Employee benefits software for brokers
Benefits software covers three jobs. Quoting tools build group proposals.
Enrollment platforms collect elections and send them to carriers and payroll. Decision support helps employees pick a plan.
We compared 14 platforms on price, who pays, carrier feeds, ACA and COBRA and the payroll systems they connect to. A blank cell means we found nothing published on that point.
- Platforms compared
- 14
- Publish a price
- 3, per employee or per user
- Run ACA reporting
- 8, as software or a service
Quick picks by need
Small group broker who wants a price up front
Per-employee pricing on the website, with COBRA run in the platform.
Broker running enrollment for many groups
Brokers can run or resell it for their clients, with carrier feeds, some at an extra fee.
Quote and propose renewals faster
Builds side-by-side group quotes and branded proposals.
Help employees pick the right plan
Recommends a plan to each employee before they enroll.
Empyrean, Businessolver, Selerix, Nayya, ALEX by Jellyvision, Brite
Handling employee health details
Each offers a BAA or says it acts as a HIPAA business associate. Confirm the terms in your contract.
Quick picks are matched on published features, not ranked. Each list follows our default order.
Compare 14 benefits platforms
| Tool | Starting price | Type | Group size | Who pays | Carrier feeds | ACA reporting | COBRA | Payroll connections |
|---|---|---|---|---|---|---|---|---|
| BerniePortal | From $5 an employee a month, plus a $25 or $40 base fee | Enrollment and HR | Small and midsize | Employer | BerniePortal Payroll401(k) providers | |||
| Empyrean | Quote only | Enrollment and services | Enterprise | Employer | None named | |||
| Employee Navigator | Quote only. 834 feeds $0.45 an employee a month | Enrollment | Subscriber, usually the broker | Via partners | ADPPaylocityPaychexPaycorUKG ReadyBambooHR | |||
| Insynctive | $4.50 an employee a month for benefits, plus setup | Enrollment, white label | 50 to 500+ | Broker, TPA or employer | Forms only | Tracking | ADP Workforce NowADP TotalSource | |
| PlanSource | Quote only | Enrollment and services | 1,000+ employees | Employer or reseller | UKG | |||
| bswift | Quote only | Enrollment and services | About 250 lives and up | Employer or channel partner | WorkdayUKGPaylocityADP Workforce Now | |||
| Businessolver | Quote only. COBRA fee 2% of premium | Enrollment and services | Small to enterprise | Customer on the order form | None named | |||
| Plansight | Quote. SmartSheetingAI from $15 a user a month | Quoting and proposals | 20+ groups | Brokerage or GA | None named | |||
| Benefitfocus Benefitplace | Quote only | Enrollment and services | Employer | ADP | ||||
| Selerix | Quote only | Enrollment, ACA and COBRA | Midsize to large | None named | ||||
| ALEX by Jellyvision | Quote only. Extra setup rounds $5,000 | Decision support and enrollment | Customer on the work order | None named | ||||
| Nayya | Quote only. Carrier-funded access available | Decision support | Employer, PEO or carrier | WorkdayisolvedPrismHR | ||||
| Brite | Quote only | Guides and decision support | Subscribing broker or employer | Gusto | ||||
| Zywave | Quote only | Quoting and proposals | Small to large | Brokerage | None named |
We sort these by our default order, built from trust factors rather than from who pays us. Prices as of October 2026.
See what agencies pay in the cost guide.
Questions to ask before you buy
Who pays, the broker or the employer?
It varies. Some platforms bill the broker, some bill the employer and some are paid by carriers. If a carrier pays, ask whether it can earn fees from the plans it suggests.
Which carriers get electronic feeds?
Ask for the carrier list and who builds, tests and pays for each feed. An 834 file is the standard format for sending enrollments to a carrier.
Does it connect to my clients' payroll?
Check which data moves each way. Deductions should flow to payroll without rekeying.
Who files ACA forms and runs COBRA?
Some vendors do the work as a service. Others give you software and leave filing and notices to you or a partner.
What happens if the group changes broker?
Ask who owns the data and whether the group can move to a new broker without starting over.
Will the vendor sign a BAA?
A BAA (business associate agreement) is the HIPAA contract in which a vendor agrees to protect health details. You need one if the enrollment forms collect health answers.
Frequently asked questions
What is employee benefits software?
Employee benefits software helps brokers and employers quote group plans, enroll employees, send elections to carriers and payroll and help employees choose a plan.
How much do benefits platforms cost?
Three of the 14 benefits platforms on this page publish prices: BerniePortal, Insynctive and Plansight. Two of them price per employee a month, from $4.50 to $5. The cost guide has every published price.
Which benefits platforms offer a free trial?
One of the 14 lists a free trial: Plansight (SmartSheetingAI only, 15 days or six documents).
How is this list ordered?
We start from a default order built on trust factors, which are how many buyer facts the vendor publishes, whether its identity is verified, how openly it shows prices, how long it has been in business and an editorial review. Affiliate and paid links play no part, and a higher spot does not mean a better product. Read how we order vendors.
How we researched this. We based this page on each vendor's published pricing where available, terms and product pages, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.