Your client's benefits program.
One accountable partner.
Advisors and HR teams hand us the enrollment platform, the carrier feeds, and the day-to-day service, enrollment and employee support. We run it end to end.
Do-it-yourself ben admin was never built for companies your clients' size
Your team is doing admin, not advising
Eligibility files, carrier connections, and enrollment questions absorb the hours that should go to renewals and new business.
Platforms are sold, then abandoned
Self-serve tech assumes an in-house benefits ops team. Mid-market employers do not have one, so the work lands back on you.
Every error becomes your risk
A missed termination or bad feed shows up as a claim dispute, an audit finding, and a hard conversation at renewal.
Are your clients overpaying carriers right now?
Terminated employees still on the invoice. New hires deducted before coverage starts. Rates that drifted after open enrollment. Most employers have never reconciled their payroll register against their carrier bill. We will do a one-time audit for a client, line by line, at no cost and with no obligation.
Claim my free auditTerminated employees still enrolled
Someone leaves, payroll stops, and the carrier keeps billing. We flag every enrollee who should already be off the invoice.
New hires deducted before coverage starts
If you deduct on day one and the carrier effective date is day 31, employees paid for coverage they did not have.
Rate drift after open enrollment
The carrier bills the new rate and payroll never updated, or the reverse. A few dollars a month compounds fast across a workforce.
Life events not synced end to end
A dependent is added or a tier changes. Payroll reflects it. The invoice still shows the tier from six months ago.
Age reduction rules never applied
Life premiums keep billing at full coverage after an age threshold, so employees are charged for an amount they are no longer covered for.
More than a platform — a full-service solution, end to end
Enrollment, employee support, carrier feeds, billing, compliance, and implementation. A full service approach: not just software, but a team that works alongside you.
Implementation
We handle system setup and launch to employees, initial as well as for annual renewal and open enrollment.
Employee support
A dedicated team of benefits specialists responds to employees by phone, email, or text.
Carrier EDI and API
We manage all data flows to carriers, ensuring enrollments are submitted and ID cards arrive on time.
Payroll connectivity
We connect to any payroll system that supports a connection, so deductions sync from benefits instead of being keyed by hand.
ACA compliance
Variable hour tracking, eligibility monitoring, and year-end ACA filing. Fully turnkey, not just a report you run yourself.
HSA and FSA
We connect with your existing HSA vendor or our partner and manage all data flows between the systems.
COBRA
Full turnkey COBRA: initial notices, qualifying event notices, and ongoing compliance, all handled end to end.
Invoice reconciliation
Monthly reports compare enrollment against carrier billing. We track discrepancies and follow up until they are resolved.
One partner for the platform and the people who run it
We run the platform and the desk behind it
Configuration, eligibility, life events, carrier feeds, billing reconciliation, and employee support. Your name stays on the relationship; the work stops landing on your team.
Enterprise-grade open enrollment, without the enterprise timeline
A configured enrollment experience employees can complete on a phone, launched on a schedule that fits your renewal rather than a six-month implementation plan.
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A named team that owns the outcome
You get people who know your groups by name, not a ticket queue. We take complete ownership of resolution, including the calls to carriers nobody wants to make.
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Audit-ready records without the scramble
ACA reporting, COBRA coordination, and documentation maintained continuously, so year-end is a review rather than a reconstruction.
One managed system between your payroll and your carriers
We do not run your payroll. We connect to it. Benefits stays the system of record for elections and deductions, and we own every handoff in between with a traceable record at each step.
Every variable, every plan rule, calculated correctly
From coverage tier to age reduction schedules, deductions are configured to your plan documents and updated on the right date instead of when someone remembers.
Enrollment details
Plan selection, coverage tier, and dependents drive the base deduction. No manual entry.
Renewal and anniversary dates
Rate changes apply on the effective date, not whenever the spreadsheet gets updated.
Waiting periods
Coverage and deductions begin exactly when eligibility does. No early starts, no missed windows.
Evidence of insurability
Pending coverage is held until the carrier approves, so nobody is deducted for coverage they do not have.
HSA and FSA limits
Contributions stay inside IRS annual limits without mid-year corrections.
Life and status changes
Part-time to full-time moves, salary changes, and qualifying events update eligibility and deductions.
Age-banded rates
Separate calculations for employee, spouse, and child, updated as ages change under plan rules.
Age reduction schedules
Coverage steps down at the thresholds your plan defines, without a manual update.
Scheduled rate changes
Set once and left alone. Deductions update on schedule with nobody logging in to push them.
Start with one client. Judge us on that.
No platform-wide commitment to find out whether we are the right partner.
Opportunity and risk assessment
We review your book, current tech, and service load to find where administrative risk and lost hours actually sit.
A plan with the numbers attached
You get a scoped recommendation with the cost, the timeline, and the hours it gives back, before anything is signed.
One-client test drive
We deploy and run a single client group end to end. If it works, we scale. If it does not, you have lost nothing.
We're not your competition.
On benefits administration engagements we take no carrier commissions and hold no book of business. Your client stays your client. What you pay us for the platform and the desk behind it is our only revenue on this work.
We do place insurance, for one defined segment: Indian companies building U.S. operations. We don't place business for advisor clients. Ever.
What partnership looks like in practice
"I have never had such a positive experience with a platform solution. Your nimbleness and white glove service is bar none."
Different problem for the owner, the HR manager, and the broker
A hidden cost center, removed
Benefits administration quietly consumes premium HR hours and creates liability nobody has priced. Moving it to us converts that into a known line item.
Book a MeetingStop being the benefits help desk
New hires, qualifying events, terminations, and the questions that follow all run through a defined workflow staffed by our specialists.
Book a MeetingWe enable your team, we do not replace it
You keep plan design, renewals, and the carrier strategy. We take the operational administration that is eating your account service capacity.
Book a MeetingEliminating the workload, reducing the risk
We prepare, file, and distribute 1094-C and 1095-C forms, and we submit on time. The tracking runs all year so year-end is a review, not a reconstruction.
Affordability assessment
We calculate affordability from each employee's pay and contribution, so you know where you stand under safe harbor before the IRS does.
Variable hour tracking
Hours are tracked to determine full-time status accurately, which is where misclassification penalties usually start.
Issues flagged early
Potential exposure surfaces while there is still time to correct it, rather than in response to a notice.
Regulatory updates
Rules change. We track the guidance and update plan configuration so you do not have to monitor it.
A boutique technology partner, on purpose
Workforce Junction has spent two decades building custom benefits solutions for companies large enough to need real infrastructure and small enough to be ignored by the vendors that sell it. We only take on relationships where our values match.
empowering technology, with wisdom and service®
Relationships first
We invest time, attention, and judgment into long-term, win-win relationships. Technology is worth little without them.
Confident humility
We are clear about what we know and honest about what we do not. That is what makes a genuinely custom solution possible.
Integrity always
Integrity is in who we are, who we work with, and what we deliver. It is the asset we protect above all others.
Answers before the call
If yours is not here, ask us directly. We reply within one business day.
No. We connect to any payroll platform that supports a connection, so demographic and wage data flows in and deductions flow back without manual entry. Your payroll stays where it is.
Yes, and it usually works best that way. The advisor keeps plan design, renewals, and carrier strategy. We take the administration and give the advisor access to benefits data without payroll access.
It depends on plan complexity and carrier count. Straightforward groups can launch in days; larger custom builds are scoped during the assessment, with the timeline given to you before anything is signed.
Our benefits specialists do, by phone, email, or text, in your branding. Employees reach a person who knows your plan rather than a general support queue.
Yes, the enrollment platform can be viewed in multiple languages, and the benefits desk is bilingual, English and Spanish.
We implement everything on the system based on the plans and strategy you determine. Plan changes, carrier switches, and deduction schedule updates are done by our team at every renewal.
Variable hour tracking, eligibility monitoring, affordability assessment, and preparation, filing, and distribution of 1094-C and 1095-C forms.
See the platform on your own client data
A 30-minute working session, not a canned pitch. Bring one group and we will show you exactly how it would be configured, serviced, and priced.