Small Group  


A small group business is defined as an employer with up to 100 full-time equivilant employee's. 

Most carriers will require that there be at least 1 full time enrolled w-2 employee to be considered eligible and that employee cannot be the owner or the spouse of the owner. (Some exceptions apply)







Compliance and Reporting for Small Groups

Compliance from TASC  


Only groups with 100 participants or more must File 5500




 Reasons to start Group Coverage for your business                         

  • Some carriers allow $0 contribution from Employer

  • Not all employee's need to elect coverage

  • Plans can become effective all year long

  • Larger networks available, better plan benefits.

  • Small business tax credits

  • Employer benefits entice quality workers



Reasons to Start an Ichrasystem for your business

  • All Carriers can be offered to all group sizes
  • Allows employee's to choose different Metallic leveled plans or Medicare from any carrier in their home zip code.
  • PreTax dollars to pay for premiums
  • Ichra's create a special enrollment period
  • Rates for individual plans are lower than group rates
  • All employee's can be offered benefits.  Part time or seasonal employees included

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If you would like a quote for you business, please contact us at 303-660-5458, or


We will need the dates of birth of all your full time employee's and their dependents if they want them included on the quote.  Address and contact info for your business, type of business, type of insurance wanted and if you currently have coverage then the name of your current carrier.




Kennedy Insurance, Inc.  Castle Rock, CO  80109  Local:  303-660-5458   Fax:  800-640-4623 Email