Escape the Community-Rating Pool with Propel PEO
Fewer than 10% of Professional Employer Organizations (PEOs) in the United States are certified by the IRS as Certified Professional Employer Organizations (CPEOs). 4As Benefits has a long-standing and robust partnership with Propel HR, an IRS Certified Professional Employment Organization (CPEO) for our 4As member agencies.
For advertising agencies with fewer than 50 eligible employees (100 in NY and CA), the community-rated marketplace can feel like being caught in a rising tide of healthcare costs with no way out. Traditional insurance markets group all small businesses together regardless of industry, forcing creative companies to share risk pools with completely unrelated businesses.
The 4As PEO solution offers a strategic alternative, allowing your agency to break free from community rating while gaining access to premium benefits and comprehensive HR support.
Through our partnership with Propel HR, 4As members gain access to Blue Choice (a Blue Cross Blue Shield company) Group Medical coverage.
This relationship with Propel HR provides your team with the national BCBS provider network while benefiting from Propel HR's master contract status that has historically delivered more stable renewals for participating employers.
Comprehensive Solution Beyond Healthcare
The Propel HR partnership delivers a complete suite of HR and benefits solutions:
- Premium Healthcare Access: Blue Cross Blue Shield national network coverage
- Streamlined Payroll Processing: Efficient systems designed for creative enterprises
- Integrated Time & Labor Management: Tools that respect agency workflows
- Expert HR Consultation: Guidance from professionals who understand agency dynamics
- Kronos HRIS Platform: Sophisticated HR technology with simplified administration
- COBRA/State Continuation Services: Compliant benefits administration
Seamless Integration with 4As Benefits
Your agency maintains full access to exclusive 4As Benefits programs within the PEO structure:
- 4As Captive Workers' Comp Program: Preserve your coverage and dividend eligibility
- 4As Group Insurance Trust: Maintain Life/Disability and Dental/Vision coverage
- 4As Retirement Trust: Continue access to high-performing investment options with reduced employer risk
A Partnership Built on Trust
If previous PEO experiences left your agency underwhelmed, rest assured that our Propel HR relationship is different. We've created a genuine partnership focused on delivering exceptional value to advertising agencies, transforming what could be a transactional relationship into a strategic advantage for your business.
Contact Paul Corkery: pcorkery@4asbenefits.com or 704-594-6278 for a customized quote tailored to your agency's specific needs.
