Benefits

All-in-one, automated benefits.

All-in-one, automated benefits.

Using a PEO like Pando for group benefits, can yield significant cost savings for businesses. We have a distinct advantage of pooling our groups together, allowing us to negotiate better rates and terms with insurance providers. This translates to lower group health insurance premiums, reduced administrative costs associated with benefits enrollment, and more competitive retirement and wellness program options. Moreover, we have dedicated benefits specialists who can guide you and your business in designing cost-effective benefit packages tailored to your workforce. By partnering with a Pando for group benefits, companies not only control their benefit expenses more effectively but also gain access to a wider range of benefits and services that might have otherwise been financially out of reach, making it a smart and budget-conscious choice for businesses of all sizes.

Easily accessible plan designs

  • Blue Cross Blue Shield
  • Fully insured, Pando PEO aggregated plan
  • Multiple PPO and H.S.A. plan designs

Simplified renewal

  • Single January 1st renewal
  • Underwritten individually upon entry, but single group renewal

Flexible options

  • Four-tiered rate bands based upon group demographics
  • Pooled product with a Premium Stabilization fund that aggregates every dollar if the Pooled Loss Ratio is less than 80%
  • Allows groups under 50 employees to leave the community rated state pool with a different rate for every employee and go back to a simple four-tiered rate based upon employee only, employee + spouse, employee + child(ren), and full family

Major Medical Benefits

Major Medical Benefits

Easily accessible plan designs

  • Blue Cross Blue Shield
  • Fully insured, Pando PEO aggregated plan
  • Multiple PPO and H.S.A. plan designs

Simplified renewal

  • Single January 1st renewal
  • Underwritten individually upon entry, but single group renewal

Flexible options

  • Four-tiered rate bands based upon group demographics
  • Pooled product with a Premium Stabilization fund that aggregates every dollar if the Pooled Loss Ratio is less than 80%
  • Allows groups under 50 employees to leave the community rated state pool with a different rate for every employee and go back to a simple four-tiered rate based upon employee only, employee + spouse, employee + child(ren), and full family

Major Medical Benefits

Major Medical Benefits

Easily accessible plan designs

  • Blue Cross Blue Shield
  • Fully insured, Pando PEO aggregated plan
  • Multiple PPO and H.S.A. plan designs

Simplified renewal

  • Single January 1st renewal
  • Underwritten individually upon entry, but single group renewal

Flexible options

  • Four-tiered rate bands based upon group demographics
  • Pooled product with a Premium Stabilization fund that aggregates every dollar if the Pooled Loss Ratio is less than 80%
  • Allows groups under 50 employees to leave the community rated state pool with a different rate for every employee and go back to a simple four-tiered rate based upon employee only, employee + spouse, employee + child(ren), and full family

Major Medical Benefits

Easily accessible plan designs

  • Blue Cross Blue Shield
  • Fully insured, Pando PEO aggregated plan
  • Multiple PPO and H.S.A. plan designs

Simplified renewal

  • Single January 1st renewal
  • Underwritten individually upon entry, but single group renewal

Flexible options

  • Four-tiered rate bands based upon group demographics
  • Pooled product with a Premium Stabilization fund that aggregates every dollar if the Pooled Loss Ratio is less than 80%
  • Allows groups under 50 employees to leave the community rated state pool with a different rate for every employee and go back to a simple four-tiered rate based upon employee only, employee + spouse, employee + child(ren), and full family

Major Medical Benefits

Easily accessible plan designs

  • Blue Cross Blue Shield
  • Fully insured, Pando PEO aggregated plan
  • Multiple PPO and H.S.A. plan designs

Simplified renewal

  • Single January 1st renewal
  • Underwritten individually upon entry, but single group renewal

Flexible options

  • Four-tiered rate bands based upon group demographics
  • Pooled product with a Premium Stabilization fund that aggregates every dollar if the Pooled Loss Ratio is less than 80%
  • Allows groups under 50 employees to leave the community rated state pool with a different rate for every employee and go back to a simple four-tiered rate based upon employee only, employee + spouse, employee + child(ren), and full family

Major Medical Benefits

Easily accessible plan designs

  • Blue Cross Blue Shield
  • Fully insured, Pando PEO aggregated plan
  • Multiple PPO and H.S.A. plan designs

Simplified renewal

  • Single January 1st renewal
  • Underwritten individually upon entry, but single group renewal

Flexible options

  • Four-tiered rate bands based upon group demographics
  • Pooled product with a Premium Stabilization fund that aggregates every dollar if the Pooled Loss Ratio is less than 80%
  • Allows groups under 50 employees to leave the community rated state pool with a different rate for every employee and go back to a simple four-tiered rate based upon employee only, employee + spouse, employee + child(ren), and full family

  • Ameritas & MetLife
  • Pooled Dental & Vision product with stronger benefits and economies of scale aggregated pricing
  • Pooled Life insurance, Voluntary Life, Short Term Disability and Long Term Disability
  • Executive Life insurance and Disability for the Executive group of every Pando Member Organization

Ancillary Benefits

Ancillary Benefits

  • Ameritas & MetLife
  • Pooled Dental & Vision product with stronger benefits and economies of scale aggregated pricing
  • Pooled Life insurance, Voluntary Life, Short Term Disability and Long Term Disability
  • Executive Life insurance and Disability for the Executive group of every Pando Member Organization

Ancillary Benefits

Ancillary Benefits

  • Ameritas & MetLife
  • Pooled Dental & Vision product with stronger benefits and economies of scale aggregated pricing
  • Pooled Life insurance, Voluntary Life, Short Term Disability and Long Term Disability
  • Executive Life insurance and Disability for the Executive group of every Pando Member Organization

Ancillary Benefits

  • Ameritas & MetLife
  • Pooled Dental & Vision product with stronger benefits and economies of scale aggregated pricing
  • Pooled Life insurance, Voluntary Life, Short Term Disability and Long Term Disability
  • Executive Life insurance and Disability for the Executive group of every Pando Member Organization

Ancillary Benefits

  • Ameritas & MetLife
  • Pooled Dental & Vision product with stronger benefits and economies of scale aggregated pricing
  • Pooled Life insurance, Voluntary Life, Short Term Disability and Long Term Disability
  • Executive Life insurance and Disability for the Executive group of every Pando Member Organization

Ancillary Benefits

  • Ameritas & MetLife
  • Pooled Dental & Vision product with stronger benefits and economies of scale aggregated pricing
  • Pooled Life insurance, Voluntary Life, Short Term Disability and Long Term Disability
  • Executive Life insurance and Disability for the Executive group of every Pando Member Organization