What do you want to accomplish?
Start with the outcome you need. Employer Benefits IQ will guide you to the next best tool, analysis, or decision path for your situation.
Start with your situation
Let your priorities choose the next step
Answer a short assessment and get a personalized Benefits IQ Score™ across 12 performance domains. Then we’ll route you to the tools that matter most for your situation.
Start with the outcome, not the tool
You do not need to know which analysis to run. Pick what you want to improve, and we’ll point you in the right direction.
Tell us what’s happening
Choose your goal, plan type, and timing. We’ll recommend the best place to begin.
Build a clearer renewal strategy before costs lock in
Start with your renewal picture. We’ll guide you from cost drivers to negotiation priorities and the next best analysis.
Find the pharmacy cost levers worth investigating
Understand PBM performance, model savings opportunities, and identify the next action based on your plan’s pharmacy spend.
See whether self-funding fits your organization
Work through readiness, risk, and funding options in a practical sequence instead of trying to choose the right tool first.
Get an employer-side AI review of your plan contracts
Upload your PBM agreement, stop-loss policy, SPD, or LTD contract and receive a scored, issue-spotted report with negotiation priorities — in minutes.
Side-by-side vendor intelligence across 8 categories
Compare PBMs, TPAs, stop-loss carriers, captives, navigation vendors, cancer solutions, MSK vendors, and virtual care platforms on hundreds of data points.
See how your plan compares to market data
Run a free benchmarking analysis, use the interactive benchmark analyzer, or check your Benefits IQ Score™ against industry peers.
Project costs, savings, and ROI before you commit
Model pharmacy savings, renewal cost trajectories, benefits ROI, and per-employee cost estimates — all with employer-specific inputs.
Verify your plan meets ACA, ERISA, HIPAA & COBRA requirements
Run a compliance checklist, generate a state-specific compliance report, or use the Benefits IQ Checkup™ to identify gaps before your next renewal.
Assess readiness for self-funding, captives, and alternative strategies
Use scored readiness assessments to evaluate whether self-funding, a medical captive, or alternative funding arrangements are right for your organization.
Want a step-by-step plan?
Pick your situation and get the right tools in the right order.
Browse the full tool library
If you already know what you need, search and filter the complete library of employer benefits tools.
EBIQ Analyzer™
4 toolsUpload your plan contracts and get an employer-side AI review with scored findings and negotiation priorities.
SPD IQ™
AI review of your Summary Plan Description for ERISA issues and participant protections.
PBM Contract IQ™
Employer-side review of PBM pricing, rebates, audit rights, and termination provisions.
Stop-Loss Contract IQ™
Review stop-loss contract basis, lasers, aggregate terms, and terminal liability.
LTD Contract IQ™
Group LTD policy analysis covering disability definitions, benefit economics, and offsets.
Vendor Comparison
11 toolsSide-by-side comparison of PBMs, TPAs, stop-loss carriers, and specialty vendors on hundreds of data points.
PBM Comparison
47+ PBMs · 241 fields · AI-assisted analysis of your top choices.
TPA Comparison
20 TPAs · 3,197 facts · EAV database with AI-powered comparison.
Stop-Loss Comparison
20 carriers · 154 provisions · AI analysis of your top stop-loss options.
Medical Captive Comparison
10 vendors · 22 provisions · compare medical captive arrangements.
Cost-Containment Vendor Advisor
93 vendors · 20+ categories · AI-powered matching for imaging, infusion, pharmacy, surgery, MSK, and more.
Navigation Vendor Comparison
10 vendors · 744 attributes · 18 categories of navigation vendor data.
Cancer Solution Comparison
10 vendors · 553 provisions · 21 categories of cancer benefit data.
MSK Vendor Comparison
15 vendors · 568 fields · 14 categories of musculoskeletal benefit data.
Virtual Care Comparison
20 vendors · 21 fields · 6 pillars of virtual care platform data.
Specialty Pharmacy Comparison
10 vendors · 6 strategy models · alternative access, copay optimization, specialty PBM, and more.
Network Comparison
Compare network options, provider access, and cost-sharing design for self-funded plans.
Calculators
9 toolsProject costs, estimate savings, and model the financial impact of plan design changes before you commit.
PBM Savings Calculator
Estimate pharmacy savings from PBM contract improvements and rebate optimization.
Renewal Impact Calculator
Project multi-year cost trajectory and model the impact of plan design changes.
Benefits ROI Calculator
Quantify the ROI of wellness programs, prevention initiatives, and plan design changes.
Plan Cost Estimator
Estimate total plan costs by employee demographics, plan design, and funding type.
Rx Cost Estimator
Project pharmacy spend by PEPM inputs and specialty drug exposure against market benchmarks.
Prescription Price Navigator
Compare cash-pay prices across Cost Plus Drugs, GoodRx, Amazon Pharmacy, Walmart, and 7 other sources. Find the lowest verified price for any medication.
Prescription Savings Pathway Finder
Find manufacturer PAPs, copay cards, discount aggregators, and government programs for any medication — ranked by fit for your coverage type.
Stop-Loss Sizing Tool
Determine recommended specific and aggregate attachment points based on your claims data.
ACA Penalty Estimator
Estimate 4980H(a) and 4980H(b) penalty exposure based on ALE status, FTE count, and coverage offered.
Assessments
5 toolsScored assessments of your benefits program maturity, risk profile, and readiness for alternative funding strategies.
Benefits IQ Checkup™
Free 5-step scored assessment of your current plan across 6 dimensions.
Self-Funding Readiness
Scored assessment of your organization's readiness to self-fund health benefits.
Captive Readiness
Evaluate whether a medical captive arrangement is right for your organization.
Benchmark Analyzer
Interactive tool to compare your plan costs and design against industry benchmarks.
Benefits Maturity Assessment
Score your benefits program across 6 maturity dimensions and identify the highest-leverage gaps.
Compliance
5 toolsACA, ERISA, HIPAA, and COBRA compliance checklists with state-specific guidance and employer-size filters.
Compliance Checklist
ACA, ERISA, HIPAA & COBRA compliance checklist with employer-specific guidance.
State Compliance Tool
State-specific compliance checklist with PDF export for your plan year.
Compliance Health Check
Identify ACA, ERISA, HIPAA, and COBRA compliance gaps before they become costly penalties.
CAA 2026 Compliance Assessment
Score your health plan across all five CAA pillars: transparency, MHPAEA, No Surprises Act, gag clause attestation, and broker disclosure.
Compliance Vendor Comparison
Compare compliance vendors across key dimensions to find the right fit for your plan.
Analysis
13 toolsQuestionnaire-based analysis tools that assess your current vendor relationships and identify cost-saving opportunities.
PBM Analysis
Assess your PBM contract transparency, pricing, rebates, and clinical management.
Renewal Analyzer
5-step wizard that scores your renewal reasonableness and models alternative scenarios.
Contribution Optimizer
Optimize employer/employee contribution splits across multiple plan tiers and scenarios.
Plan Design Optimizer
Model HDHP/HSA, HRA, and plan design changes with side-by-side cost projections.
GLP-1 Strategy Tool
Model GLP-1 drug costs and build a coverage strategy with clinical criteria and guardrails.
High-Cost Claim Strategy
Classify high-cost claimants and build targeted case management and COE strategies.
ICHRA Analyzer
Score ICHRA eligibility, affordability, and compliance for your employee population.
Fee & Compensation Analyzer
Upload broker and vendor disclosures for AI-powered ERISA 408(b)(2) transparency scoring.
HR Technology Advisor
Get matched to the right HR tech vendors based on your size, pain points, and priorities.
Total Benefits Portfolio
Audit your complete benefits package across 6 strategic pillars and identify gaps vs. market benchmarks.
Claims Analyzer
Upload claims data and run 25 analysis modules covering cost, Rx, utilization, and population health.
RFP Builder
Build a professional benefits RFP in minutes from 75+ library questions across 8 vendor categories.
Benefits Strategy Builder
Build a prioritized 12–36 month benefits roadmap with conflict detection and cross-tool wiring.
Not sure where to start?
Take the free 5-minute Benefits IQ Checkup™ and get a scored assessment with recommended next steps.
Start free checkup