HR Should Be A Process, Not A Free-For-All

Running a business is stressful. We can help.

Benefits

Your Employees Deserve To Feel Valued

We ensure your employees are given the very best. CalmHR makes Fortune 100 benefits available to every organization, no matter the size. Get customized benefits programs with guaranteed issue life and disability insurance, and expand your retirement offerings.

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Payroll

Your Back Office Partner

We manage your back office, including all functions of payroll and HCM, because we believe you should focus on running your business. CalmHR offers an integrated HCM (Human Capital Management) system: payroll, benefits, HR, compliance, retirement in one easy-to-use program.

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Compliance

Grow With Confidence

Compliance rules and regulations change often. You need the help of an expert to make sure you’re up to speed on the latest local, state and federal laws. CalmHR makes that simple—affording you total compliance so you never miss a step.

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Human Resources

HR Made Calm

Whether you have your own HR department or always wanted one, CalmHR provides the expertise to support your organization. We’ll set up employee handbooks, ensure policies are in check, and you’ll never guess if procedures for management and staff adhere to state and federal guidelines.

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Retirement

The Future You Deserve

Attract and retain top talent with standout retirement options. CalmHR offers customized plans to allow for targeted and maximized efficiency of funding objectives, flexible and competitive pricing structure per adopting employer, and fiduciary services include ERISA 3(38) Investment Manager and ERISA 3(16) Plan Administrator.

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Executive Benefits

Reward And Protect Key Employees

Ensure your employees understand their value. CalmHR’s executive medical reimbursement program protects employees from out-of-pocket medical, dental, vision, and hearing expenses, which are not covered by your company’s regular health care programs.

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While no business is the same, the majority of PEOs provide a one-size-fits all solution

CalmHR isn’t today’s PEO and we’re certainly not yesterday’s PEO. We’re a reimagined service focused on building a personalized, consultative relationship.

Here’s a promise we make to our clients, backed by 35 years of trusted experience.

Listening Matters

No one person has all the answers. We don’t have a mold and you should never be asked to fit one. We promise to listen first before designing an experience that’s meant for you and your employees.

Relationships Matter

We believe you’re more than just your business. We strive to create a relationship with each and every one of our clients, because we believe personalized relationships make for personalized results.

Support Matters

We celebrate together, and we navigate your toughest obstacles together. The important thing is that we’re here for you, day or night.

Hear From Our Clients

Our firm is not large enough to participate in the group savings that are available to larger employers. Joe Appelbaum has always proactively provided us with innovative ways to save money on our health care plan while continuing to offer our employees comprehensive benefits. The team has educated us on how to greatly reduce costs on our prescription drug plan and has offered suggestions to provide our participants with much needed cost-savings as well.

These experts are extremely responsive and available at any time to answer any questions that may arise. Throughout our relationship, Joseph Appelbaum and his team have taken the time to connect with our firm and truly understand our internal culture.

Jo Cicchetti, Chief Operating Officer, Jorden Burt LLP

I was referred to Joe Appelbaum several times and did not pursue as there was always something else to manage. Finally—twice in one day—my partner and our personal insurance broker referred Joe. It was a sign to connect with Joe at last. I wish I made the call the first time I received the referral. Joe and his team did an unbelievable job of handling the needs of two merging companies. Their analysis cut through the noise of two companies with disparate systems, benefits, and contributions and was executed with a pragmatic and empathetic approach for our employees. Additionally, because Joe and his team found savings for us, we were able to add additional benefits for the firm that all employees welcomed. I cannot thank him and his team enough. Anyone who doesn’t sign on with Joe—don’t be like me, sign up the first time.

Brett Bernstein, CEO & Co-Founder, XML Financial Group

Joe and his staff make an annual presentation that have brought great clarity to the ever-changing subject of and available choices in the field of health care. We are satisfied and informed customers and seek to acknowledge Joe and his firm’s professionalism and outstanding hands-on service.

Sanford Z. Berman, Esq, Founder, Houlon, Berman, Finci, Levenstein & Sandler, LLC

Our relationship with Joe Appelbaum is a true partnership. Not only does he help us navigate through open enrollment and provide us with excellent benefit options, he also educates us on changes in the health care market and offers assistance with a number of general HR questions. Joe Appelbaum helps save our organization money while improving the benefits options we are able to offer. His diligence in understanding our association and our culture helps me do my job better.

Human Resources Manager, Washington, DC-based professional association

Joe Appelbaum has been wonderful in helping us keep our benefits costs down and offering competitive benefits to our staff. He and his team are terrific at taking the time to understand our benefits needs and then identifying all viable options. Most importantly, they clearly lay out the costs to BOTH employer and employees of different ages and income levels for each option. We have been fortunate to work with Joe for many years, and I would recommend him highly.

Robin Wiener, President, Institute of Scrap Recycling Industries

I don’t care about special treatment for myself as the CEO. I love that Potomac treats any requests or issues from my employees exactly as they do from me, with the same care and high-level attention to detail. My expectations are not only met, they are consistently exceeded. Our experience is tailored to what we need, allowing us to keep doing what we need to do for our clients.

Tony Crescenzo, CEO, IntelliDyne, LLC

Joe Appelbaum and his team is always available, day and night. They deeply care about their clients. We are like family! The team gets right on it and solves any claims issues we have. Joe and team have made a huge impact on our HR team and our organization overall. It’s difficult to name just one person because the entire team is always shining! They have provided consistently excellent client service throughout our entire relationship.

Linda J. Galaviz, Benefit Specialist, THE CENTECH GROUP, The CENTECH Group

Great, hands-on client-focused team! All the staff have been delightful to work with and have made every effort to make sure we have what we need, get questions answered in a timely manner and resolve issues as soon as possible.

Joe and his team have always been ready to assist and resolve. They regularly follow up until an issue is resolved. Issues have been few and far between.

As an organization, we have been very pleased with the service provided. As Director of Benefits, I appreciate the robust offering, level of support, and candor that Joe and his team provide.

Cameron Deml, Director of Insurance Programs, National Rural Letter Carriers’ Association (NRLCA)

We appreciate Joe and the team’s attention to detail in reviewing plan options upon renewal.

They assist with developing a financial plan in the best interests of the practice and staff. The benefit review meetings with staff are exceptionally helpful and relieve a great deal of my burden when we are up for renewal. At one point, we opted for a plan that ultimately ended up having significant issues around access to care. Joe stepped in and helped us switch to a new plan 4 months into our plan year. Our employees were thrilled and the team really helped us demonstrate we truly have the best interests of our employees in mind.

Joe and his team have been responsive and accountable throughout our relationship. I would definitely recommend their service to other organizations.

Jenna Vallejo, Practice Admin, Potomac Pediatrics