Harmony Brings It All Together For Small Businesses


SBAM understands how difficult it can be for small businesses to get the support they need when managing complex employee benefits. We’ve built our products and services with these challenges in mind.

We’ll keep you up to speed with compliance changes and offer you a great selection of Insurance and HR-related products you need to attract and retain talented employees so you can focus on running your business.

We’ve been here a long time, and we can help you navigate through the chaotic world of insurance and compliance with happy and successful results.


Insurance Billing & Enrollment

Beginning Jan 1st, SBAM will take over the billing and enrollment for our sponsored Blue Cross Blue Shield, Blue Care Network and Dearborn Life Insurance Company coverage. 

Our team will help you with the following services: 

  • Monthly group premium invoice questions
  • Employee enrollment changes
  • Evidence of insurability
  • Premium payment collection and allocation
  • Premium payment remittance
  • Life and Disability claims

1-877-949-SBAM (1-877-949-7226)

Learn more about Billing and Enrollment
Summary Plan Descriptions

You simply combine your basic plan information with the legal pages we provide and the SPD document is ready for distribution to all insured employees.  Your company will be compliant with the rules and regulations of the DOL.

Learn more about SPDs
COBRA Administration

Your personal COBRA Coordinator sends all necessary letters and notifications, provides a monthly activity report and online access to your account, and collects premium payments from the COBRA-enrolled beneficiaries.

Learn more about COBRA
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Insurance

Our affordable and flexible plans allow you to offer a complete medical, dental, vision, life and disability package that will save time and money while reducing the hassles of offering employee benefit plans.

Learn more about Insurance
Payroll & HR Solutions

Our partner, Ahola, connects you with isolved – the comprehensive solution that truly consolidates your payroll, HR, time and benefits enrollment. By bringing the essential functions of payroll and HR together in a unified technology, Ahola simplifies your people management. All the critical functions are in one database so you no longer have to deal with exporting, importing or clunky integrations.

Learn more about Payroll
Premium Only Plan, FSA, HSA and HRA Administration

With the cost of health insurance continuing to rise, most employers ask their employees to share in the cost of health insurance through premium sharing, deductibles and co-insurance.  With SBAM’s flexible benefit plan administration in place, both you and your employees save through tax-preferred methods.

Learn more about Administration
Ask an Expert

When you join SBAM at a Premium level membership or higher, you gain access to our Ask An Expert web portal for answers to all your HR and Legal Questions. Our partners, American Society of Employers and Taylor English, are trusted experts that you can rely on for accurate, timely information.

Learn more about Ask an Expert

Savings on Workers’ Compensation

SBAM’s Accident Fund program provides an upfront 5% premium discount, and the program is dividend eligible. Dividend eligibility simply means that if the comparison of our premiums earned versus claims paid falls into the right range, then you get money back. We’re pleased to tell you that our enrolled members are receiving a 2% dividend payment this year!

The discounted workers’ compensation rates and dividend program available through Accident Fund is a great example of how SBAM, and the buying power of our thousands of members from across Michigan, can benefit your company. The savings you receive are well above the amount you pay for the cost of an SBAM annual membership.

Learn more.

Pooled Employer Retirement Plan

Take a look at our Pooled Employed Retirement Plan powered by TAG Resources, Transamerica, and Graystone Consulting, a business of Morgan Stanley.  The program is cost effective and outsources employer administration and liability.  We’ve negotiated exclusive savings for our members including:

  • Additional $500 annual credit for three years when a business establishes a retirement plan with automatic enrollment.
  • No initial set up fees.
  • Start up plans may be eligible for up to $5,000 tax credit to cover the TAG annual administrative fee (for 3 years).
Learn more about Retirement