you select the right plan design for your workforce — balancing premium costs, deductibles, and network coverage to maximize value for both your business and your employees.
Key HR handles all aspects of benefits administration: open enrollment, employee elections, carrier billing reconciliation, qualifying life event changes, and COBRA administration. Your employees can manage their benefits elections through the Enwage platform at any time.
401(k) and Retirement Plans
Key HR offers a 401(k) retirement plan that gives your employees access to institutional investment options and low administrative fees typically reserved for large employers. Key HR handles all plan administration, compliance testing, Form 5500 filing, and employee education — eliminating the burden of plan sponsorship from your business.
Offering a 401(k) is one of the most effective retention tools for Florida businesses competing against larger employers. Key HR makes it accessible and affordable for businesses of any size.
Supplemental and Voluntary Benefits
Beyond core health and retirement benefits, Key HR offers a comprehensive suite of voluntary benefits that employees can elect at group rates: dental, vision, life insurance, short-term and long-term disability, accident insurance, critical illness coverage, and identity theft protection.
These voluntary benefits cost your business nothing — employees pay the premiums through payroll deduction — but they significantly enhance your total compensation package and help you compete for talent in Florida's tight labor market.
What's Included
- Group health insurance (Florida Blue, Cigna, Aetna, UHC)
- Dental and vision insurance
- 401(k) retirement plan with low administrative fees
- Life and AD&D insurance
- Short-term and long-term disability
- Accident and critical illness insurance
- HSA and FSA administration
- COBRA administration and compliance
- Open enrollment management
- Employee benefits portal via Enwage
- ACA compliance and 1095-C reporting
- Dedicated benefits advisor
Frequently Asked Questions
Can a small Florida business afford group health insurance?+
Yes. Key HR's PEO model gives small Florida businesses access to group health insurance rates that are typically 15–30% lower than individual market rates. By pooling your employees with thousands of others, Key HR negotiates rates with major carriers that small businesses cannot access on their own.
Does Key HR offer 401(k) plans for small Florida businesses?+
Yes. Key HR offers a 401(k) retirement plan with institutional investment options and low fees. Key HR handles all plan administration, compliance testing, and Form 5500 filing. Offering a 401(k) is one of the most effective retention tools for Florida businesses competing against larger employers.
How does Key HR handle open enrollment?+
Key HR manages the entire open enrollment process: communicating plan options to employees, collecting elections through the Enwage platform, submitting enrollments to carriers, and reconciling billing. We also provide employee education materials to help your team make informed benefits decisions.
What happens to employee benefits if I leave Key HR?+
Key HR provides a transition plan for any client who decides to leave. We work with you to ensure continuity of coverage for your employees and provide all necessary documentation for transitioning to a new benefits provider. COBRA continuation coverage is available for employees during any transition period.