Insynctive review for benefits brokers: pricing, carrier feeds and enrollment
Insynctive gives brokers, TPAs and PEOs a branded enrollment portal they run for many employer groups. It sends elections to carriers and keeps employee data in step with ADP Workforce Now.
It fits groups of 50 to 500 or more employees. Benefits administration is $4.50 an employee a month plus a one-time setup fee.
- Best for
- Brokers, TPAs and PEOs that want their own branded enrollment portal for many groups
- Type
- White-label benefits administration
- Group size
- Employer groups of 50 to 500+ employees
- Price
- $4.50 an employee a month for benefits administration, plus a one-time setup fee
- Who pays
- The client on the contract, often a broker who resells it
- Carrier feeds
- Carrier APIs and eligibility imports included. 834 files (the standard enrollment file carriers accept) sent by EDI (electronic data interchange) transfer cost extra, price not published
- ACA and COBRA
- ACA forms and COBRA tracking. Filing and premium collection aren't included
- Demo or trial
- Demo on request. No trial
Our take
Insynctive is for a broker who wants clients to see the broker's brand, not the vendor's. Each group gets its own carrier feeds, rules and staff access under your web address.
It works best when clients run payroll on ADP Workforce Now. The per-employee setup fee adds up on large groups, so price the first year before you sign.
Pros
- Full white label with your logo, colors and web address
- Two-way sync with ADP Workforce Now
- Carrier bills are checked against eligibility files before you pay
- Prices are on the website
Cons
- 834 files by EDI transfer cost extra, price not published
- Setup costs $9 an employee on benefits administration
- No IRS filing or COBRA premium collection described
- Terms give Insynctive a broad license to posted content
Plans and pricing
| Plan | Per employee a month | One-time setup per employee | What it adds |
|---|---|---|---|
| Comprehensive Benefits AdministrationEnrollment for many employer groupsWhere most brokers start | $4.50 | $9 | Branded portals, carrier data files and two-way ADP Workforce Now sync |
| Smart HR WorkflowsOnboarding and HR paperwork only | $4 | $8 | Checklists, document templates and e-signatures |
| All-In-One HR SuiteBenefits plus HR workflows | $8.50 | $17 | Both of the above in one plan |
Prices as of October 2026, from insynctive.com.
Good to know before you buy
- A group of 100 employees on benefits administration pays $900 in setup before the first month.
- The workflow and suite price can rise with the number of workflow checklists you need.
- 834 files sent by EDI transfer are an add-on with no published price. Carrier APIs and eligibility imports are included.
- Brokers can charge clients their own platform fee on top.
Reseller program
Brokers and other resellers can join a program with revenue splits, profit sharing and commissions. The rates aren't published.
Which plan has it
| Feature | Benefits Administration | Smart HR Workflows | All-In-One |
|---|---|---|---|
| Branded employee and admin portals | |||
| Two-way ADP Workforce Now sync | |||
| Benefits enrollment | |||
| Carrier APIs and eligibility import | |||
| 834 files by EDI transfer | Add-on, price not published | ||
| Workflow checklists | Up to 10 | Up to 10 | |
| Document templates | Up to 20 | Up to 20 |
Who buys it and who pays
- Who signs the contract
- The client on the Licenses and Services Agreement, a broker, TPA, PEO, association or employer
- Who pays
- That client, per employee each month plus setup
- Broker compensation
- Reseller revenue splits and commissions. Brokers can also add their own fee
- Reseller or white label
- Yes. Your logo, colors and web address on the employee portal
Your clients sit inside your account. Each employer group is its own tenant under your brand. Before you sign, get in writing how a group's data moves if it leaves you.
Enrollment and administration
Employees enroll from a phone browser with no app, then sign. Insynctive fills in the carrier forms, the broker reviews them and approved data goes to the carrier.
Employee enrollment
- Open enrollment, new hires and life events
- Mobile browser enrollment with e-signature
- Premium payment by ACH or card
HR and broker tasks
- Plans, rates, classes and contributions set per group
- Seasonal, union and multi-EIN groups
- Premium bills checked against carrier eligibility files
- HR or finance approval of each bill
Carrier connections
| Carrier or feed | Type | Direction | Who builds it | Cost |
|---|---|---|---|---|
| Batch carrier files | 834 by EDI | To the carrier, nightly or weekly | Insynctive's data team | EDI add-on, price not published |
| Carrier APIs | API | Both ways, within minutes | Insynctive's data team | Included |
| Eligibility file import | File | From the carrier | Insynctive's data team | Included |
| Regional and state plans | 834 by EDI clearinghouse | To the carrier | Insynctive's data team | Ask whether the EDI add-on covers it |
Insynctive names more than 20 national carriers, including Aetna, Cigna, UnitedHealthcare, Kaiser Permanente, MetLife and Guardian. The method for each carrier is set during setup, and Insynctive says it can connect to vendors you already use in under 30 days.
Payroll and HR connections
| Connects to | What moves | Direction | How |
|---|---|---|---|
| ADP Workforce Now and ADP TotalSource | Name, contact details, job, location, pay rate and hours | Both ways | ADP Marketplace connector, live or scheduled |
| Other payroll and benefits vendors | Elections and deductions | To the vendor | CSV, EDI or API |
ADP stays the main employee record for groups on ADP. Deduction codes are mapped during setup.
ACA and COBRA
- ACA reporting
- Counts full-time staff through the year and builds 1094-C and 1095-C forms
- COBRA
- Tracks COBRA by group. A termination can create the COBRA notice the same day
- Other forms
- I-9, W-4, state withholding, FMLA and state paid leave tracking
- Who does the work
- Your team, with the software. Insynctive doesn't describe IRS filing or COBRA premium collection
Getting started
Book a demo
Fill in the request form.
Sign the agreement
The Licenses and Services Agreement covers each client.
Brand and connect ADP
Insynctive authorizes the ADP connection and sets up your portal.
Build the first carrier feed
Insynctive's team builds and tests it.
Launch the first group
Insynctive says the first group is steady in four to six weeks, and later groups take two to three weeks.
Your data and broker changes
- Who owns the data
- The client. Insynctive's terms also give it a broad license to use posted content
- Export
- Documents export by type, date and employee
- ADP groups
- ADP stays the main record, so employee data also lives there
- Restoring data
- Possible on request for a fee. Keep your own backups
Security and HIPAA
HIPAA and health data
Insynctive says its BAA terms are available to review during an evaluation. Ask for them before you sign.
Security
- SOC 2 Type II, says Insynctive
- Single sign-on with ADP
Contract terms
- Missed payments
- Insynctive can suspend or end access
- Law
- California, with courts in San Francisco County
- Terms changes
- At least one week's email notice
Insynctive alternatives
- BerniePortalFrom $5 an employee a month, plus a base feeCOBRA and 1095 filing done for you
- Employee NavigatorQuote onlyUnlimited groups and self-service carrier enrollment files
- SelerixQuote onlyWhite-label BenSelect for resellers and PEOs
- PlanSourceQuote onlyResellers keep the client relationship on a large-group platform
See every option in employee benefits software.
Frequently asked questions
How much does Insynctive cost?
Benefits administration is $4.50 an employee a month plus $9 an employee in setup.
Can I white-label Insynctive?
Yes. The portal carries your logo, colors and web address. You can add your own fee too.
Does Insynctive work with ADP?
Yes. It syncs employee and pay data both ways with ADP Workforce Now and ADP TotalSource.
Which carriers get enrollment data?
Insynctive sends 834 files or API data to national carriers such as Aetna, Cigna and UnitedHealthcare, plus regional plans through clearinghouses. 834 files by EDI transfer cost extra, and the price isn't published. Carrier APIs are included.
Will Insynctive sign a BAA?
Insynctive says its BAA terms are available to review during an evaluation.
How we researched this review. We based this review on the pricing, terms and product pages published by Insynctive, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Insynctive quit selling or a contract term that reads different now, let us know and send the link to the page where Insynctive has it. Somebody here pulls up that page and checks it before we change anything on ours.