Benji Marrs
Sr. Benefit Consultant
Benji is a 1998 graduate of Transylvania University with a degree in Business Administration. Since joining Bim Group in 1999, Benji has primarily served large group employers across all industries to finance benefits – with an emphasis on improving the clinical health of employees and dependents. He achieved notable success with employers in the government and healthcare sectors. He focuses on identifying cost avoidance and risk mitigation opportunities, while developing multi-year strategic plans.
Recent Insights
ACA Affordability Threshold Increases to 10.22% for 2027
The IRS has announced that the Affordable Care Act (ACA) affordability threshold will increase to 10.22% for plan years beginning in 2027, up from 9.96% for 2026. The new percentage was established in IRS Revenue Procedure 2026-26. For applicable large employers (ALEs), generally those with at least 50 full-time and full-time equivalent employees, this percentage is […]
Read moreSBC vs. SPD: Understanding Two Required Health Plan Disclosures
READ TIME: 5 MINUTES Employers sponsoring ERISA-covered group health plans are responsible for providing several required participant disclosures. Two of the most important—and most often confused—are the Summary of Benefits and Coverage (SBC) and the Summary Plan Description (SPD). Although both documents help employees understand their health coverage, they serve different purposes and are required […]
Read moreEmployee Financial Wellbeing as a Retention Strategy
For years, employee financial wellbeing meant helping workers prepare for retirement. Today, that definition is expanding. Employees are navigating higher living costs, student loan debt, rising healthcare expenses, and economic uncertainty while trying to save for both short- and long-term goals. As financial stress follows employees into the workplace, employers recognize that financial wellbeing is […]
Read moreUnderstanding the Medical Loss Ratio
READ TIME: 7 MINUTES When employers purchase fully insured health coverage, they expect premium dollars to be used primarily for employee health care, not excessive administrative costs or insurer profits. One of the Affordable Care Act’s (ACA) lesser-known consumer protection provisions helps ensure that happens through the Medical Loss Ratio (MLR) requirements. The ACA established a nationwide […]
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