- Providing world class service and value for employee benefit group plans since 1987
The business landscape in Wilmington, North Carolina, continues to grow, with thriving sectors such as healthcare, education, manufacturing, and financial services. As the competition for skilled professionals intensifies, offering robust employee benefits has become a necessity for employers rather than just an optional perk. According to the U.S. Bureau of Labor Statistics (2024), over 70% of private industry workers in the country have access to employer-sponsored healthcare, and in competitive regional markets like Wilmington, this figure is steadily rising.
Offering a reliable group health insurance plan doesn’t just help employers stay competitive—it also builds a healthier, more loyal, and more productive workforce. At Taylor Benefits Insurance, we specialize in designing comprehensive, affordable group health insurance and employee benefit plans for businesses throughout Wilmington. Our goal is to help employers support their teams while managing costs and meeting regulatory requirements.
Wilmington businesses are recognizing that employee benefits aren’t just about compensation—they’re a key component of company culture and long-term success. Whether you’re a local startup or a well-established company, offering health coverage helps attract top talent, reduce employee turnover, and boost overall morale.
Here’s why investing in group health insurance in Wilmington makes business sense:
Retention and recruitment: Benefits are a top factor when employees consider a new job or decide to stay with their current employer.
Reduced absenteeism: Preventive care and accessible healthcare help employees stay healthier and work more consistently.
Lower tax burden: Employer-paid premiums are typically tax-deductible, providing financial relief for businesses.
Compliance assurance: With the Affordable Care Act (ACA) and other federal mandates, offering group plans helps businesses stay compliant.
Taylor Benefits Insurance helps Wilmington employers understand their options and select plans that work best for their team and budget.
No two companies are the same, which is why we offer fully customized group health insurance plans. At Taylor Benefits, we evaluate your company size, budget, and goals to build a tailored plan that offers real value to your employees.
Here are the main types of group plans available to Wilmington businesses:
PPOs offer flexibility, allowing employees to choose their own healthcare providers without needing referrals. These plans are popular among companies who want to provide employees with access to a wider network of doctors and specialists.
HMOs are a more cost-effective option, typically requiring employees to see providers within a set network and get referrals for specialists. For businesses focused on lowering premiums and simplifying healthcare access, this is often the preferred choice.
HDHPs are ideal for healthier employees or younger workforces. Paired with a Health Savings Account (HSA), these plans let employees save money tax-free for medical expenses while enjoying lower monthly premiums.
Larger businesses in Wilmington may benefit from self-funding, where the employer pays claims directly rather than paying fixed premiums. This model allows greater control and can result in cost savings over time with careful planning.
No matter your preference, our team at Taylor Benefits walks you through the details and helps you weigh the advantages of each plan type so you can make an informed decision.
Health insurance is just the beginning. A well-rounded benefits package includes various support systems that contribute to your employees’ physical, mental, and financial wellness. Wilmington employers looking to improve engagement and loyalty should consider offering these additional benefits:
These plans provide access to preventive services like dental cleanings and vision exams, as well as coverage for procedures like fillings, crowns, glasses, or contact lenses. Regular dental and vision care improves overall health and prevents costly future complications, helping employees stay focused and productive.
Group life insurance policies offer affordable financial protection for employees’ families in the event of death. Whether term life or whole life, these policies provide peace of mind and are especially valuable in industries where risk is a factor.
This benefit protects employees from income loss due to illness or injury. Short-term disability covers temporary conditions, while long-term disability provides extended coverage in the event of a serious medical issue. Both are essential to employee financial security and are appreciated by workers of all ages.
Offering retirement plans helps employers foster long-term relationships with their teams. A 401(k) or SIMPLE IRA allows employees to save for retirement through payroll deductions, and employer contributions (matching or non-elective) serve as added incentives.
EAPs offer confidential support for mental health, substance abuse, legal issues, and financial concerns. Providing access to counseling and guidance services shows employees that their well-being is valued beyond their work performance.
These benefits help employers in Wilmington build a complete benefits package that supports the whole employee, leading to greater job satisfaction and improved retention.
Some of our group health insurance and employee benefits plan options that you can access include the following:
Providing group health insurance also helps you meet legal obligations under federal and state regulations. North Carolina employers must consider:
ACA requirements: Businesses with 50 or more full-time employees must provide minimum essential coverage or face penalties.
COBRA continuation: Employers must offer continuation of coverage for eligible employees who leave the company or reduce hours.
State-specific mandates: North Carolina law requires certain mental health and maternity coverage based on group size.
Taylor Benefits helps you stay compliant year-round. We provide updates on changing laws, assist with filing deadlines, and ensure all benefits offered are legally sound and up to date.
Taylor Benefits Insurance has over 30 years of experience working with businesses across the U.S., including in growing communities like Wilmington. Our reputation is built on transparency, education, and personalized support.
Here’s what Wilmington businesses can expect from partnering with us:
Plan comparisons from top carriers: We shop from multiple providers to find the best price and coverage.
Custom plan designs: Whether you have 10 or 1,000 employees, we build a plan that fits your company’s goals.
Ongoing support: From enrollment to renewal, we offer responsive assistance to ensure your plan runs smoothly.
Annual reviews: Each year, we re-evaluate your plan to optimize benefits and control costs.
We serve as your strategic partner, making sure your employee benefits plan aligns with both your company goals and your employees’ expectations.
In a city like Wilmington, where the workforce is diverse and business growth continues to surge, having the right group health insurance and employee benefits plan is more important than ever. It’s not just about keeping up—it’s about leading.
Taylor Benefits Insurance is here to make that process simple and effective. Whether you need a fully customized plan or just want to enhance your current offerings, we’re ready to guide you toward better coverage, better value, and a better future for your team.
Contact Taylor Benefits Insurance today at 800-903-6066 for a free consultation and custom quote. Let us help you create a benefits strategy that strengthens your business and supports your employees for years to come.
Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.
Todd Taylor with Taylor Benefits gives our small business the kind of personal service we need. Insurance benefits are important to our employees and Todd helps us find a balance between benefits and value. Todd responds immediately to my phone calls & e-mails. He has even gotten in touch with me on a Sunday when we were in need of coverage answers immediately. We are very pleased with the hands-on service Todd and his staff provide.”
-Ken and Linda Orvick, Orvick Management Group, Inc.
We’re ready to help! Call today: 800-903-6066