Your benefits administration system decides who is enrolled, what they pay and what carriers are told. Ethos Benefits builds and audits the plan setup, manages carrier and payroll file feeds including 834 EDI, reconciles discrepancies, and handles carrier paperwork, transitions and terminations, working with your platform’s vendor where it owns the build.
Most enrollment errors start in the system setup or a file feed nobody checks. They show up later as billing errors, denied claims and employees without coverage.
| Step | What Ethos checks |
|---|---|
| Plan build | Plans, rates, eligibility and contributions match the decisions in your kickoff document |
| File feeds | Carriers and payroll receive the right enrollment and deductions |
| Discrepancies | Differences between your system and carrier records are found and fixed |
| Billing | Invoices match enrollment, through billing reconciliation |
Every Ethos service reports to your benefits committee. The work is reviewed at your quarterly committee meeting, each decision is recorded with the reasoning behind it, and the record lives in your Ethos Fiduciary OS. That is what lets your committee show the plan was run prudently.
See the Fiduciary Framework™ · How fiduciary governance works
No. Ethos works with the benefits administration platform you have. Where your platform’s vendor is contractually responsible for the build, Ethos coordinates with it.
An 834 is the standard electronic file used to send enrollment information from your system to a carrier or administrator. When it is wrong, coverage is wrong.
Through discrepancy reports that compare what your system sent with what the carrier has on record, reviewed and resolved on a schedule.
A Strategic Analysis starts with your plan documents and your broker agreement, then shows you what your plan costs, where the risk sits, and what a committee would decide with the full picture.
