No. Most insurance companies like to see 75% or 80% participation from your staff. We also work with an insurance company that will accept groups of any size, and any participation ratio, as long as they have 50 employees worldwide. The best thing to do would be to call us prior to downloading forms off our site so we can speak and learn your needs. We can, usually, let you know right away, with a few questions, what may be the best direction to go for you and your members.