Small Business Employee Benefits
& HR in Troy, MI
Plan IV is a premier employee benefits consultancy and HR solutions provider for small businesses throughout Troy, Rochester Hills, and Oakland County. We specialize in designing tax-advantaged health plans, integrated payroll through PrimePay, and digital benefits administration via Ease. Our mission is to help Michigan employers attract top talent and maintain ACA compliance without the administrative burden of a large-scale HR department.
Strategic Workforce Solutions for Michigan Employers
In 2026, offering “just a health plan” is no longer enough to win the talent war in Metro Detroit. At Plan IV, we provide a grounded and decisive path to total workforce optimization.
Local Accountability: We are a brick-and-mortar agency located at 575 E. Big Beaver Rd, serving the Troy business district and the I-75 corridor.
Compliance Metric: We help you navigate the 2026 ACA Affordability Threshold (9.96%) to ensure your business avoids costly IRS Shared Responsibility penalties.
Tax Optimization: We identify federal tax credits for small employers (under 25 FTEs) that can cover up to 50% of your premium costs.
Integrated HR & Benefits Infrastructure
We remove “administrative friction” by connecting your benefits directly to your payroll and compliance workflows.
Looking for coverage for yourself or your family? Explore our Individual & Family Insurance Plans.
Small Business Benefit Trends
To stay competitive in the Troy market, your benefits package must reflect modern workforce expectations:
Level-Funded Health Plans: A predictable monthly cost with the potential for a “refund” in years with low claims—ideal for healthy small groups.
Financial Wellness & 401(k): Leveraging SECURE Act 2.0 credits to implement retirement plans with zero net cost for the first three years.
HSA & FSA Strategy: Reducing your FICA tax burden by up to 7.65% for every dollar employees contribute to tax-advantaged accounts.
Small Business Benefit Questions: Troy, MI
Do I have to provide health insurance to my employees in Michigan?
Under the ACA, Michigan employers with 50 or more full-time equivalent (FTE) employees are required to offer affordable coverage. However, even if you have fewer than 50 employees, offering a plan is a strategic tool for retention and may qualify you for the Small Business Health Care Tax Credit.
How does the Ease and PrimePay integration help my business?
This integration creates a “single source of truth.” When an employee changes their benefit election in Ease, the deduction is automatically updated in PrimePay. This eliminates the need for double-entry and ensures your payroll is always compliant and accurate.
Can I offer benefits to my remote or hybrid team in Oakland County?
Yes. Our digital platforms are designed for the modern workforce. Whether your team is in-office in Troy or working remotely in Rochester Hills, they can access their benefits, pay stubs, and HR documents through a single, unified mobile experience.
Plan IV works with small businesses throughout Troy and Oakland County, offering hands-on guidance for benefits and HR decisions.