Group Benefits
Without the Runaround.
Small businesses deserve a broker who picks up the phone, shows up at open enrollment, and stays engaged all year — not just at renewal time.
A Benefits Broker Who Actually Shows Up
We built Garden State Benefits around one simple idea: small businesses deserve the same level of service as big corporations — and a broker who's genuinely invested in their success.
You Call, Paul Answers
No phone trees, no hold music, no assistant taking a message. When you call, you get your broker directly. That's how it should be.
Year-Round Partnership
We don't disappear after open enrollment. We're here for claims questions, employee changes, mid-year check-ins, and everything in between.
Open Enrollment Done Right
We show up. Employee meetings, benefit guides, one-on-one Q&A — we handle it all so your team actually understands and uses their benefits.
Small Business Specialists
We understand tight budgets and the pressure of competing for talent. We find plans that actually work — for you and for your employees.
Comprehensive Group Benefits for Your Team
From foundational medical coverage to voluntary benefits employees actually want — we build the package that fits your business and your budget.
Medical Insurance
The foundation of any strong benefits package. We shop the market across major carriers to find the right plan for your team size, health needs, and budget — HMO, PPO, HDHP, and everything in between.
Dental Insurance
From preventive care to major work — quality dental coverage keeps your team healthy and your costs predictable. Preventive, basic, and major services with clear cost-sharing.
Vision Insurance
Affordable vision plans that employees actually use and appreciate. Exam coverage, frames, lenses, and contacts — a high-value benefit at a low cost per employee.
Life Insurance
Group term life is one of the most valued benefits you can offer — and more affordable than most employers expect. Give your team peace of mind for their families.
Voluntary Benefits
Accident, critical illness, hospital indemnity, disability, and more. Employee-paid options that add real financial protection at zero cost to your business.
Ready to Build Your Package?
Let's talk about what your team needs and what fits your budget. No pressure, no jargon — just straightforward guidance.
Get a Free QuoteA Benefits Partner, Not Just a Salesperson
Our process is built around your business — not a sales script. Here's what it looks like to work with Garden State Benefits.
Discovery
We learn your business — your team size, budget, goals, and what your employees actually need. No forms, just a conversation.
Plan Design
We shop multiple carriers and present options with clear, side-by-side comparisons. No jargon, no pressure. You choose what's right for you.
Open Enrollment
We handle enrollment meetings, employee education sessions, benefit guides, and all the paperwork. We show up so you don't have to manage it alone.
Year-Round Support
Mid-year check-ins, claims help, compliance updates, and a direct line to Paul — all year long. We're your partner, not just your broker at renewal.
Individual & Family Plans
Whether you're self-employed, between jobs, aging off a parent's plan, or simply looking for coverage outside of work, we can help you find the right fit — without the confusion of going it alone.
We work with both ACA marketplace plans and off-marketplace options, and can layer in supplemental coverage like dental, vision, and gap insurance to build a complete picture of protection.
- ACA Marketplace plans with subsidy guidance
- Off-marketplace individual health plans
- Short-term and supplemental coverage
- Dental, vision & critical illness riders
- Medicare supplement & gap plans
Licensed Across 26 States
We're licensed to help businesses and individuals across the country. Wherever your team is located, we can help.
Don't see your state? Contact us — our network is growing.
Ready to Build a Benefits Package Your Team Will Love?
Call Paul directly at 856-880-6340 or fill out the form below. No phone trees, no waiting rooms — just a real conversation.
What Our Clients Say
Real feedback from real small business owners. We let our service speak for itself.
"Perfect, informative & a huge relief in my stress on getting health insurance. Paul Olah went above and beyond to give me options and direct me in decision making. I'm very fortunate I found him for my health needs. BRAVO!!"
"Paul Olah was a huge help to me when working to switch insurance plans. He was responsive, professional, and helped me find a plan to suit my needs. Highly recommend."
"I was very happy with the advice and guidance from Paul at Garden State Benefits and referred him to several friends and colleagues. Very helpful and professional!"