Employee benefits left unclaimed annually at a 500-person company
"We went from 34% enrollment to 81% in one cycle. I stopped dreading November."
Rachel Okonkwo
VP of People Operations · Cascade Logistics · 640 employees
One HR director fixed it. The unclaimed money above is still sitting in your budget right now. Find out where your enrollment is leaking.
Used by HR teams at 340+ mid-market companies · No credit card required
of employees cannot define their vesting schedule
Nationwide Retirement Survey, 2024
Vesting, Enrollment & Support
How PDF guides, generic portals, and BenefitsJourney each handle the most common employee confusion points — row by row.
| What matters to employees | 📄PDF Packets | 🖥️Generic Portals | ✦BenefitsJourney |
|---|---|---|---|
Employee understands vesting schedule 62% of employees find retirement plans "confusing" (Nationwide, 2024) | Buried in footnotes | One FAQ page | Step-by-step guided explainer |
Enrollment completion rate Industry average: 34% without intervention | ~34% | ~48% | 75–81% |
Time-to-enroll | 3.2 hrs avg | 47 min avg | 11 min avg |
Personalized to employee life stage | Not at all | Basic filtering | Full behavioral personalization |
Support ticket volume in January Confusion-driven inbound calls after enrollment closes | Very high | High | -47% vs baseline |
HR team time spent explaining benefits | 60+ hrs/cycle | 30–40 hrs/cycle | <8 hrs/cycle |
average annual HSA contribution — but only when employees know it exists
HSA Council, 2024 · Average account balance $6,489
HSA, 401(k) & Benefits ROI
The financial benefits employees leave behind — and how each approach handles the education gap that causes it.
| What matters to employees | 📄PDF Packets | 🖥️Generic Portals | ✦BenefitsJourney |
|---|---|---|---|
HSA enrollment rate 15% uneducated vs. 44% educated (Payroll, 2024) | ~15% | ~22% | 40–44% |
401(k) participation rate Plans with auto-enroll nudges reach 88% participation (Vanguard) | ~52% | ~58% | 80–88% |
Employer match left unclaimed | High — no visibility | Medium — static reminder | Near-zero with nudges |
Benefits ROI reported to CFO | No data available | Basic enrollment counts | Full engagement dashboard |
Broker support ticket reduction January confusion calls after close of enrollment | No impact | Minimal | 60% fewer calls |
Employee benefits retention impact 75% of employees more likely to stay due to benefits (WTW) | Unmeasured | Unmeasured | Tracked & reportable |
The numbers that make CFOs
stop scrolling
Average lift across 340+ companies using BenefitsJourney in their first open enrollment cycle. Median time to result: 6 weeks from kickoff.
"My broker stopped getting December panic calls. That alone was worth the investment."
David Osei-Mensah
CFO · Meridian Health Systems · 1,200 employees
Your employees are leaving
free money on the table.
Five questions. Two minutes. You'll walk away knowing exactly how much benefits ROI you're losing and what to do about it before next open enrollment.