What we do
The whole benefits lifecycle, run by one team.
Combined Benefits Administrators manages the full lifecycle of an employer's benefits program: placing the plan, running the day-to-day administration, handling compliance, and supporting employees year-round. Most brokers do the first step and step back. We do all four.
Benefits run every day of the plan year, and someone has to keep them running.
With most brokers, the relationship goes quiet once the plan is placed. The day-to-day administration falls to your HR team, required compliance can go unmanaged, and employees have no one but HR to turn to with their benefits questions.
CBA is the team that owns all of it. We run the four areas below as one job, so nothing falls through the gaps between them.
One program, not four vendors
Place it, run it, keep it compliant, support the people
These are not four separate services you stitch together from four vendors. They are one continuous job, and CBA runs the whole line.
The four areas we run
- 01 Plan, strategy & renewal We build a long-term strategy to control your annual spend: benchmarking your plan and contributions against employers like you, marketing your renewal to carriers, and giving you an executive summary of the specific moves that make you better. You stop absorbing a black-box increase every year. Read more
- 02 Benefits administration & technology We do the administrative heavy lifting so it does not fall on your HR team: enrollment, payroll integrations, and direct carrier connections, including for employees spread across multiple locations. We start by reconciling your billing. You stop running benefits admin off spreadsheets and email. Read more
- 03 Compliance We make sure your benefits compliance is covered across the year, ACA reporting, COBRA, Section 125, ERISA, and 5500 among them, coordinated for you and kept on time instead of falling through the cracks. You stop discovering a missed filing after the deadline. Read more
- 04 Employee experience We give your employees a real person to call all year and concierge enrollment with live people, so they understand and use their benefits, then we measure each interaction with a short survey. You stop being your own employees’ benefits help desk. Read more
One accountable relationship across the whole benefits program.
Most employers stitch together a broker, an administrator, a compliance vendor, and an enrollment firm. We are all of those, working as one team, so there is no hand-off and no finger-pointing when something needs to get done.
Common questions
How the work fits together
- What is the difference between a benefits broker and a benefits administrator?
- A broker places your insurance with carriers. An administrator runs the ongoing work: enrollment, payroll deductions, carrier changes, and compliance. CBA is both. We run the administration in-house and coordinate your compliance, where most brokers only place the plan and step back.
- Does my broker handle the admin work, or just place the plan?
- Most brokers place the plan and leave the administration to your HR team. CBA runs the administration itself, so the day-to-day work of keeping benefits accurate does not land on you.
- Do I need separate vendors for benefits, compliance, and enrollment?
- No. CBA manages all four areas under one accountable relationship: plan and renewal strategy, administration and technology, compliance, and employee support. One team across the whole year.
Talk with CBA about your benefits plan.
We will review where you stand, what is working, and what may need attention. A review costs nothing.