Bindly Group Concierge

A private chat assistant for every employee, mobile + web. It answers benefits questions by reading your group's actual plan documents, formularies, and network directories — not generic content. If the assistant is not confident, it hands off to a licensed Bindly agent. HR gets fewer drive-by questions; employees get answers in 30 seconds at 11pm on a Tuesday.

Retail equivalent

$2–4 per EE per month

Solves

HR: "Employees come to me with random benefits questions all day." Bindly: every question routed to an assistant that knows your plan, with a human safety net.

Bindly owns the calendar. Form 5500, SAR, SBC distribution, CHIP notices, RxDC reporting, gag-clause attestation, OEP communications — every deadline is tracked centrally and your team is reminded ahead of time. Filings we can do for you, we do. Filings that require your signature, we hand to you with everything pre-prepared.

Retail equivalent

$3–6 per EE per month at most ben-admin platforms

Solves

HR: "Compliance deadlines come and go and I'm always finding out late." Bindly: 30/14/7/1-day reminders for every deadline, and we pre-fill what we can.

When an EE gets a surprise out-of-network bill or a denied claim, they reach Bindly — not HR. A licensed advocate works the appeal, applies No Surprises Act protections, and negotiates with the carrier and the provider. We track every case end to end with a written savings outcome. HR is no longer the unwilling middleman.

Retail equivalent

$1–2 per EE per month at standalone advocacy firms

Solves

EE: "I got a $9,000 bill the carrier won't explain." Bindly: case opened, appeal filed, settled. HR sees the outcome; the EE never has to navigate the carrier.

Every ERISA-covered plan needs a wrap document and (for ≥100-participant plans) a Form 5500. We draft the wrap, keep it current as benefits change, and file the 5500 with a DOL receipt. If you currently have neither, we backfill what we can and put a clean process in place going forward.

Retail equivalent

$500–1,500 per filing at compliance vendors

Solves

HR/CFO: "Are we even ERISA-compliant?" Bindly: yes, with documentation you can show in an audit.

Bindly distributes SBCs at enrollment, on demand, and at the legally required cadence, plus SAR after each plan year's Form 5500. Every send is logged so you can produce an audit trail in seconds. We track who received what and when, including for new hires and COBRA continuants.

Retail equivalent

$1–2 per EE per year at ben-admin platforms

Solves

HR: "Did we send SBCs to everyone? I have no idea." Bindly: yes, here's the log.

Six months before renewal, your CFO gets a report comparing your plan cost, design, contribution strategy, and utilization against peer groups in your industry, size band, and geography. This is the document you bring to the renewal meeting — leverage instead of surprise.

Retail equivalent

$2,500–10,000 per report from consulting firms

Solves

CFO: "How do I know our plan is competitive?" Bindly: peer benchmark every July, with named recommendations.

Every covered employee gets a Bindly app: digital ID card synced to Apple/Google Wallet, network search, claim and EOB history, deductible/OOP tracker, and one-tap access to the AI chat and a human Bindly advocate. New hires onboard themselves in 90 seconds.

Retail equivalent

$1–2 per EE per month at carrier-portal alternatives

Solves

EE: "Where's my insurance card? I'm at the pharmacy." Bindly: it's in your wallet.

Same mobile app as Tier 0, branded as a first-party employer experience. EEs see your company name and design, not Bindly. Adoption rates jump materially with custom branding.

Retail equivalent

$2–4 per EE per month at white-label vendors

Solves

HR: "We invest a lot in our employer brand — generic vendor apps undermine that." Bindly: white-labeled experience.

Bindly meets with your CFO quarterly and walks through the renewal trajectory using your actual claims data. Top utilizers (de-identified), top cost categories, network leakage, plan-design what-ifs, and a 90-day-out renewal forecast. You walk into the renewal meeting with leverage.

Retail equivalent

$5,000–15,000 per QBR at consultancies

Solves

CFO: "Health insurance is our second-biggest line item with zero visibility." Bindly: quarterly data review with named recommendations.

Every year, we model whether your group is a candidate for a group medical captive — risk profile, expected savings, capital requirements, exit options. If yes, we introduce you to a captive manager. If no, we tell you why and revisit in 12 months.

Retail equivalent

$10,000–25,000 from captive consultants

Solves

CFO: "Should we be in a captive?" Bindly: here's the modeling, refreshed annually.

Individual Coverage HRA and Qualified Small Employer HRA are powerful alternatives for the right group. We model EE-by-EE impact, regulatory implications, and rollout logistics — including the individual-market quoting on the back end (we are the individual broker too, which makes this seamless).

Retail equivalent

$5,000–10,000 from ICHRA consultancies

Solves

CFO: "Could we move to defined-contribution and what would it cost?" Bindly: complete model with rollout plan.

For self-funded groups, we broker your specific and aggregate stop-loss, monitor lasered conditions through the plan year, and aggressively negotiate the renewal. We don't just place the cover — we manage it.

Retail equivalent

carrier-paid commission; no out-of-pocket cost

Solves

CFO: "Our stop-loss renewal jumped 40% and I don't know why." Bindly: we know why, and we negotiated.

Most EEs underestimate their benefits value by 30–50%. We generate an annual personalized statement showing base pay, employer-paid premium, retirement match, PTO value, voluntary benefits, and any equity. Retention tool with measurable lift.

Retail equivalent

$3–8 per EE per year at total-rewards vendors

Solves

HR: "Our EEs don't realize how much we invest in them." Bindly: annual statement that shows the full picture.

Every EE-facing artifact — SBCs, OE materials, claim notices, plan summaries, app content — available in English and Spanish out of the box. Additional languages on request for manufacturing, hospitality, agriculture groups.

Retail equivalent

$1,500–5,000 per OE cycle at translation vendors

Solves

HR: "40% of our workforce reads better in Spanish — none of our broker materials reflect that." Bindly: bilingual by default.

We measure your mental-health benefit performance against industry peers — EAP utilization, network adequacy, parity compliance — and surface specific recommendations (vendor swap, expanded virtual access, manager training). Real numbers, not theater.

Retail equivalent

$3,000–8,000 per analysis at benefits consultancies

Solves

HR/CFO: "Are we doing enough on mental health?" Bindly: here's the benchmark and three concrete improvements.