Better Benefits

Benefits administration, run like software.

Plan years, enrollment, spending accounts, deductions, ACA, and carrier feeds in one system — with the §125, WRAP, and SPD paperwork generated from your live configuration, and playbooks that run open enrollment on rails instead of memory.

See it on opshyv.com Explore the features

⬡ Medical → ICHRA in one ledger ⬡ §125 · WRAP · SPD generated from live plans ⬡ 1094-C / 1095-C tracked per person-month

The Benefits dashboard: 556 covered people, 13 active plans, monthly premium split between employee and employer, elections by status, plans by type, Form 5500 flag — Benefits One dashboard: 556 covered people, 13 plans, the premium split — and the Form 5500 threshold flagged before your accountant asks.

⬡The problem

Benefits truth lives in carrier portals, broker spreadsheets, and someone's memory.

Enrollment lives in spreadsheets. Elections re-keyed into carrier portals, payroll, and a broker's inbox — every copy drifting from the others.
The plan documents don't exist. The §125 says premium-only, the SPD describes two plan years ago — if either was ever generated at all.
ACA is a January panic. Per-month offer data reconstructed from payroll exports the week 1095-Cs are due.
Open enrollment runs on memory. The checklist lives in one person's head and gets rebuilt from scratch every fall.

⬡The launch

Ten steps from nothing to enrollment-ready.

The guided launch sequences the whole build — carriers, plan year, plans, rates, eligibility, spending accounts, activation, windows — in dependency order. Each step shows live status and deep-links into the module that owns it, so nothing is entered twice and nothing is forgotten.

⬡Enrollment

Elections in one roster — deductions compute themselves.

Open a window and employees elect through a self-service wizard; admins record the rest. Every election and waiver lands on one roster — Elected, Pending EOI, Waived, Terminated — with per-pay employee and employer costs derived automatically. No re-keying into payroll.

The enrollment roster: every election with plan, tier, status, effective date and per-pay costs — Benefits → Enrollment The single source of enrollment truth — window sweeps, approvals, and the full roster.

⬡Spending accounts

FSA, HRA, HSA, ICHRA — with the IRS rules built in.

Balances, contributions, and a claims queue per account type — and the rules the IRS actually enforces are structural, not tribal knowledge: carryover XOR grace on the Health FSA, run-out windows, HRA order-of-payment, ICHRA classes and attestations.

Spending accounts dashboard: FSA, HRA, HSA and ICHRA rollups with balances, contributions and claims — Benefits → Spending Every account type, its configuration state, and the claims queue — self-administered or through your TPA.

⬡The paperwork

The compliance paper writes itself — from your live plans.

This is where most benefits stacks quietly fail: the documents. OpsHyv generates the Section 125 cafeteria plan document, WRAP plan document, and Summary Plan Descriptions — plus ICHRA, COBRA, and QSEHRA notices — directly from the plans, rates, and terms you just configured. Versioned, themed, distributable for acknowledgment, with attorney-review markers where counsel belongs.

The document generation gallery: Section 125, WRAP plan document, three SPDs, employee handbook and participant notices — all marked Ready — Docs → Generate §125, WRAP, SPDs, handbook, notices — every card reading **Ready** because the plan data behind it is live.

The Doc Gen launch dashboard: readiness bar, foundation checklist, and per-template prerequisites — Docs → Launch The readiness dashboard: populate the foundation once, and every document knows exactly what it's still missing.

⬡ACA & carriers

January's panic, tracked all year.

ALE status and measurement method configured once; 1094-C/1095-C offer data materializes per person, per month, all year long — with a CSV extract for your filing vendor. Carrier census changes export as member-maintenance feed batches: full census or changes-only, acknowledged and tracked.

ACA tracking: ALE configuration and tracked years with per-month offer code data — Benefits → ACA Person-month tracking, not a January reconstruction.

Carrier feeds: member-maintenance batches per carrier with status tracking — Benefits → Feeds Carrier updates as tracked batches, not portal re-typing.

⬡The playbooks

Open enrollment on rails, not on memory.

This is what makes it a powerhouse: a library of 500 curated SOPs includes the benefits runbooks — Benefits Open Enrollment, New-Hire Benefits Enrollment, 401(k) Eligibility & Enrollment Sweep — as living playbooks that assign each step to the right person, chase stragglers with time-based escalations, and leave a run history you can audit. Clone, adapt, launch every year.

The playbook template gallery searched for enrollment: Benefits Open Enrollment, New-Hire Benefits Enrollment, 401(k) Eligibility Sweep — Playbooks → Templates Search "enrollment": the annual OE runbook, the new-hire window chase, the quarterly 401(k) sweep — ready to launch.

⬡How it runs

From census to acknowledged paper — one system the whole way.

FoundationCarriers, eligibility classes, payroll defaults — guided, in order.
Plans & ratesEvery benefit line priced: composite, four-tier, age-banded, salary-based.
Publish & enrollOpen a window; employees elect, deductions derive automatically.
Generate the paper§125, WRAP, SPDs, and notices from the live configuration.
Run the playbooksOE, new-hire windows, and eligibility sweeps as repeatable runs.

⬡Guardrails

Honest about the line between software and counsel.

Suggestions, not filingsACA offer and safe-harbor codes are conservative, data-derived suggestions — your filing vendor or counsel makes final determinations.

Attorney-review markersGenerated plan documents carry explicit review flags — the tool never impersonates counsel.

Private by constructionEnrollment and health-adjacent data is permission-gated and audited; every mutation lands on the audit log.

⬡The bottom line

Benefits stops being a season and becomes a system.

Enrollment with one source of truth, spending accounts with the rules built in, ACA tracked all year, compliance paper generated on demand — and playbooks that make next year's open enrollment a launch, not a scramble.

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