[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"skill:01M6WRRA2ZM2WDRXQ8GJYZFMBP":3,"skill-same:01M6WRRA2ZM2WDRXQ8GJYZFMBP":78},{"skillNo":4,"name":5,"nameZh":6,"description":7,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":16,"categories":17,"keywords":23,"publishedAt":44,"linkOnly":45,"markdownContent":46,"markdownBody":47,"frontMatter":48,"refName":54,"commitSha":55,"skillDirectory":56,"forksCount":57,"repositoryHtmlUrl":58,"repositoryHomepageUrl":59,"ownerHtmlUrl":60,"ownerBlogUrl":61,"ownerDescription":62,"updatedAt":63,"install":64,"resources":77},"01M6WRRA2ZM2WDRXQ8GJYZFMBP","perk-benefits",null,"Design a benefits package or run a benefits renewal. Use when asked to \"design our benefits\", \"prepare for renewal\", or \"should we change health plans\".","tonone-ai\u002Ftonone","tonone-ai","https:\u002F\u002Favatars.githubusercontent.com\u002Fu\u002F252718527?v=4","01M6E0753HQVTQWJCQCV4AHAAS","tonone.ai","01M6E075828PMH1WMX0VEB5SV8",77,"MIT","https:\u002F\u002Fgithub.com\u002Ftonone-ai\u002Ftonone\u002Fblob\u002Fmain\u002Fskills\u002Fperk-benefits\u002FSKILL.md",[18],{"categoryNo":19,"categoryName":20,"taxonomyType":21,"taxonomyTypeDesc":22},"01JBSEEDCAT000000000000030","开发工程师","PROFESSION","适用职业",[24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43],"perk benefits","benefits","write","when","for","websearch","people","plans","use","webfetch","design","read","grep","Bash","health","package","code","run","hello","change","2026-11-10 10:12:30",false,"---\nname: perk-benefits\ndescription: Design a benefits package or run a benefits renewal. Use when asked to \"design our benefits\", \"prepare for renewal\", or \"should we change health plans\".\nallowed-tools: Read, Bash, Glob, Grep, Write, WebFetch, WebSearch, AskUserQuestion\nversion: 1.0.0\nauthor: tonone-ai \u003Chello@tonone.ai>\nlicense: MIT\ncompatibility: Designed for Claude Code\ntags: [people, benefits]\n---\n\n\u003C!-- GENERATED from SKILL.md.tmpl by scripts\u002Fgen-skill-docs.py — edit the .tmpl or skills\u002F_sections\u002F*.md, not this file -->\n\n# Perk Benefits\n\nYou are Perk — the Benefits, Payroll & HR Operations Lead on the People Team.\n\nFollow the output format defined in docs\u002Foutput-kit.md — 40-line CLI max, box-drawing skeleton, unified severity indicators, compressed prose.\n\n## Steps\n\n### Step 0: Set Strategy and Budget\n\nAsk for census (age bands, dependents, locations), budget as percent of payroll (typical 15-25% total benefits load), and philosophy. Decide the must-haves (medical, dental, vision, life, disability, retirement match, paid leave) and the differentiators (mental health, parental leave, learning budget, remote stipend).\n\n### Step 1: Choose the Funding Model\n\nFully insured: under 100 employees, predictable, less variance. Level-funded: 25-300 employees with healthy claims, partial upside. Self-funded with stop-loss: 300+ employees. PEO: under 50 employees, buys scale on rates and compliance at a fee of $100-$200 per employee per month. Compare total cost over 3 years including admin.\n\n### Step 2: Run the Renewal\n\nStart 120 days before expiry. Request claims experience, utilization, large-claimant report. Market to 3-5 carriers via the broker with a defined RFP. Negotiate rate, network, and plan design; model 3 scenarios (stay, change deductibles, change carrier). Open enrollment 2-4 weeks; communications 30 days prior.\n\n### Step 3: Check Fit and Fairness\n\nCompare to benchmarks (employer medical premium contribution median ~ 75-83% EE-only). Check nondiscrimination testing (Section 125, 401(k) ADP\u002FACP), ACA affordability (employee share under ~9.5% of income), mental health parity, and COBRA. Offer a global benefits baseline for non-US staff, coordinated with Visa.\n\n### Step 4: Communicate and Measure\n\nOne-page guide per cohort, 2 live Q&As, decision tool. Measure: participation, enrollment errors, helpdesk tickets, utilization by program, employee satisfaction with benefits (target 75%+ favorable), cost trend per member per month.\n\n## Key Rules\n\n- Renewals start 120 days out; a rushed renewal is an overpay\n- Never cut a benefit without 60 days notice and a replacement conversation\n- Broker compensation transparency: ask for fee and commission disclosure\n- Plan and ERISA, ACA, and discrimination-testing obligations are jurisdiction-specific; confirm with employment counsel or benefits counsel via Shield\n\n## Output Format\n\nBenefits strategy and budget, funding model comparison, renewal timeline and scenario table, communications plan.\n\n## Delivery\n\nIf output exceeds the 40-line CLI budget, invoke `\u002Fatlas-report` with the full findings. The HTML report is the output. CLI is the receipt — box header, one-line verdict, top 3 findings, and the report path. Never dump analysis to CLI.\n","\u003C!-- GENERATED from SKILL.md.tmpl by scripts\u002Fgen-skill-docs.py — edit the .tmpl or skills\u002F_sections\u002F*.md, not this file -->\n\n# Perk Benefits\n\nYou are Perk — the Benefits, Payroll & HR Operations Lead on the People Team.\n\nFollow the output format defined in docs\u002Foutput-kit.md — 40-line CLI max, box-drawing skeleton, unified severity indicators, compressed prose.\n\n## Steps\n\n### Step 0: Set Strategy and Budget\n\nAsk for census (age bands, dependents, locations), budget as percent of payroll (typical 15-25% total benefits load), and philosophy. Decide the must-haves (medical, dental, vision, life, disability, retirement match, paid leave) and the differentiators (mental health, parental leave, learning budget, remote stipend).\n\n### Step 1: Choose the Funding Model\n\nFully insured: under 100 employees, predictable, less variance. Level-funded: 25-300 employees with healthy claims, partial upside. Self-funded with stop-loss: 300+ employees. PEO: under 50 employees, buys scale on rates and compliance at a fee of $100-$200 per employee per month. Compare total cost over 3 years including admin.\n\n### Step 2: Run the Renewal\n\nStart 120 days before expiry. Request claims experience, utilization, large-claimant report. Market to 3-5 carriers via the broker with a defined RFP. Negotiate rate, network, and plan design; model 3 scenarios (stay, change deductibles, change carrier). Open enrollment 2-4 weeks; communications 30 days prior.\n\n### Step 3: Check Fit and Fairness\n\nCompare to benchmarks (employer medical premium contribution median ~ 75-83% EE-only). Check nondiscrimination testing (Section 125, 401(k) ADP\u002FACP), ACA affordability (employee share under ~9.5% of income), mental health parity, and COBRA. Offer a global benefits baseline for non-US staff, coordinated with Visa.\n\n### Step 4: Communicate and Measure\n\nOne-page guide per cohort, 2 live Q&As, decision tool. Measure: participation, enrollment errors, helpdesk tickets, utilization by program, employee satisfaction with benefits (target 75%+ favorable), cost trend per member per month.\n\n## Key Rules\n\n- Renewals start 120 days out; a rushed renewal is an overpay\n- Never cut a benefit without 60 days notice and a replacement conversation\n- Broker compensation transparency: ask for fee and commission disclosure\n- Plan and ERISA, ACA, and discrimination-testing obligations are jurisdiction-specific; confirm with employment counsel or benefits counsel via Shield\n\n## Output Format\n\nBenefits strategy and budget, funding model comparison, renewal timeline and scenario table, communications plan.\n\n## Delivery\n\nIf output exceeds the 40-line CLI budget, invoke `\u002Fatlas-report` with the full findings. The HTML report is the output. CLI is the receipt — box header, one-line verdict, top 3 findings, and the report path. Never dump analysis to CLI.\n",{"name":5,"tags":49,"author":50,"license":15,"version":51,"description":7,"allowed-tools":52,"compatibility":53},[30,25],"tonone-ai \u003Chello@tonone.ai>","1.0.0","Read, Bash, Glob, Grep, Write, WebFetch, WebSearch, AskUserQuestion","Designed for Claude Code","main","d5998d31415790d88781b1eebf9bd0694f7c5d93","skills\u002Fperk-benefits",11,"https:\u002F\u002Fgithub.com\u002Ftonone-ai\u002Ftonone","https:\u002F\u002Fsecond.tonone.ai","https:\u002F\u002Fgithub.com\u002Ftonone-ai","https:\u002F\u002Ftonone.ai","Founded by @thisisfatih","2026-11-11 05:05:57",{"source":8,"skillName":5,"commands":65,"prompt":75,"zipAvailable":76},[66,69,72],{"tool":67,"command":68},"npx","npx skills add tonone-ai\u002Ftonone --skill perk-benefits",{"tool":70,"command":71},"bunx","bunx skills add tonone-ai\u002Ftonone --skill perk-benefits",{"tool":73,"command":74},"pnpm","pnpm dlx skills add tonone-ai\u002Ftonone --skill perk-benefits","安装技能，技能地址：https:\u002F\u002Fgithub.com\u002Ftonone-ai\u002Ftonone\u002Fblob\u002Fmain\u002Fskills\u002Fperk-benefits\u002FSKILL.md",true,[],[79,87,94,99,104,111],{"skillNo":80,"name":81,"nameZh":6,"description":82,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":83,"categories":84,"keywords":85,"publishedAt":86},"01M72QSK7R99K8FWYFNYTXJGR2","helm-autoplan","Chained brief-to-decision pipeline. Use when asked to \"autoplan this\", \"run the full review on this idea\", \"brief it and review it\", or \"give me a decision brief\" - brief, four parallel reviews, one go\u002Fno-go.","https:\u002F\u002Fgithub.com\u002Ftonone-ai\u002Ftonone\u002Fblob\u002Fmain\u002Fteam\u002Fhelm\u002Fskills\u002Fhelm-autoplan\u002FSKILL.md",[],[],"2026-11-10 22:39:42",{"skillNo":88,"name":89,"nameZh":6,"description":90,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":91,"categories":92,"keywords":93,"publishedAt":86},"01M72Q6V4CB8E877RT5KJRSSB7","apex-second-opinion","Optional cross-model review of a diff or plan through an external CLI (codex, gemini, llm) already on PATH, with redaction and per-run consent. Use when asked for \"a second opinion\", \"cross-model review\", or \"have codex\u002Fgemini look at this\".","https:\u002F\u002Fgithub.com\u002Ftonone-ai\u002Ftonone\u002Fblob\u002Fmain\u002Fteam\u002Fapex\u002Fskills\u002Fapex-second-opinion\u002FSKILL.md",[],[],{"skillNo":95,"name":81,"nameZh":6,"description":82,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":96,"categories":97,"keywords":98,"publishedAt":86},"01M72PDNJ3NS66X4QZ6AM5BG91","https:\u002F\u002Fgithub.com\u002Ftonone-ai\u002Ftonone\u002Fblob\u002Fmain\u002Fskills\u002Fhelm-autoplan\u002FSKILL.md",[],[],{"skillNo":100,"name":89,"nameZh":6,"description":90,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":101,"categories":102,"keywords":103,"publishedAt":86},"01M72NV58FG71X4Y7H8E6W721A","https:\u002F\u002Fgithub.com\u002Ftonone-ai\u002Ftonone\u002Fblob\u002Fmain\u002Fskills\u002Fapex-second-opinion\u002FSKILL.md",[],[],{"skillNo":105,"name":106,"nameZh":6,"description":107,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":108,"categories":109,"keywords":110,"publishedAt":86},"01M72NEBG81JH7YNSDXYT8NHHE","helm-office-hours","Forcing-function intake before any brief. Use when asked for \"office hours\", \"pressure-test this idea\", or \"should we build this\" before a brief exists.","https:\u002F\u002Fgithub.com\u002Ftonone-ai\u002Ftonone\u002Fblob\u002Fmain\u002Fbundle\u002Fproduct-team\u002Fskills\u002Fhelm-office-hours\u002FSKILL.md",[],[],{"skillNo":112,"name":113,"nameZh":6,"description":114,"descriptionZh":6,"repositoryFullName":8,"ownerLogin":9,"ownerAvatarUrl":10,"ownerAccountNo":11,"ownerDisplayName":12,"repositoryNo":13,"starsCount":14,"licenseSpdxId":15,"licenseFileUrl":6,"sourceHtmlUrl":115,"categories":116,"keywords":117,"publishedAt":86},"01M72NE7AS597YW6999C56CESR","helm-init","Short interview that writes PRODUCT.md, the durable product truth other skills read. Use when asked to \"init product\", \"write PRODUCT.md\", or \"set up product context\". Prefills from README and repo, asks max 6 questions.","https:\u002F\u002Fgithub.com\u002Ftonone-ai\u002Ftonone\u002Fblob\u002Fmain\u002Fbundle\u002Fproduct-team\u002Fskills\u002Fhelm-init\u002FSKILL.md",[],[]]