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Makin
 
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As bene
emerge
continu
benefit
their cu
 
Today, so
administr
education
more pate
a better, m
 
 Most rec
outsource
expanding
Affordabl
only make
more time
realize tha
technolog
tasks, as w
ongoing r
2013 Bene
Landscape
Outsourci
in 2012.” 
rate in 20
tsourc
ng the r
Whitepaper 
efits admin
e, HR execu
ue handling
s administ
urrent proc
me organizat
ative function
n necessary to
ernalistic and
more persona
ently, howev
e their benefi
g rules and re
e Care Act (h
e benefits adm
e consuming 
at outsourcin
gy needed to 
well as give th
egulatory com
efits Adminis
e and Capabi
ing (BAO) ma
This assessm
14. 
cing B
right de
nistration 
utives find
g these tas
tration or w
cesses in‐h
tions opt to in
ns, in spite of
o perform the
d want to stay
alized experie
er, a number
ts administra
egulations aro
ealth care ref
ministration m
than ever, an
ng can provide
handle the m
hem access to
mpliance. Acc
tration Outso
ility Assessme
rket grew at 
ent went on 
Benef
ecision
becomes m
d themselv
sks interna
whether to
house and 
nsource beca
f the need to 
ese functions
y in close touc
ence for their
r of employer
ation as a dire
ound the Pati
form). The ne
more comple
nd these emp
e the infrastru
myriad benefit
o the expertis
cording to Eve
ourcing (BAO)
ent, “the Bene
a healthy pac
to say that th
fits Ad
more com
ves facing t
ally (“insou
o find a m
outsourcin
use they are 
continually in
. Others choo
ch with their 
r employees.
s have chose
ect result of th
ent Protectio
ew requireme
ex, more costl
ployers have c
ucture and 
ts administrat
se needed to
erest’s Febru
) ‐ Service Pro
efits Administ
ce of 13% to r
he market is e
dmin
plex and n
the tough 
urcing”), w
iddle grou
ng the rest
more comfor
nvest in the t
ose to insourc
workforce, b
n to 
he ever 
on and 
ents 
ly and 
come to 
tion 
ensure 
ary 
ovider 
tration 
reach US$6.1
expected to a
istrat
new requir
decision o
whether to
und, retain
t (“co‐sou
rtable mainta
echnology an
ce because th
elieving that 
 billion in ann
accelerate at a
80 
of compa
outsourc
activity, a
is swiftly 
 
Source: Gart
tion 
rements 
of whether
o outsourc
ning pieces
rcing”).  
aining control
nd the ongoin
hey tend to be
they can pro
nualized reve
an even faste
% 
anies now 
ce at least o
and that n
growing
tner, Inc. 
r to 
e all 
s of 
 of all 
ng 
e 
vide 
nue 
er 
one HR 
umber 
 
 
 
 
 
Not surpr
administr
locations 
Midsized 
benefits t
Many em
advisor w
soliciting t
most emp
of their de
 
 R
 En
 Fr
in
 Im
 Po
se
 P
Sp
(H
 R
 U
p
 
For most 
down to c
executive
that speci
future tre
outsourci
outsource
isingly, large 
ation due to 
and/or the gr
or smaller or
he solution fo
ployers, rega
when making t
third‐party ad
ployers consid
ecision‐makin
educing the c
nsuring ongo
reeing up inte
nitiatives 
mproving the 
ositively impa
elf‐service tec
roviding com
pending Acco
HRAs) 
educing inter
tilizing real‐ti
erformance a
companies, t
cost savings a
s who have t
ialize in BAO t
ends. No matt
ng is here to 
e at least one
employers ar
the size of th
reater comple
ganizations te
or lack of inte
rdless of size
their decision
dvice or maki
der the follow
ng process:  
cost of benefi
ing regulator
ernal HR/Ben
overall empl
acting employ
chnology and
petent, consi
ounts (FSA), H
rnal investme
ime reporting
and provide g
he key factor
and ensuring c
ime and reso
to provide th
ter how the d
stay. In fact, 
 HR activity, a
re more likely
eir workforce
exity of their 
end to consid
ernal resource
, choose to w
ns regarding o
ing the determ
wing factors a
its administra
y compliance
efits resource
oyee experie
yee engagem
 more robust
istent admini
Health Savings
ents in infrast
g to manage e
greater insight
rs that drive t
compliance w
urce restricti
e resources a
decision is bei
according to 
and that num
y to outsource
es, their mult
benefit prog
der outsourcin
es and expert
work with an e
outsourcing. W
mination on t
and outcomes
ation 
e 
es to focus on
nce through 
ment and com
t decision sup
stration of te
s Accounts (H
ructure main
enrollment, s
t into the ope
he decision t
with regulator
ons are realiz
and expertise
ng made, it a
research by G
mber is swiftly
e benefits 
iple 
rams. 
ng 
tise. 
external 
Whether 
their own, 
s as part 
n core busine
streamlined e
munication t
pport tools 
echnical servic
HSAs) and Hea
tenance and 
support budge
erational aspe
o outsource b
ry requireme
zing that they
e to help them
appears that b
Gartner, Inc., 
y growing.” 
ess needs and
enrollment p
hrough Web‐
ces such as C
alth Reimburs
developmen
eting, measu
ects of the be
benefits adm
nts. In additio
y can rely on t
m and their st
benefits adm
“80 percent 
 
Redu
ongo
comp
inter
resou
facto
outso
maki
 
d more strateg
rocesses 
‐based, emplo
OBRA, Flexib
sement Acco
t 
re carrier/ven
enefits progra
inistration co
on, HR/Benef
those compa
taffs keep up 
inistration 
of companies
ucing cost, e
oing regulato
pliance and 
rnal HR/Bene
urces are so
ors considere
ourcing deci
ing process.
gic 
oyee 
le 
unts 
ndor 
am 
ome 
fits 
nies 
with 
s now 
nsuring 
ory 
freeing up 
efits 
me of the 
ed in the 
ision 
 
 
 
 
So, ho
admin
 
A good pl
 
 D
h
 D
m
 D
is
 C
st
 
If you ans
or all of yo
outlined a
outsource
 
 
 
Got quest
 
Visit www.e
 
About Em
Founded in
and middle
manageme
brokers, an
advanced b
drives grea
unprecede
Empyrean’
providers. 
 
ow will y
nistratio
ace to start is
o we have th
ouse? 
o we have th
manage benef
o we have th
ssues? 
an we contin
trategic initia
swered no to 
our company
above, perhap
e benefits adm
tions? We’re 
enrollmentpoint
mpyrean: 
n 2007, Empyr
e‐market empl
ent, and a rang
nd healthcare e
benefits techn
ater value to em
ented level of f
’s founders are
Visit www.GoE
you deci
on is righ
s by asking yo
e appropriate
e financial su
fits administra
e in‐house ex
ue to manage
tives necessa
even one of t
y’s benefits ad
ps the most i
ministration, 
ready to ass
.goempyrean.co
ean Benefit So
loyers’ health a
ge of other pla
exchanges. The
ology platform
mployers and e
flexibility, throu
e former princi
Empyrean.com
de whet
ht for yo
our internal st
e resources a
upport to dev
ation effectiv
xpertise to un
e all of our da
ary for our com
these questio
dministration
mmediate qu
but whether 
ist. 
om, Call: 1.800.9
olutions is a lea
and benefits p
n administratio
e company’s o
m with the mar
employees dur
ugh best‐of‐br
pals with some
m for more info
ther out
ur comp
taff and busin
and infrastruc
elop/maintai
vely? 
nderstand tod
aily administr
mpany to gro
ons, now may
. To take it a 
uestion is not 
it can afford 
934.1451, Email: 
ading provider 
rograms. Empy
on services to 
open systems a
ket’s leading d
ring increasing
eed integratio
e of the countr
ormation. 
tsourcing
pany?  
ness partners
cture to hand
in the skill set
day’s complex
rative functio
ow? 
y be the time 
step further, 
whether you
to continue d
 info.enrollment
of technology 
yrean provides
three distinct 
approach bring
domain experts
g market uncer
n of other soft
ry’s largest ben
g benefi
s the followin
le benefits ad
ts and techno
x regulatory c
ns while also 
to consider o
given all of t
ur company ca
delaying that 
tpoint@empyre
and services f
s enrollment, e
markets: empl
gs together the
s. This agile bu
rtainty by givin
tware and serv
nefits administ
its 
g questions:
dministration
ology needed 
compliance 
supporting t
outsourcing so
he advantage
an afford to 
decision. 
eanbenefits.com
for managing la
eligibility 
loyers, insuran
e industry’s mo
usiness solution
ng them an 
vice providers. 
tration service
 in‐
 to 
he 
ome 
es 
m 
arge 
nce 
ost 
n 
 

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Benefits Administration Outsourcing - Making the right decision