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Employee Benefits

An overview of benefits for our fiscally sponsored employees.

Updated 1/2026 - Currently under review.

Eligibility
Employees are eligible for benefits on the first of the month following 30 days of employment (after completing two payroll cycles) or following a qualifying life event (QLE), and must work an average of at least 20 hours per week. Retirement benefits are an exception—all employees are eligible.

401(k) is available to all employees, regardless of hours worked.

Unlike our group benefits, which are limited to employees, Aflac supplemental coverage is available to employees and independent contractors.

Jump to:
Retirement
Medical
Dental
Vision
Life Insurance
Long-Term Disability
Supplemental Insurance
Health Flexible Spending Account (FSA)
Dependent Care Flexible Spending Account (DCFSA)

 

401(k), Roth 401(k)

Provider name
Gusto powered by Guideline↗️
 
Plan type
Safe Harbor
 
All employer-sponsored Guideline 401(k) plans include automatic enrollment. This feature is designed to encourage more people to save for retirement by automatically enrolling eligible employees into the 401(k) plan. If an employee does not wish to participate, they can always opt out.
 
Sponsor Contribution
 
NOPI covers a Core Monthly Base Fee of $89.00 per month. 
 

Sponsored Program Contribution

Fiscally sponsored programs/orgs contribute 3% of an employee's compensation per payroll. There is an additional cost of $8 per participating employee per month charged by Guideline paid by the fiscally sponsored program.

Employee Contribution

Employees can choose to contribute any amount per payroll. 

 
 

Medical

NOPI offers two Blue Cross Blue Shield of Massachusetts plans that cover employees and providers nationwide. These plans include:

Sponsor Contribution
 
NOPI covers a $15 per month per HSA eligible employee. 
 

Sponsored Program Contribution

Fiscally sponsored programs/orgs cover 100% of the base plan premium (~$805.58 per month) for each eligible employee.

Employee Contribution

Employees pay the difference in premium if they select a more expensive plan (~$221.81 per month) and 100% of the premium for dependents. 

2026 - 2027 Medical


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Dental

Sponsored Program Contribution

Fiscally sponsored programs/orgs pay 50% of the premium (~$35 per month) for each eligible employee.

Employee Contribution

Employees pay 50% of the premium (~$34 per month) and 100% of the premium for dependents.

Dental

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Vision

Sponsored Program Contribution

Fiscally sponsored programs/orgs pay 0% of the premium.

Employee Contribution

Employees pay 100% of the premium (~$10 per month). Employee pays for the whole premium for dependents (~$5).

Vision

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Life Insurance

Sponsored Program Contribution

Fiscally sponsored programs/orgs pay ~$8 per month per eligible employee.

Employee Contribution

Employees pay $0 per month.

 Life

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Long-Term Disability

Sponsored Program Contribution

Fiscally sponsored programs/orgs pay ~$9 per month per eligible employee.

Employee Contribution

Employees pay $0 per month.

LTD

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Supplemental Insurance

Additional insurance to help cover co-pays, hospital stays, out-of-pocket expenses, lost wages, and more.

Sponsored Program Contribution

Fiscally sponsored programs/orgs pay $0 per month per eligible employee.

Employee Contribution

Employees and Contractors pay monthly per policy.

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Pre-tax Benefit Accounts

These accounts allow employees to set aside pre-tax dollars for health and transportation expenses.

Sponsor Contribution
 
NOPI covers an annual $200 + $4 per month per participating employee.

Health Flexible Spending Account (FSA)

    • Who can participate: Employees who are eligible for health insurance
    • Covered expenses: Certain qualified health expenses. For more information see here↗️
    • Rollover amount: $660.00
    • Grace period end date: Not Set
    • Run out period end date: May 29, 2027
    • Employee waiting period: First of month 30 days after hire
    • Employee termination policy: Last day of employment
    • Employee termination run out period: 90 days
    • Sponsored Program Contribution: Employer/FSO does not contribute anything for the duration of the plan.

Dependent Care Flexible Spending Account (DCFSA)

    • Who can participate: Employees who are eligible for health insurance
    • Eligible expenses: Work-related care for eligible dependents. Learn more↗️
    • Grace period end date: May 15, 2027
    • Run out period end date: May 29, 2027
    • Employee waiting period: First of month 30 days after hire
    • Employee termination policy: Last day of employment
    • Employee termination run out period: 90 days
    • Sponsored Program Contribution: Employer/FSO does not contribute anything for the duration of the plan.

 

HR and Payroll Overview

 

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