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.
Why this conversation starts
Clients are tired of benefit cards that feel outdated and confusing. Nobody wants a mid year rewrite or a political fight with the incumbent TPA. You need a land motion you can sell this quarter, and a renewal path that consolidates the experience without drama.
A land motion for this quarter
Commuter, LSA, wellness, and statutory can start without forcing a plan year change or replacing the document partner.
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 you can show, not a slide about disruption
Walk a transaction. Show what the member and support each see. That is more useful than a claim about the market.
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 access when funding clears. Mobile wallets. One credential. A visible upgrade over the last generation 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 and LSA on one modern card
- Add statutory where the client has exposure
- Virtual cards that cut wrong card tickets
- Clear RFP language for the card layer
How you expand
- Open enrollment: move FSA and HRA onto the same card
- Incumbent keeps paperwork
- Show the transaction, not a slide about disruption
- One vendor conversation for finance
Scope boundary
Modernize the card. Keep the book.
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
- Member access and transaction context
- 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 transaction demonstration, 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.