Our Services
Group Health Insurance for Contractors
Health insurance, fringe benefit administration, and SUB Plans — structured for the construction industry, compliant with prevailing wage law, and built around the real needs of your workforce.
Why It Matters
Your Workers Have Families Counting on Them
Construction is hard work. The men and women on your crews show up every day in demanding conditions — and when they go home, they have families who depend on them staying healthy, employed, and financially stable.
A strong benefits package isn't just a compliance requirement. It's how you show your team that you value what they do. And on prevailing wage projects, a well-structured plan reduces your cash wage obligation dollar-for-dollar — making it one of the smartest financial moves a contractor can make.
PSG has been designing and administering benefit plans for California contractors since 1999. We know prevailing wage law, we know the carriers, and we know what your workers actually need.
What We Offer
Comprehensive Benefits Administration
Every program PSG administers is structured to satisfy prevailing wage fringe requirements — and to deliver genuine value to the workers who earn them.
Medical Insurance
Group health plans from leading California carriers — HMO, PPO, and HSA options — structured to satisfy prevailing wage fringe requirements. Workers choose the plan that fits their family.
Dental & Vision
Comprehensive dental and vision coverage that rounds out your benefits package and counts toward your fringe obligation — giving workers real, everyday value.
Life & Disability
Term life and short/long-term disability coverage that protects workers and their families while satisfying prevailing wage fringe requirements on every project.
Fringe Administration
We calculate, track, and document every fringe dollar — ensuring contributions are properly credited against prevailing wage requirements and reflected accurately in certified payroll.
SUB Plan
A Supplemental Unemployment Benefits trust that pays workers during layoffs and counts as a bona fide fringe benefit — one of the most powerful tools available to prevailing wage contractors.
Certified Payroll Support
Fringe benefit data flows directly into your certified payroll reports, reducing audit risk and saving your team hours of manual reconciliation every pay period.
Access to California's Leading Health Plan Carriers
HMO · PPO · HSA options available. PSG helps you select the right mix for your workforce and budget.
Let Workers Choose
The Right Plan for Every Worker
Not every worker has the same needs. A 28-year-old single carpenter and a 45-year-old foreman with three kids need very different health plans. PSG gives your workforce access to multiple carriers and plan types — HMO, PPO, and HSA — so each person can choose what works for their family.
You set the budget. Your employees choose their coverage. PSG bundles everything into one easy-to-manage program with a single bill and clean certified payroll documentation.
- Employees choose from HMO, PPO, or HSA plans
- Employer sets a defined contribution — budget stays fixed
- All plans are ACA-compliant
- One bill, one administrator, one point of contact
The Process
How PSG Sets Up Your Benefits Program
01
We Review Your Obligations
PSG analyzes your prevailing wage fringe requirements across all active and upcoming projects — identifying exactly what you owe and where you have flexibility.
02
We Design Your Package
We build a benefits package that maximizes your fringe credit, minimizes your cash wage obligation, and gives your workers plans they'll actually use.
03
We Handle Enrollment
PSG manages carrier enrollment, employee communications, and onboarding — so your team gets covered quickly and your payroll team knows exactly what to report.
04
We Keep You Compliant
Ongoing administration, certified payroll documentation, and annual renewals — PSG stays on top of it so you don't have to.
From the Field
What Contractors Are Saying
PSG took something that felt impossibly complicated and made it simple. Our workers are covered, our certified payroll is clean, and we're saving money we didn't know we were leaving on the table.
General Contractor
Southern California
I've been in construction for 22 years. The SUB Plan is the one benefit my guys actually get excited about. When work slows down, they know there's a check coming.
Electrical Subcontractor
San Diego County
Featured Program
The SUB Plan: Your Most Powerful Fringe Tool
A Supplemental Unemployment Benefits (SUB) Plan is an IRS-approved trust that lets employers fund a tax-advantaged account for each worker. When a layoff, weather delay, or short work week hits, workers draw directly from that account.
For employers: contributions are removed from taxable payroll — saving FICA, FUTA, and potentially workers' comp premiums. For workers: it's real income during the gaps that construction inevitably creates.
7.65%
FICA Saved on Fringe Dollars
$0
Employer Setup Fee
26 Weeks
Max Benefit Duration
100%
Davis-Bacon Compliant
Why PSG
Built for Contractors, Not Generic HR
Most benefits providers don't understand prevailing wage. PSG was built specifically for the construction industry — we speak your language, know what the DOL expects, and have been doing this since 1999.
- Deep expertise in Davis-Bacon and state prevailing wage fringe requirements
- Plans structured specifically for the construction industry — not generic HR
- Access to leading California carriers: HMO, PPO, and HSA options
- Seamless integration with certified payroll reporting
- Dedicated account managers who know your projects and your workers
- Transparent pricing — no hidden fees or surprise charges
- Serving general contractors and subcontractors since 1999
25+ Years Protecting Contractors
Family-owned. Construction-focused. Always in your corner.
Ready to Protect Your Workforce?
Talk to a PSG specialist today. We'll review your current setup and show you exactly how much you could save — and how much better your workers could be covered.