Good morning, Jordan.
Open enrollment closes Friday.
Your plan choices
Two plans to compare. About five minutes.
Core plan
$50.31
per paycheck
Enhanced plan
$66.00
per paycheck
Open enrollment, done from the truck.
We give West Metro contractors Employee Navigator: your crews enroll from their phones, and you run benefits from anywhere. Included with our brokerage.
6:04 a.m.
A text, not a meeting.
Enrollment opens with a text to every employee, in English or Spanish. No laptop, no conference room, no printed packet in the truck door.
6:07 a.m.
Plans compared in plain language.
Each plan shows what it covers and what it costs per paycheck, with your contribution already figured in. Switch to Español with one tap.
6:09 a.m.
Three taps to enroll.
Pick the plan, add dependents, sign with a finger. New hires do the same thing before their first day, from wherever they are.
6:11 a.m.
HR sees it land.
Every enrollment shows up on your dashboard as it happens. Deductions flow to payroll and elections flow to the carrier, without a spreadsheet.
Closes FriRidgeline Electric
Open enrollment
Enrollment progress
26 of 31 enrolled
84% of the crew
Recent activity
- Jordan M. enrolled in Core planpending
- Maria P. enrolled in Enhanced plan6:02 AM
- Devin T. invitation sent5:58 AM
Downstream
- Payroll deduction filewaiting
- Carrier feedqueued
- ACA trackingupdated
The demo simulates the enrollment steps with a sample company. Your Employee Navigator site carries your plans, your contribution and your branding.
One enrollment, everywhere it needs to go.
An election made on a phone in a parking lot reaches the carrier, payroll, COBRA administration and your ACA forms through Employee Navigator's connections. Nobody re-keys it.
83 payroll partners. 600+ integrations. Source: employeenavigator.com
Built for crews that never sit at a desk.
Electricians, plumbers, roofers and mechanical crews start early and finish far from the office. The tools we set up meet them there, and the office still sees everything.
Colorado changed the rules this year.
Three changes that reach a contractor's benefits budget in 2026, in plain English. We build every renewal around them.
January 1, 2026
Small group is now 1 to 50 employees.
SB24-073 moved Colorado's small-employer line from 100 down to 50. A contractor with 51 to 100 employees now buys in the large-group market at renewal, unless it keeps an existing small-group plan under the five-year transition.
Source: Colorado General Assembly, SB24-073
2026 premiums
FAMLI costs 0.88 percent of wages.
Colorado's paid family and medical leave premium is 0.88 percent for 2026, split evenly. Employers with 10 or more employees pay the 0.44 percent employer share, on wages up to $176,100 per employee.
Source: Colorado FAMLI Division
2026 enforcement
SecureSavings fines start this year.
Employers with five or more employees, two or more years in business and no retirement plan must run Colorado SecureSavings. The penalty is $100 per eligible employee per year, capped at $5,000, and the state has said enforcement begins in 2026.
Source: Colorado SecureSavings program
Three steps, one renewal.
- 1
Send us your renewal and census.
A photo of the renewal letter and a list of employees is enough to start. We come back with a market comparison in a few days.
- 2
We build your Employee Navigator site.
Your plans, your contribution, your branding, your payroll connection. We do the setup; you approve it.
- 3
Crews enroll from their phones. You watch it land.
We run the enrollment, answer the crew's questions in English or Spanish, and hand you a clean file for payroll and the carrier.
Nothing about your plans has to change. Just who runs them.
A one-page broker of record letter names us as your agency with the carriers you already use. Same plans, same rates, same ID cards. What changes is the platform, the service, and who picks up the phone at renewal.
Is Employee Navigator included?
Yes. We provide it to every client as part of our brokerage services: we build the site, load your plans and run the enrollment. We confirm the details for your headcount and plans during the walkthrough.
Does switching brokers change our coverage?
No. A broker of record letter changes the agency that services your account, not your plans, rates or carriers. It takes effect when the carrier processes it, usually within a few weeks.
What if we have 51 to 100 employees?
As of January 1, 2026, Colorado counts you as a large group at renewal. If you had a small-group plan before that date you can keep it for up to five years. We map both paths before your renewal.
Do crews need an app or a computer?
Neither. The enrollment link opens in the phone's browser, and there is a mobile app for people who want one. Screens are available in English and Spanish.
What does the demo cover?
About fifteen minutes: how your crews would enroll, what your dashboard shows, how deductions reach payroll, and what your renewal timeline looks like. Bring your renewal letter if you have it.
Which payroll systems connect?
Employee Navigator lists 83 payroll partners and more than 600 integrations across carriers and vendors. We confirm your exact payroll connection during setup.