Every dollar in your benefits package, accounted for
Health Plan Optimizer
HDHP vs. PPO vs. HMO cost modeling: premium + expected out-of-pocket based on your usage pattern. The 'best' plan depends on your health history — we model it for your specific situation.
HSA Maximization
HSA contribution strategy, investment runway, triple-tax-advantage compounding, and catch-up contribution eligibility. The HSA is the most tax-efficient account available — most employees underuse it.
FSA vs. HSA Decision
Dependent care FSA, healthcare FSA, and HSA interaction rules. Use-it-or-lose-it vs. rollover analysis with your specific numbers. The wrong choice costs $500–$2,800 in forfeited funds.
Employer Match Capture
401(k) employer match: the exact contribution to capture the full match. Even 1% left on the table is thousands in lost compensation — the highest guaranteed return you'll ever find.
Total Comp Valuation
Dollar value of every benefit: health premium savings, HSA/FSA, PTO, dental, vision, disability, life insurance, tuition reimbursement, commuter. Most employees undercount by $8,000+.
Enrollment Action List
Priority-ranked action list with estimated dollar value and enrollment deadlines. Critical elections at the top, with exact steps — never miss an election window that costs you benefits access for a year.
TRUSTED BY EARLY USERS · ★★★★★ AVERAGE
Switched from PPO to HDHP + maxed HSA. Saving $2,800/year after accounting for my actual doctor visit frequency.
Found out my employer matches 6% but I was contributing 4%. That's $3,200 in free money I was leaving on the table every single year.
Decoded 47 pages of open enrollment documentation in 8 minutes. The FSA vs. HSA analysis alone was worth $49.
One analysis. Benefits optimized for the year.
Starter
Health plan comparison and HSA/FSA recommendation.
- Health plan cost modeling (HDHP vs. PPO vs. HMO)
- HSA vs. FSA recommendation
- 401(k) employer match calculation
30-day money-back guarantee
Full Analysis
Complete benefits optimization with total comp valuation and priority action plan.
- Everything in Starter
- Dental and vision plan analysis
- Life and disability insurance review
- Total compensation dollar valuation
- Priority-ranked enrollment action list
- Enrollment deadline tracking
- Commuter and tuition benefit analysis
30-day money-back guarantee