234 5th Ave #501, New York, NY 100016
Employee Benefits Broker in Cherry Hill, PA
Advisory for Cherry Hill
employers navigating one of the most aggressive local compliance environments in the country — on top of Pennsylvania's own requirements.
Cherry Hill employers shopping for an employee benefits broker occupy an interesting position in the Philadelphia metro: technically across the Delaware River in New Jersey, yet deeply tied to a Pennsylvania-dominated talent pool that commutes through the Ben Franklin and Walt Whitman bridges daily. That geographic reality means Cherry Hill businesses often recruit in competition with both Philadelphia and southern New Jersey employers - facing multi-state compliance considerations that catch many brokers off guard. Combs & Company serves Cherry Hill employers from its headquarters at 234 5th Ave, Suite 501, in New York City, bringing a corridor-wide perspective shaped by two decades of advising companies with 1 to 500 employees. With PPACA Certified Advisors, a 95% annual client retention rate, and carrier relationships built for multistate workforces, Combs & Company understands the specific pressures facing Cherry Hill businesses that draw talent from Camden County, Philadelphia, and beyond.
Cherry Hill and Pennsylvania Compliance — Two Layers, One Payroll
Cherry Hill sits in a regulatory environment defined by New Jersey state law - but employers here cannot afford to ignore the neighboring Pennsylvania framework. Many Cherry Hill companies employ workers who split time between New Jersey and Pennsylvania offices, or recruit heavily from across the river. That cross-state exposure creates layered compliance obligations that go beyond what either state mandates on its own.
Cherry Hill paid sick leave expanded significantly under the POWER Act
New Jersey's earned sick leave law requires employers of all sizes to provide up to 40 hours of paid sick leave per benefit year to all employees working in the state. Unlike Pennsylvania, which has no statewide sick leave mandate, New Jersey's requirement applies universally - meaning Cherry Hill employers cannot apply a single policy uniformly to their entire workforce if some employees regularly work in Pennsylvania. Qualifying reasons for leave include the employee's own illness, care for a family member, school-related emergencies, and public health emergencies. The law defines family member broadly and includes domestic partners. Employers must provide notice of rights and maintain records of accrual and usage. The New Jersey Department of Labor has actively enforced this law since its 2018 enactment, and employers who fail to comply face penalties and employee restitution obligations.
Pennsylvania does not mandate paid sick leave statewide
The compliance gap between New Jersey and Pennsylvania creates an administrative challenge that is especially relevant for Cherry Hill employers. Workers based in Cherry Hill accrue paid sick leave under New Jersey law. But employees of the same company who regularly cross into Pennsylvania - including those who work regularly in Philadelphia - may encounter different accrual triggers. Managing a workforce whose members work on both sides of the Delaware River requires precise tracking systems and benefits policies that account for which state's rules apply on any given day. For a suburban employer near the Haddonfield Road corridor or the Marlton Pike business district, this is an operational reality, not a theoretical concern.
The Wage Payment and Collection Law directly affects benefits administration
Pennsylvania's Wage Payment and Collection Law, one of the strictest in the country, governs how employers can handle wage deductions - including those tied to employee benefits contributions. Every benefits deduction requires specific, signed written authorization from the employee. A general acknowledgment buried in an onboarding packet does not satisfy this requirement. Non-compliance triggers automatic liquidated damages equal to 25% of the wages owed, plus mandatory attorney's fees, and there is no good-faith defense available. For Cherry Hill employers who have staff working in Pennsylvania offices or job sites, this law is directly applicable. Benefits administrators must treat every enrollment change and every contribution adjustment as a documentation event - particularly because the WPCL defines wages to include fringe benefits and wage supplements.
Pennsylvania's CROWN Act took effect January 24, 2026
New Jersey's CROWN Act - the Create a Respectful and Open Workplace for Natural Hair Act - prohibits discrimination based on hair texture and protective hairstyles as an extension of race. Cherry Hill employers subject to the New Jersey Law Against Discrimination must ensure that workplace policies and benefit plan administration practices do not create disparate treatment based on these characteristics. While not a direct benefits regulation, it reflects a broader pattern of expanding workplace protections in New Jersey that employers need to monitor as part of their overall compliance posture.
The Pennsylvania Human Relations Act covers smaller employers than federal law
The New Jersey Law Against Discrimination applies to employers with one or more employees - a notably low threshold that means virtually every Cherry Hill business carries anti-discrimination compliance obligations from the moment it hires its first person. This is a significantly broader reach than the 15-employee minimum under federal Title VII, and Cherry Hill's mix of small retail operations, professional service firms, and mid-size logistics and healthcare employers means this threshold affects a large share of the local business community.
ACA employer shared responsibility applies fully
Applicable Large Employers operating in or around Cherry Hill must comply with ACA reporting requirements, including accurate filing of Forms 1095-B and 1095-C. New Jersey has its own individual health insurance mandate - distinct from the federal ACA - requiring residents to maintain minimum essential coverage or pay a state penalty. Cherry Hill employers should be aware that employees who lack adequate coverage may face New Jersey state penalties, which can affect workforce satisfaction and create friction in benefits enrollment conversations. Variable-hour employees in Cherry Hill's retail, distribution, and healthcare sectors require particularly careful measurement period tracking.
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Benefits Services for The Cherry Hill Employer Landscape
Cherry Hill's economy has its own distinct character within the South Jersey and Greater Philadelphia metro. The town is a major commercial hub for Camden County, anchored by the Cherry Hill Mall - one of the oldest enclosed shopping centers in the country - and a dense corridor of professional services, healthcare practices, and financial services firms along Route 70 and Haddonfield Road. Major healthcare employers including Cooper University Health Care and Virtua Health draw professional talent from across the region. The proximity to Philadelphia also means Cherry Hill employers compete for the same skilled workers being recruited by Penn Medicine, Jefferson Health, and major Center City firms, making benefits design a real differentiator in talent conversations.
Combs & Company builds employee benefits programs for Cherry Hill employers that reflect this competitive local market. Medical plan design accounts for carrier networks with strong coverage across both New Jersey and Pennsylvania providers - critical for a workforce that may seek care on either side of the Delaware River. Dental and vision benefits are structured as core compensation components, consistent with what candidates are seeing from healthcare-adjacent employers in the Cooper and Virtua systems and from Philadelphia-based competitors.
Short-term and long-term disability coverage addresses the income protection gap that exists in the absence of a New Jersey state temporary disability benefit supplement for some employee categories, while also supporting federal FMLA compliance for unpaid leave periods. Group life, voluntary benefits, and executive benefit structures are calibrated to the retention dynamics of Cherry Hill's professional services and healthcare sectors. Compliance infrastructure - including New Jersey earned sick leave tracking, WPCL-compliant deduction documentation for Pennsylvania-based employees, and ACA reporting - is built into every client engagement from the start.
What Differentiates Combs & Company for Cherry Hill Employers
Cherry Hill sits in a broker market that gets pulled in multiple directions. National firms treat South Jersey as a peripheral market in the Philadelphia metro. Regional New Jersey brokers sometimes lack familiarity with the Pennsylvania compliance layer that applies to many Cherry Hill employers with cross-river operations. Combs & Company serves the I-95 and Route 70 corridor with direct knowledge of the multi-state compliance environment Cherry Hill businesses navigate, combined with nationwide carrier access and advisory infrastructure built for companies operating across state lines.
Every advisor on the Combs Crew has worked in at least two industries outside of insurance - which matters in a market like Cherry Hill where a single advisory relationship might span a Cooper Health affiliate, a Route 38 logistics operation, and a multi-location professional services firm with staff in both Cherry Hill and Center City. That cross-sector experience drives more relevant recommendations. Combs & Company's 95% annual client retention rate reflects genuine advisory value. The firm holds PPACA certifications and maintains working expertise in ACA, ERISA, New Jersey and Pennsylvania-specific requirements, and the evolving landscape affecting employers with 1 to 500 employees.
Who This Serves in Cherry Hill
Cherry Hill employers who benefit most from working with a dedicated employee benefits broker tend to be mid-size companies in the 10 to 500 employee range - healthcare and professional services firms managing multi-state workforces that include both New Jersey and Pennsylvania employees, retail and hospitality businesses near the Cherry Hill Mall managing variable-hour New Jersey sick leave accrual, and growing companies along the Route 70 corridor competing for talent against Philadelphia and broader South Jersey employers where benefits packages increasingly determine hiring outcomes.
Start a Conversation with Combs & Company
If your company operates in Cherry Hill and needs a benefits strategy that reflects your local compliance environment and the realities of recruiting in a competitive cross-state market, Combs & Company offers a no-obligation discovery call. The advisory team will review your current benefits structure, identify gaps specific to New Jersey and applicable Pennsylvania law, and outline what a tailored engagement looks like for your business. Schedule a discovery call to get started.
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Employee Benefits
Comprehensive Employee Benefits for Your Team
Benefit solutions can be as diverse as your workforce. Combs & Company takes a holistic approach to build solutions that meet employee needs, your company's budget, all while meeting federal and state requirements. Offering innovative solutions from trusted providers can help your business attract and retain top talent. From one employee to 1,000, our team supports you to ensure benefits don't become a burden and fall short of expectations.
Medical Benefits
Plan design that prioritizes Philadelphia's academic medical centers and specialty systems — Penn Medicine, Jefferson Health, Temple Health — with carrier selection built around local access.
Dental Benefits
Comprehensive dental coverage structured as a core offering, matching the expectations of a workforce shaped by the city's healthcare and education institutions.
Vision Benefits
Vision plans with routine exams and eyewear allowances, included as standard in a market where total compensation is evaluated against New York and D.C. benchmarks.
Short-Term Disability insurance
Income protection during temporary illness or injury, filling a critical gap in a state with no mandated paid family leave or disability program.
Long-Term Disability insurance
Extended income security for employees facing prolonged health challenges, structured to provide protection where no state-level program exists.
Group Life Insurance
Financial protection for employees and families, a foundational benefit in packages competing for talent across Philadelphia's healthcare and professional services sectors.
Group Long-Term Care Insurance
Coverage for extended care needs, addressing long-term financial planning for a workforce concentrated in healthcare, education, and life sciences.
Voluntary Benefits
Accident, critical illness, and supplemental coverage with WPCL-compliant enrollment documentation built into the process from day one.
Executive Benefits
Customized plans for leadership talent, designed to compete in a market where Philadelphia employers recruit against New York and Washington compensation standards.
International Travel Insurance
Coverage for employees traveling globally, relevant for Philadelphia's life sciences, financial services, and professional services companies with international operations.
Employee benefits aren’t just perks — they’re a promise. A promise to value, protect, and invest in the people who drive your company’s success every day.
Combs & Company
Empowering Businesses Through Smarter Employee Benefits
Your employees are the foundation of your company’s success. Combs & Company believes investing in their well-being leads to higher retention, better productivity, and stronger company culture. Our customized employee benefits solutions are designed to fit your organization’s goals, budget, and workforce. From startup to mature entity, we’ll help you create a benefits package that attracts and retains top talent — while protecting your bottom line.
Your Questions, Answered
Frequently Asked Questions
How does Philadelphia's POWER Act change my company's paid sick leave obligations?
If you employ workers in the city of Philadelphia, the POWER Act — effective May 27, 2025 — materially expanded your obligations under the Promoting Healthy Families and Workplaces ordinance. Employers with 50 or more employees must now provide up to 80 hours of paid sick leave per year, up from the previous 40-hour cap. Employers with 10 to 49 employees must provide up to 56 hours. Qualifying reasons for leave expanded to include school conferences, service animal care, and public health emergencies. Probationary employees under collective bargaining agreements are now covered. And the Philadelphia Department of Labor has enhanced enforcement authority. An employee benefits broker in Philadelphia should be helping you update written policies, retrain managers, and configure payroll systems to track the new tiered accrual and usage caps — not waiting for an audit to reveal gaps.
Why does Pennsylvania's Wage Payment and Collection Law matter for benefits administration?
The WPCL governs every deduction an employer makes from employee wages — and its definition of "wages" includes fringe benefits and wage supplements. That means every benefits-related payroll deduction, from health insurance premiums to voluntary benefit contributions, requires specific signed written authorization identifying the deduction type and amount. A blanket authorization clause does not satisfy the standard. Violations carry automatic 25% liquidated damages with no good-faith exception, plus mandatory attorney's fees. For Philadelphia employers enrolling employees in benefits plans, adjusting contributions at renewal, or adding new voluntary offerings, the WPCL turns routine benefits administration into a compliance event. An employee benefits broker in Philadelphia should build WPCL-compliant authorization workflows into every enrollment and renewal cycle.
How do Philadelphia employers manage sick leave compliance for employees who work across city and suburban locations?
Philadelphia's paid sick leave ordinance applies to employees who work at least 40 hours per year within city limits. Employees at the same company who work exclusively in surrounding counties — Montgomery, Bucks, Chester, Delaware — have no state-mandated sick leave entitlement because Pennsylvania does not require it. This creates a split-policy environment where accrual rules, usage caps, and eligible reasons for leave differ based on where an employee performs work. For employers with operations spanning the metro area, or with employees who split time between city and suburban locations, tracking compliance requires systems that can distinguish work locations and apply the correct policy. An employee benefits broker in Philadelphia with experience in this specific challenge helps employers build compliant leave tracking without creating administrative chaos.
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Employee Benefits
Empower your workforce with tailored benefits that attract talent, enhance satisfaction, and improve retention — all while keeping your business compliant, competitive, and financially protected.
Commercial Insurance
Safeguard your business with customized commercial risk solutions that protect your assets, employees, and reputation against unforeseen events and evolving industry challenges.
Personal Insurance
Protect what matters most with personal insurance plans designed for your lifestyle — covering your home, health, car, and future with confidence and peace of mind.
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We specialize in unique and hard-to-place insurance needs, offering creative solutions for businesses and individuals that don’t fit standard coverage categories.
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Our experts offer strategic guidance, risk analysis, and compliance support to help you make informed insurance decisions aligned with your goals.
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Why Choose Combs & Company?
Combs & Company blends decades of experience, with continued industry innovations, and a personal touch to simplify the insurance process. Our expert teams tailor coverages to meet your business needs, ensuring you’re confident in any solution.
Certified Industry Experts
Our team includes PPACA Certified Advisors and licensed professionals with expertise in ACA, ERISA, and complex coverage solutions, providing trusted guidance.
Comprehensive Coverage Options
From personal and business insurance to specialty lines and consulting, we offer full-service solutions that grow with you and evolve to meet your changing needs.
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At Combs & Company, clients aren’t just clients—they’re partners. We’re committed to building trust, loyalty, and long-term relationships that keep you secure for years to come.
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Our Client Reviews
If you're a food entrepreneur or in the restaurant biz, I highly recommend working with Susan and her team. Offers great customer service and she really knows her stuff! I had Susan come lecture at my food law class at New York University a few years ago and the students loved her! I refer clients to her without hesitation
Cari B.
