AI Benefits Package Design Agent
Automating Small Business Benefits Package Design with AI
Intelligent Plan Design and Contribution Modeling
The agent simulates plan architectures—HMO, PPO, HDHP-HSA—and contribution strategies in real time, projecting employer spend and employee out-of-pocket costs while validating ACA affordability safe harbors.
Compliance Documentation and Notice Automation
Automated workflows generate ERISA wrap documents, SPDs, SBCs, Section 125 POP plans, and required annual notices, then track distribution and maintain audit-ready compliance calendars.
End-to-End Open Enrollment Orchestration
From census ingestion and eligibility rules to decision support tools and EDI 834 file generation, the system handles OE communications, enrollment capture, carrier submissions, and payroll deduction mapping without manual handoffs.
How Cassidy automates this using AI
Step 1: Trigger on census or renewal event
The Workflow activates when a new census file is uploaded, a renewal date approaches, or a qualifying life event is logged—pulling employer profile data, headcount, and current plan details into Cassidy's Knowledge Base.
Step 2: Normalize data and assess compliance posture
Cassidy parses census files, deduplicates records across HRIS and payroll systems, determines ALE status, and flags COBRA applicability, state mini-COBRA requirements, and missing documentation.
Step 3: Model plan designs and contributions
Using your benefits philosophy and budget parameters, Cassidy runs scenario analyses across funding types, plan architectures, and contribution strategies—validating ACA affordability and projecting total cost of care.
Step 4: Generate compliance package and OE assets
Cassidy assembles ERISA wrap documents, SPDs, SBCs, Section 125 plans, and required notices, then produces employee-facing benefits guides, plan comparisons, and decision support materials.
Step 5: Orchestrate enrollment and carrier connections
The Workflow configures your ben-admin portal with eligibility rules, generates EDI 834 files or API feeds to carriers, maps payroll deduction codes, and tracks enrollment confirmations and ID card issuance.
Step 6: Manage ongoing administration and COBRA
Cassidy monitors life events, sends compliant COBRA election notices, tracks premium payments, and maintains monthly eligibility dashboards—automatically generating 1094/1095-C codes for ALEs at year-end.
Implement it inside your company
- Hands-on onboarding and support
- Self-paced training for your team
- Dedicated implementation experts
- Ongoing use case discovery
- ROI tracking & analytics dashboards
- Proven playbooks to get started fast
