For employers • Group health
Health insurance that takes work off your desk.
Bindly Group Concierge: 22 services your current broker probably doesn't include — open enrollment, COBRA, 1095 filings, employee benefits help, claims advocacy, quarterly CFO reviews. Switching takes one signature. We do everything else.
- LicensedAZ Life & Health
- License #3002749351
- ComplianceBAA + HIPAA-aligned
- E&O$1M policy carried
The honest version
Brokers love to talk about premium savings. You can't bank promises.
Here's what HR and CFOs actually need — and what Bindly does about each one, in writing.
- HR
“Open enrollment is 3 weeks of pure stress every year.”
Bindly: We run OE for you — agents on-site or on Zoom, EE communications, enrollment, post-OE audit.
- HR
“Employees come to me with random benefits questions all day.”
Bindly: Employees text our 24/7 AI chat — answers from their own plan documents. Falls back to a human Bindly advocate.
- HR
“Compliance deadlines come and go and I'm always finding out late.”
Bindly: We track every deadline and remind you 30/14/7/1 days out. Nothing gets missed.
- HR
“When someone leaves, COBRA is a nightmare.”
Bindly: We handle 100% of COBRA admin. Every qualifying event, every notice, every election, every premium.
- CFO
“Health insurance is our 2nd-biggest line item with zero visibility.”
Bindly: Quarterly business reviews with real data — claims trends, top cost drivers, predictive renewal.
- CFO
“The renewal letter says +18% and I have no way to push back.”
Bindly: We model renewals 90 days out using your actual claims data. You walk into the renewal meeting with leverage.
- HR
“Onboarding takes forever because of benefits paperwork.”
Bindly: Our licensed agents run the 15-minute onboarding call for every new hire.
- HR
“Our remote employees in 12 states make benefits chaos.”
Bindly: We're licensed in every state your team works from. Multi-state plan options and compliance is our job.
- CFO
“Wellness ROI — does it even exist?”
Bindly: We design and measure your wellness program. Real numbers, quarterly. If it's not working, we kill it.
The Concierge bundle
22 services. Three tiers. Yours by headcount.
Every Bindly group gets the Tier 0 essentials. Larger groups unlock more as they grow. There is no cost to your employees and no separate invoice — these services are paid for by the carrier commission we already earn for placing your coverage.
Tier 0
All groups
Every Bindly group gets these — any headcount.
- #124/7 EE Benefits AI Chat
Employees text "is this covered?" and get answers from their actual plan documents — without HR.
- #2Compliance Calendar with auto-reminders
Every employer benefits deadline tracked with 30/14/7/1-day reminders. Nothing slips.
- #3Claims Advocacy Desk
Surprise bill, denied claim, balance billing? Employee calls Bindly. We fight the carrier.
- #4ERISA wrap document + Form 5500 filing
Most small/mid groups are out of compliance here. We fix it silently.
- #5SBC + SAR distribution
Quarterly and annual Summary of Benefits Coverage and Summary Annual Report — distributed and audit-logged.
- #6Mid-year benchmarking report
Your plan vs market peers — delivered to the CFO every July.
- #7Mobile EE app
ID cards in a phone wallet, find-a-doctor, ask Bindly chat, view EOBs.
Tier 1
25+ employees
Groups with 25 or more employees unlock these in addition.
- #8ACA 1094-C / 1095-C filing
For ALE groups (50+ FTE) — generated, filed with the IRS, receipted.
- #9COBRA administration (100%)
Every qualifying event → notice → election tracking → premium tracking. We handle all of it.
- #10HRIS / payroll EDI integration
Bindly sets up and maintains the data feeds between your HRIS, payroll, ben admin, and every carrier.
- #11Open Enrollment Management Platform
White-glove OE: on-site or Zoom EE meetings, bilingual comms, enrollment, post-OE audit.
- #12Decision-support tool for OE
"Which plan is right for me?" wizard for every EE — Picwell/ALEX-style.
- #13HR Helpline
DOL, FLSA, FMLA, ADA, USERRA questions answered by attorneys. Resold from a partner firm.
- #14Voluntary Benefits Marketplace
Pet, legal, ID protection, hospital indemnity, accident, critical illness — enrollment + payroll deduct.
Tier 2
100+ employees
Groups with 100 or more employees unlock everything — the full enterprise stack.
- #15Mobile EE app — custom-branded
Your logo, your colors, your benefits.
- #16Quarterly Business Reviews with CFO
Claims trends, utilization, top cost drivers, predictive renewal, what-if scenarios — every quarter.
- #17Captive Insurance Feasibility Analysis
Annual review of whether a group captive makes financial sense for you.
- #18ICHRA / QSEHRA modeling
Model a defined-contribution move off traditional group plans.
- #19Stop-Loss Management (self-funded only)
Broker stop-loss, monitor lasered conditions, run renewal advocacy.
- #20Total Rewards Statements
Annual personalized "here's your total comp value" statements for every EE.
- #21Bilingual EE Communications
Full Spanish; on request, additional languages.
- #22Mental Health Benefit Benchmarking
EAP utilization tracking, vendor sourcing, recommendations.
Built for your industry
We know the failure modes for your kind of business.
Pick the closest match — we'll show you the specific Concierge services we deploy for that industry.
Construction
Multi-state crews, prevailing-wage rules, and turnover that breaks every ben-admin platform. Bindly is built for it.
Transportation & Trucking
Owner-operators, W-2 drivers, dispatch staff — Bindly Insurance already covers your fleet; we can cover your crew too.
Restaurants & Hospitality
Hourly mix, ACA full-time tracking, and an ALE determination you'd rather not think about. Bindly handles it.
Professional Services
Your associates expect benefits as polished as your firm. Bindly delivers a tier-1 employer brand without a tier-1 admin team.
Manufacturing
Shift workers, bilingual comms, and renewal pressure that hits the P&L. Bindly is the broker built for it.
Healthcare providers
Providers, clinical staff, and admin teams — ironically the toughest demographic to insure. Bindly knows the territory.
The BOR letter
Switching brokers is one signature.
A Broker of Record (BOR) letter assigns servicing rights to Bindly. Your plan, your carrier, your rates, your renewal date — none of that changes. Only who picks up the phone.
- 1
Sign the BOR letter
One page. We pre-fill it for you. Your incumbent broker keeps every commission they've already earned — nothing changes for them retroactively.
- 2
Carrier reassigns servicing
Carriers process the BOR within ~14 days. Coverage and rates do not change — only who answers your phone calls.
- 3
Bindly onboards you
We collect plan documents, build your compliance calendar, and run an EE-facing 'welcome to Bindly' campaign.
- 4
We start working
By day 30, your Concierge services are live. Open enrollment, COBRA, advocacy, deadlines — all moved off your desk.
20 minutes. No pitch. Just a tour of what we'd move off your desk.
Tell us about your group and we'll prepare a tailored walkthrough of the 22 Concierge services that would apply to you.