Restaurants & Hospitality
Group health for restaurant operators.
Hourly mix, ACA full-time tracking, and an ALE determination you'd rather not think about. Bindly handles it.
Built for NAICS 722 (Food Services & Drinking Places) and 721 (Accommodation).
- LicensedAZ Life & Health
- License #3002749351
- ComplianceBAA + HIPAA-aligned
- E&O$1M policy carried
Pain points we hear from restaurant operators
Here's what your peers actually deal with — and our answer for each.
“Hourly tracking for ACA full-time determination is a nightmare and your payroll system doesn't do it well.”
Bindly: We track measurement, administrative, and stability periods per IRS rules and flag who needs an offer — before they trigger penalties.
“Front-of-house turnover is brutal; COBRA notices are constant.”
Bindly: 100% of COBRA — every QE, every notice, every premium. You forget it exists.
Backed byCOBRA administration (100%)
“Half your team's first language is Spanish and your current broker emails English-only PDFs.”
Bindly: Bilingual SBCs, OE meetings, ID cards, and app — by default.
Backed byBilingual EE CommunicationsOpen Enrollment Management Platform
“GMs and shift leads can't take time for OE meetings during dinner service.”
Bindly: OE meetings scheduled across off-peak hours; decision-support tool means EEs can complete enrollment on their phone in 7 minutes.
Backed byOpen Enrollment Management Platformdecision-support-tool
“A surprise out-of-network ER bill puts a server in a bad spot. They call you, the GM.”
Bindly: EE calls Bindly's advocacy desk. We work the appeal. GM stays out of it.
Backed byClaims Advocacy Desk
Concierge services
The services we deploy for restaurant operators first.
Every Bindly group gets the full Concierge bundle. These are the ones you'll feel within the first 30 days.
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.
Ready for a tailored walkthrough?
We'll prepare with your industry context already loaded, so we skip the basics and dig into what would actually change for you.