Workers Comp (Pay As You Go)

ExcelPay, through our professional licensed insurance agent, offers a competitively priced Pay-As-You-Go Worker’s Compensation Insurance program.  Some of the advantages of Pay-As-You-Go include: No cash down payment required to activate coverage. Workers comp calculated and collected with each payroll.  There are no checks to write and no financing charges to incur. No unexpected surprises at audit time.  Since you are paying with each payroll, your annual policy will be current. ExcelPay will handle the annual workers comp audit.  You will be freed from this arduous, unpleasant task.   The best way to see if Pay-As-You-Go makes sense for your business is to let us prepare a no-obligation quote.  Check out our Pay-As-You-Go Information Sheet found on this page.

Pay As You Go Workers Comp (PDF)

Background Checks

Through our partnership with National Crime Search (NCS), ExcelPay offers instant and affordable background searches. Our partnership provides you with secure and instant access to a web-based national criminal and sex offender directory. This directory includes over 507 million criminal records covering all 50 states plus the District of Columbia.

We are committed to providing a high quality, low cost, complete solution tailored to meet your criminal background search needs. The system is fast and easy to use allowing for immediate results.

Our full service Background Solutions includes:

• Instant National Criminal Searches
• Multi-State Sex & Violent Offenders Search
• County Criminal History
• Motor Vehicle Records
• Employment Credit Reports
• Social Security Verification & Address Tracker
• Healthcare Industry Search Services
• Tenant Screening
• Volunteer Screening

Click here to access our background checks website.

HRSupport Center

ExcelPay provides anytime, anywhere access to critical human resource information to help you grow and protect your business. This online resource keeps you updated on the various state and local laws, giving you the guidance you need to make timely business decisions.  You have a cost-effective, reliable place to turn with your HR questions and issues including access to the latest HR news updates, an employee handbook creation tool, access to Federal and State forms, and sample employment letters.

At ExcelPay’s HR Support Center you will find the following:

Documents

• Employee Handbook, Job Descriptions & Policies
• Forms, Checklists, & Guides
• Letters & Articles

Knowledge & Resources

• 3 Minute HR Audit & Monthly HR PodCasts
• News, HR Dictionary, Q&A Database & Monthly Newsletter
• Business, Health & Safety Training
• Labor Law Posters
• Salary Reports

Employment Laws
All 50 states employment laws as well as all federal laws rewritten into 10th grade English.

HR On-Demand
Unlimited HR consultation for employee relationship issues, handbook creation and review, and document customization of forms letters job descriptions and more.

Click here to access ExcelPay’s HR Support Center

Click here to view a short video that explains the value and many benefits of HR Support Center

Pay Cards

In a perfect payroll world, all employees in an organization would have their own bank accounts and would proactively elect to receive their pay via direct deposit. However, the reality is that not every employee has a bank account or can easily open one for a variety of reasons. And, if you are an employer in the hospitality, restaurant, retail, or transportation sectors of our economy, a greater proportion of your workforce is likely to be part of the unbanked population.

Until recently, this situation presented a problem for employers that wanted to take advantage of the cost savings that can be achieved if they could just increase their use of the automated clearing house (ACH) system to initiate direct deposit transactions for their payroll disbursements. With the increased availability of paycards, employers now have a viable payment option they can use to electronically pay their unbanked workforce and achieve cost savings similar to those already realized with the use of direct deposit. In fact, both employers and their workers can share in the advantages that paycards offer.

Other advantages of paycard deployment and use for employers include:

• the reduction or elimination of bank service fees and account reconciliation costs, as well as stop payment fees for lost/stolen paychecks;
• initiating final wage payments to terminating workers via a paycard in lieu of having to physically provide a final paper paycheck to them in person or via overnight delivery;
• the elimination of escheatment liability for the employer, as it will be passed on to the financial institution that actually holds the employee’s funds; and
• by decreasing the total number of paper paychecks having to be produced and sent out by the organization to pay employees their wages, employers can significantly minimize their exposure to paycheck fraud.

Employee Benefits & 401k Plans

ExcelPay offers a complete range of Employee Benefit Plans through our licensed insurance agents, including: Health Insurance Dental Insurance (employer paid and voluntary coverage) Vision Insurance (employer paid and voluntary coverage) Group Term Life Insurance Voluntary Group Term Insurance Limited Benefit plans (for hourly and/or part-time employees) with guaranteed issue provisions without health underwriting questions. Pre-Tax Cafeteria plans with “large company discounts”, including supplemental insurance products such as: Short-Term Disability Cancer Accident Critical Illness Term and Universal Life   401(K) Plan ExcelPay has teamed up with TransAmerica Retirement Services and TAG Resources to offer our clients a low cost solution for their company’s retirement needs.  In 2004, TAG built one of the first open architecture MEP (Multiple Employer Plan) platforms in existence. This approach has been embraced by many of the largest franchises and associations in the country. Through TAG and TransAmerica Retirement Services, ExcelPay is able to offer to employers a plan that can help their employees succeed. Through the MEP environment, we are able to remove the traditional cost barriers that prevent many employers from offering a retirement plan to their employees, such as plan start up costs and annual administration charges. We can help mitigate risk and provide plan features that employers could not offer in a stand-alone plan. This unique solution gives you an opportunity to offer more to your employees. Please review the two PDF documents found on this page.  The first document explains the advantages of the MEP plan.  The second document compares the Responsibilities and Liabilities for the employer in a MEP plan versus a traditional employer 401(k) plan.

401K Plan Advantages (PDF)

401K Responsibilities & Liabilities Comparison (PDF)