Fostering a Sense of Community at Liberty
At The Liberty Company Insurance Brokers, we believe connection is the backbone of a strong culture. In an industry often known for competition and complexity, we lead with something simple: community. It’s a principle that shapes how we collaborate, support one another, and serve our clients with care. This blog explores how Liberty fosters connection—not just within […]
Growth Through Grit: The Liberty Model of Success
At The Liberty Company Insurance Brokers, success isn’t measured by size alone—it’s measured by sustainability, integrity, and grit. Over the past several years, Liberty has emerged as one of the fastest-growing independent insurance brokerages in the country. But behind that growth is something more powerful than numbers: an unwavering commitment to doing things the right way, even when it’s not the easy way. […]
Part 2: What California Employers Can Do About Rising Workers’ Comp Costs
Turning Rising Rates Into an Opportunity for Improvement With California’s workers’ comp rates climbing, many employers feel the pressure but rising premiums don’t have to mean rising total costs. In fact, rate changes often highlight opportunities to strengthen safety culture, claims management, and overall program performance. In this second part of our series, we’ll explore […]
Employer Focus: Benefit Compliance Newsletter for Employers | Q4 2025
In This Issue 4th Quarter Benefit News Highlights 1 – ICHRA Affordability – Updated Premium Look-Up Table The affordability of an ICHRA is tied to the lowest cost silver plan available on the public Exchange/Marketplace. The rates vary based on an employee’s worksite or residence, so CMS publishes premium data via a Look-Up Table for […]
Driving Private Equity Value through Supply Chain Optimization
Is your business missing out on millions by overlooking supply chain efficiency? What if unlocking massive value in M&A deals was easier than you think? In this episode, Mert Erkan, Vice President of Efficio Consulting, joins Patrick Stroth to reveal how procurement and supply chain transformations drive game-changing results for both private equity and strategic […]
What Type of Retirement Plan Should My Business Implement? – Part 8
The Benefits of Saving in a Retirement Plan or IRA Why should someone save in an IRA or a retirement plan, instead of a regular savings account? Individual Retirement Accounts (IRAs) and retirement plans provide tax advantages that a regular savings account does not. There are two types of tax advantages: Pre-tax: Making a traditional IRA contribution or pre-tax 401(k) […]
What Type of Retirement Plan Should My Business Implement? – Part 7
Safe Harbor 401(k) Plan Basics A safe harbor 401(k) plan is simply a 401(k) plan that includes a safe harbor feature. There are a few options when it comes to the safe harbor feature, but by electing this feature, the employer commits to making minimum contributions to their employees. This is a very popular feature […]
What Type of Retirement Plan Should My Business Implement? – Part 6
SIMPLE 401(k) Plan Basics A SIMPLE 401(k) plan is a combination of a regular 401(k) plan and a SIMPLE IRA. When would a business choose this plan over a SIMPLE IRA or regular 401(k) Plan? NOT OFTEN. The SIMPLE 401(k) doesn’t provide meaningful advantages when compared to the SIMPLE IRA or 401(k) plan SIMPLE 401(k) vs […]
What Type of Retirement Plan Should My Business Implement? – Part 5
SIMPLE IRA Plan Basics A SIMPLE IRA plan allows employees to make contributions to a retirement plan from their pay just like a 401(k) plan, but the maximum deferral amount is lower ($17,000 vs $24,500.) Why would a business choose this plan over a 401(k) Plan? Usually because of the ease of getting this type of plan started and its typically low […]
What Type of Retirement Plan Should My Business Implement? – Part 4
401(k) Plan Basics A 401(k) plan allows employees to make contributions to a retirement plan from their pay. This is called a 401(k) deferral because instead of receiving all of their pay, the employee directs the employer to deposit a portion of their pay in the retirement plan. Saving in this way helps the employee accumulate […]