Benefits Readiness Analyzer

Why This Matters

Benefits are the #2 retention driver — and most small businesses wait too long to offer them.

The pattern is predictable: a growing SMB keeps deferring benefits ("we'll add health insurance when we hit 20 people... 30 people... after we close this deal"). Meanwhile, the company loses good hires to competitors who offer coverage, and loses existing employees who outgrow a benefits-free workplace as their lives get more complicated.

Gusto launched a Benefits Advisor tool in September 2025 to help accountants identify which clients are ready for benefits — but only for Gusto clients. The accountant with a client on ADP or Paycom is on their own.

💡 Your moment: You're the one with visibility into the full picture — payroll costs, revenue, growth trajectory, turnover rate. You can see which client is ready for benefits before they ask. Being the accountant who proactively says "I ran the numbers and I think you're ready for a health plan — here's what it would cost and what it would save" is a career-defining kind of service.

Benefits Readiness Score

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/100

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Employees

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ACA Status

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Est. Annual Benefits Cost

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Cost as % of Revenue

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Benefit-by-Benefit Analysis

Benefits cost estimates: KFF Employer Health Benefits Survey 2023, SHRM Employee Benefits Report 2023, BLS National Compensation Survey. ACA thresholds per IRS guidance (50 FTE = large employer mandate). SHRM data on benefits ROI and retention impact.

Benefits are the #2 retention driver — and most small businesses wait too long to offer them.

Step 1 — Company Profile

Step 2 — Current Benefits Status

Step 3 — Workforce Context

Benefit-by-Benefit Analysis

The ROI Conversation — Talking Points for Your Client