Knowledge Center

Everything your business needs to know about
employee benefit packages, compliance,
and health care reform.







4 Ways Your Employees Aren’t Making the Most Out of Their 401(k) Investments

Using a 401(k) plan is a great way for your employees (or plan members) to invest in their retirement. But did you know that many members aren’t taking full advantage of investment opportunities? That means they’re missing out come retirement time. Here are 4 ways your 401(k) plan participants aren’t making the most out of their retirement plan.   1. Lack of education Many employees, depending on their experience with [...]

Do You Really Need Life Insurance Before You’re 30?

Along with getting a job right out of college, getting benefits set up, finding a place to live, paying your bills, and so on, you may be thinking to yourself: when is the right time to get life insurance? You likely already understand the importance of building up your savings account and getting great benefits at work, but what about life insurance? Is it best to wait until you have [...]

What You Need to Know About Purchasing Health Insurance in the Marketplace: 4 Steps for Success

If your employer doesn’t offer healthcare plans, or you aren’t eligible for one, the Healthcare Marketplace is your next step. When faced with choosing the right plan, the choices may seem overwhelming. Here are 4 steps for success when purchasing your health insurance. From using Open Enrollment to your advantage to determining your budget to keeping your network in mind to determining any additional products, we’ve got you covered as [...]

3 Important Reasons Why Your Company Should Be Offering Employees a 401(k)

Retirement plans are not only a great incentive for your employees, but they also offer big benefits for your company. 401(k), specifically, are a helpful way to do double duty for your business and your employees and, contrary to what you may have heard, they’re not just for big businesses. Help your employees and yourself prepare for retirement by implementing a 401(k) plan. Here are 3 important reasons why you [...]

3 Ways to Document 1099 Freelance Employees

Freelance employees offer your company a number of unique benefits, including the ability to complete small, specific projects with more agility than your full-time employees, without needing to pay for full-time employee benefits. If your business is considering hiring freelance employees, there are several areas you should be aware of. (Of course, you should always consult your CPA or insurance consultant about further specifics below.) Here are 3 ways to [...]

4 Benefits of Keeping Payment Processing & Merchant Services Simple

Have you struggled to find the right payment processing or merchant services vendor for your business? Whether you’re faced with fees that are too high for each transaction, difficulty receiving your money in a timely fashion, or issues with fraudulent charges, Heartland’s payment processing, and merchant services has the right fit for your business. Here are 4 benefits of keeping your payment processing and merchant services simple with Heartland for [...]