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Small Business Members

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.

Brochures & Forms

Everything you need to enroll in our Harmony HR, Insurance & Compliance products and services including Dearborn Life Insurance Company, COBRA administration, and Section 125 administration.

Brochures & Forms

Freshdesk Customer Service Portal

Freshdesk is SBAM’s new cloud-based customer service software that provides our members and their insurance agents with helpdesk support that includes smart automations that will help to get things done faster!

Simply create a login  and submit a ticket for any SBAM-related insurance billing and enrollment question.

Get Started Now!

Billing & Enrollment Customer Care

SBAM handles all the billing and enrollment for our sponsored Blue Cross Blue Shield, Blue Care Network and Dearborn Life Insurance Company coverage for only $7.50 per month. 

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

Billing & Enrollment Customer Service:
1-877-949-SBAM (1-877-949-7226)

Premium checks should be made payable to: SBIS (Small Business Insurance Services) and mailed to our new lockbox address: PO Box 19166, Kalamazoo, Michigan 49019-9810.

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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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.

The savings you receive are well above the amount you pay for the cost of an SBAM annual membership. Get a quote today!

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