CMG 2025 Employee Benefits Overview
At CMG Home Loans, we believe great people deserve great support. Our 2025 benefits package is designed to provide stability, value, and flexibility across every stage of life – whether you’re focused on personal wellness, financial security, or work-life balance.
Medical, Dental & Vision Coverage
CMG offers multiple medical plans through Blue Shield (PPO and HSA-compatible HDHPs), as well as Kaiser HMO plans in select regions. Preventive care is covered at 100%. Dental and vision coverage is offered through Delta Dental and VSP, with affordable buy-up options for more robust coverage.
Additional highlights:
- Preventive care covered in full
- Multiple plans tailored to your region and budget
- Optional upgrades for more expansive dental and vision benefits
Health Savings & Flexible Spending Accounts
For those enrolled in a high-deductible health plan (HDHP), CMG contributes to your Health Savings Account (HSA):
- $500 annually for individual coverage
- $1,000 annually for family coverage
Flexible Spending Accounts (FSAs) are available for:
- General healthcare
- Dependent care
- Commuter/transportation expenses
These are all pre-tax deductions that help reduce your taxable income.
401(k) Retirement Savings
Planning for the future starts today – and CMG is here to support that.
- Plan Provider: Empower
- Company Match: 100% of the first 3% you contribute, plus 50% of the next 2%
- In plain terms: contribute 5%, CMG matches 4%
- Vesting Schedule: You are fully vested after two years of service
Life, Disability & Supplemental Insurance
Every full-time employee receives company-paid basic life and AD&D insurance.
You can also elect additional benefits including:
- Voluntary life insurance
- Short- and long-term disability
- Critical illness, accident, and hospital indemnity insurance (offered through Prudential)
- Whole life insurance with long-term care options
Time Off and Holidays
We believe rest fuels performance. CMG offers:
- Paid Time Off (PTO): 15 days annually, with accrual increasing over time
- Holidays: 10 paid holidays observed annually:
- New Year’s Day
- Martin Luther King Jr. Day
- Presidents Day
- Memorial Day
- Independence Day
- Labor Day
- Veterans Day
- Thanksgiving Day
- Day after Thanksgiving
- Christmas Day
- Sick Leave: No separate sick time – it’s part of your PTO
- PTO Rollover: PTO does not automatically carry over and may be forfeited if unused by year-end
Payroll & Pay Frequency
- Pay Periods: Employees are paid biweekly (26 pay periods/year)
- Payroll Provider: Paylocity
- Direct deposit and pre-tax deductions available for all eligible benefits
Other Perks & Resources
CMG goes beyond the basics with a range of extra benefits designed to support all areas of life:
- Employee Assistance Program (EAP): Confidential support and counseling for employees and household members
- Pet Insurance: Offered through Nationwide
- Exclusive Discounts: Access to Working Advantage savings on entertainment, travel, and more
- Gym & Wellness Benefits: Provided through Wellhub
- Benefits Navigation Support: Powered by Nayya to help you make the right plan choices
Eligibility and Start Dates
- Benefits begin on the 1st of the month following your hire date
- If you’re hired on the 1st, benefits begin immediately
- Qualifying life events (marriage, birth, loss of coverage) allow for mid-year enrollment changes
Call to Action
Want to dive deeper into the plan options and pricing? Download the full 2025 Benefits Guide for complete details.
If you’re considering CMG and want to understand how your specific situation would be supported – let’s talk. Our benefits team is here to walk you through every option and help you build the right foundation for your next chapter.