Benefits for cleaning companies whose crews work other people's buildings at night

Ares Benefit Group works with cleaning and janitorial companies of about 2 to 50 employees. We compare a group plan, an ICHRA, and a QSEHRA for the people who are actually your employees.

How these companies actually staff

• Night crews and split shifts. Many people are part-time or work a short evening block at each building. Part-time eligibility is a central design question, not an edge case. A QSEHRA may exclude part-time employees; an ICHRA can be offered to a part-time class, or reserved for full-time supervisors, within the class rules.
• Multi-site work. Employees rarely sit near a single clinic. An ICHRA, where each person buys coverage where they live, is often a practical comparison to a group network built around the office.
• 1099 versus W-2. Some firms treat cleaners as contractors. Classification follows IRS rules. Benefits are for employees. A benefits plan is not a way to keep a misclassified crew off the books.
• Supervisors versus account crews. Hourly versus salaried, or full-time versus part-time, can be a permitted ICHRA split when you want a stronger offer for the people who run the accounts.
• Recruiting a stable crew. A specific offer can help you hire and keep supervisors and full-time cleaners. We will not invent turnover rates for this industry.

Structures we compare for a team this size

For a cleaning company this size, the first decision is usually who is eligible — supervisors only, or a wider hourly crew — and then whether a group plan, an ICHRA, or a QSEHRA fits that choice.

• SHOP and other group coverage, when you want one employer-sponsored medical plan and you can meet eligibility and participation rules.
• A level-funded arrangement, when a carrier offers one for your census. We compare it with fully insured group coverage and do not treat either as automatically better.
• An ICHRA, when you want a set contribution and employees choose individual coverage. Permitted classes include full-time, part-time, hourly or salaried, work location, and a waiting period. It is for employees, not for a self-employed owner.
• A QSEHRA, when you are not an applicable large employer and you are not offering a group health plan. See ICHRA vs QSEHRA if both are on the table.
• Section 125 for pre-tax employee premium contributions on a group plan. A QSEHRA cannot be funded by salary reduction.
• Group life and disability and voluntary benefits.

A company under 50 full-time employees, including full-time equivalents, is generally not required by federal law to offer health coverage. If you have fewer than 25 full-time equivalents and you meet the wage, contribution, and SHOP rules, look at the Small Business Health Care Tax Credit.

What to send us

A roster with hours, accounts or cities, and who you treat as W-2 versus contractor. If crews work in more than one state, list those states.

Tell us about your cleaning team

Our agents are licensed in all 50 states.