How Much Does Employee Benefits Software Cost?
Three of the 14 benefits platforms here put prices in dollars on their sites. 11 price by quote only.
Two vendors publish a price per employee a month, from $4.50 to $5. Every price is dated October 2026.
Pricing models
Of the three that price in dollars, one charges only per employee in the client group (Insynctive), so the bill grows with the group. One charges only for each person who uses it (Plansight), so the bill grows as you add people. One charges per employee in the client group plus a base fee (BerniePortal), so its bill has a floor.
Published prices by vendor
We list these in the default order built on trust factors. A higher spot is not a quality ranking.
| Vendor | Plan or item | Price | Unit | As of |
|---|---|---|---|---|
| BerniePortal | Starter, plus a $25 base fee | $5 | employee a month | October 2026 |
| BerniePortal | Standard, plus a $40 base fee per EIN | $19 | employee a month | October 2026 |
| BerniePortal | Plus, plus a $40 base fee per EIN | $23 | employee a month | October 2026 |
| BerniePortal | Enterprise, plus a $40 base fee per EIN | $29 | employee a month | October 2026 |
| Insynctive | Smart HR Workflows (buyers without benefits enrollment only) | $4 | employee a month | October 2026 |
| Insynctive | Comprehensive Benefits Administration | $4.50 | employee a month | October 2026 |
| Insynctive | All-In-One HR Suite | $8.50 | employee a month | October 2026 |
| Plansight | SmartSheetingAI Mid-size business (10 user licenses) | $15 | user a month, billed annually | October 2026 |
| Plansight | SmartSheetingAI Small business (five user licenses) | $20 | user a month, billed annually | October 2026 |
| Plansight | SmartSheetingAI Professional (one user) | $25 | user on the one-user plan, billed annually | October 2026 |
Add-on prices are not listed here. Each profile lists them.
Published fees and pricing terms
Five of the 14 describe fees on top of the plan price. The rest publish none, so they are left out of the table.
Vendors appear in our default order, which follows trust factors and says nothing about quality.
| Vendor | Fees on top of the plan price |
|---|---|
| BerniePortal | Base fee: $25 on Starter, $40 per EIN on other plans. Ask how often the base fee is billed. Carrier Exchange: $0.95 per enrolled employee a month for the first carrier, $0.45 for each added carrier. COBRA: 2% added to the COBRA premium, paid by the member. |
| Employee Navigator | 834 carrier files: $0.45 an employee a month on Enhanced Plus and Elite, included on Platinum. The vendor says other fees may apply, so ask for the full list in writing. ACA filing: $5.20 down to $1.60 a federal e-filing, by volume. |
| Insynctive | 834 files by EDI transfer are an add-on with no published price. |
| Businessolver | COBRA: 2% of the premium, paid by each COBRA enrollee. |
| Plansight | SmartSheetingAI usage: $2 a line of coverage after the trial, billed monthly. |
Why rates differ
BerniePortal and Insynctive prices rise with the plan you pick. Plansight's price per user falls as you add users.
Setup and one-time fees
Three of the 14 list a setup, onboarding or other one-time fee, each with a price. Count any one-time fee in your first-year budget.
- Employee Navigator. New 834 carrier setup: $750 one time to add a carrier that isn't on the preset list.
- Insynctive. Setup fee: $9 per employee on Comprehensive Benefits Administration, $8 on Smart HR Workflows and $17 on the All-In-One HR Suite.
- ALEX by Jellyvision. Extra or rush setup round: $5,000 for each setup round beyond those included, or for a rush round.
Contract terms
The contract decides what you pay over time and what it costs to leave. Read the term, the renewal rule and the notice period before you sign. BerniePortal, Empyrean, Insynctive, PlanSource, bswift, Selerix and four more publish no contract terms, so they are not listed.
The default order goes by trust factors. It is not our pick of the best.
| Vendor | Contract |
|---|---|
| Employee Navigator | Set in the order, or one year if the order is silent |
| Businessolver | Set in the Order Form |
| Plansight | PlansightAI initial term set in the Customer Agreement |
| ALEX by Jellyvision | One year, renewing for one-year terms unless either side gives 60 days' written notice |
Vendors that quote
Quote only. Empyrean, Employee Navigator, PlanSource, Businessolver, bswift, Selerix, Benefitfocus Benefitplace, Nayya, ALEX by Jellyvision, Brite and Zywave price by quote. Ask for the full first-year cost in writing, with every fee.
Add-on prices only. Employee Navigator publishes add-on prices but not the price of the base plan. Its profile lists them.
Frequently asked questions
How much do benefits platforms cost?
Three of the 14 benefits platforms on this page publish prices in dollars. The most common unit is per employee a month, used by two, with starting prices from $4.50 to $5. 11 price by quote only.
Which benefits platforms charge per person?
Plansight publishes a price per person. BerniePortal and Insynctive charge per employee in each client group instead.
Are add-ons included in these prices?
No. These prices leave add-ons out. Each vendor profile lists them.
Why do so few benefits platforms publish prices?
11 of the 14 set the price in a quote or an agreement, so a number on a website is the exception here. Whichever one you call, ask for the full first-year cost in writing and make sure the setup fees and the contract term are in it.
Where do these figures come from?
They come from the vendors' own pages and are as of the month shown. If a vendor did not publish something we left it out.
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.