For brokers
A modern card you can sell without a plan fight
Clients want fewer cards and a product that feels current. Start with programs that need no plan document. Keep the TPA on paperwork. Expand at renewal with a story that survives the room.
The problem
Clients are tired of legacy benefit cards that feel outdated and confusing. But nobody wants a mid year rewrite or a political fight with the incumbent TPA. You need a land motion that is sellable tomorrow and a renewal path that consolidates the experience without drama.
A land motion for this quarter
Commuter, LSA, wellness, and statutory go live without forcing a plan year change or replacing the document partner on day one.
Scope language that holds in diligence
Published do and do not list. We run the modern card layer. The TPA keeps testing and documents. You can put that in writing.
Product demos that beat slide decks
Split authorizations and explained declines are live proofs. Clients see modern software, not another plastic vendor.
What changes
A story that survives the TPA meeting
You are not proposing to replace documents. You are proposing a better member product.
Something clients can feel
Virtual card on day one, mobile wallets, multi wallet routing. Visible upgrade over the legacy stack.
Statutory openings
Agencies and contractors with compliance pressure often move first and prove the platform.
What stays with your partners
- Current TPA / document vendor relationship
- Plan design and testing ownership
- Employer’s existing ERISA counsel
- Broker of record dynamics you already manage
How you start
- Introduce commuter + LSA on one modern card
- Add statutory where the client has exposure
- Day one virtual cards that reduces wrong card tickets
- Clear RFP language for multi wallet routing
How you expand
- Open enrollment: move FSA/HRA onto the same card
- Incumbent keeps paperwork
- Split auth and explained declines as proof points
- One vendor conversation for finance
Scope boundary
Modern card software. Not another TPA.
We run the modern card layer. Plan documents, testing, and ERISA work stay with the partners who already do them.
We do
- Card issuing and processing
- Multi wallet routing
- Substantiation, automated and reviewed
- Member support
- Admin portal and reporting
- Funding, settlement, and reconciliation
- Audit packets for wage law programs
- Eligibility and contribution integrations
We do not
- Plan documents, SPDs, or wrap documents
- Nondiscrimination testing
- Form 5500 preparation
- COBRA administration
- ERISA advisory or plan design
- Brokerage or fiduciary services
Frequently asked questions
Straight answers for this audience. Not legal advice.
How do I position this against the incumbent TPA?
Lead with the published scope boundary: we run the modern card; they keep documents and testing. Land motion proves it.
What materials can I use in a pitch?
The interactive routing demo, program catalog by start path, and Insights guides on land and expand and RFP questions.
Map a land and expand path
Bring a case. We will sketch what lands now, what waits for renewal, and what the TPA keeps.