For Benefits Brokers

Turn Your Benefits Book Into a Renewal-Proof Asset

A white-label platform you resell to your 50–500 employer clients — AI nudges, an AI Benefits Coach, Rippling HRIS sync, and a per-client utilization dashboard. Pitch it as your own. Keep the renewal conversation in your hands.

$2,400 avg unused FSA/HSA per employee per year — your clients leave this on the table
Flat per-employee wholesale pricing — predictable margin, no per-member surprises
10 days from signed MSA to your first client group live on the platform

Your book is at risk from utilization you can't move.

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Renewals hinge on utilization you can't move

A client hits MLR below 80% / 85% and the carrier sends a rebate check. Your team has no tool to close the gap — so the renewal conversation becomes about price alone.

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Manual census file churn every quarter

Roster reconciliation eats account-manager time. New hires added late. Termed employees still getting benefit outreach. You're reconciling in spreadsheets.

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The compliance ask outpaces your team capacity

FSA grace-period notices. COBRA qualifying event triggers. ACA 1095 distribution. Each one is a fire drill that pulls your team away from sales.

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Clients compare you to bigger brokerages with tech

A 200-life client sees that Mercer and Marsh have app platforms. They ask what your agency offers. The honest answer right now is "a spreadsheet and a phone call."

How NudgeWell turns your agency into a tech-forward operator

Step 01

White-label platform under your brand

Your logo, your colors, your email domain. Members see your agency's name on every nudge, every coach reply, every portal session. NudgeWell is invisible to your clients.

Step 02

AI nudge engine for every employer client

FSA expiration reminders, preventive-care scheduling, EAP underuse signals, biometric-driven wellness nudges — all personalized per employee, all automated, no staff work per client.

Step 03

Rippling HRIS sync + census upload fallback

Clients on Rippling auto-sync their roster nightly. Net-new clients without an HRIS upload a CSV and the platform ingests the file on the spot. No more spreadsheet reconciliation.

Step 04

Per-client utilization dashboard & white-label PDF report

You see every client's FSA utilization %, preventive-care rate, nudge volume, and HRIS sync health in one view. Pull a branded quarterly book-of-business PDF for the renewal conversation.

Step 05

OE campaign kit hand-off

Pick an open-enrollment sequence branched by plan type and FSA spend-down. Preview it under your agency brand. Hand it off to a client group with one click -- the brand snapshot at send time is recorded for the renewal conversation. Open the OE kit portal.

Everything your agency needs to own the renewal conversation

Six broker-facing capabilities layered on top of the NudgeWell platform. Resold under your brand. Priced per-employee at wholesale.

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White-Label Brand Kit

Your logo, your primary & secondary colors, your email domain. Members see your agency name on every interaction — never "Powered by NudgeWell."

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HRIS Roster Sync

Rippling ships as the first HRIS adapter — nightly delta sync with tombstoning for terminated employees. CSV upload fallback for clients not yet on an HRIS. Additional adapters slotted per demand.

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Per-Client Utilization Dashboard

FSA utilization %, preventive care rate, nudge volume, and HRIS sync health per client group. Filter by client. Spot at-risk renewals before the carrier brings them up.

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White-Label PDF Book Report

Pull a branded quarterly book-of-business report in under a minute. Aggregate utilization, top movers, flagged accounts. Drop it into your renewal deck as your IP.

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AI Benefits Coach — Under Your Brand

24/7 member Q&A powered by Motivational Interviewing + Tiny Habits methodology. Your agency name on every reply. No third-party brand exposure to your clients.

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Privacy-Safe AI Symptoms Checker

Anonymous symptom analysis with no PHI stored at the category level. Reassure clients with HIPAA-aligned handling and clear "this is not medical advice" framing.

Wholesale pricing built for agency economics

Flat per-employee rates priced for resale margin. We co-brand the quote deck with you. Talk to us for an agency-specific quote.

Channel-Partner Wholesale

Contact us
for an agency quote

Pricing scales with book size · Volume tier discounts · No per-client surprise fees

Compliance & security documentation for brokers is on the roadmap — current adopters review our standard HIPAA controls + BAA on demo.

Request an Agency Quote → See SMB Pricing

Tell us about your book

Most brokers hear back within one business day. We'll bring logistics, not a sales pitch.

Message sent.

We'll be in touch within one business day. Reach us anytime at support@nudgewell.net.

Frequently Asked Questions

Can I rebrand the platform as my own?

Yes. Channel-partner tier ships with a white-label brand kit — your agency logo, primary and secondary colors, and email domain. Members see your agency's name on every nudge, the AI Benefits Coach, and the employee portal. "Powered by NudgeWell" never surfaces to your clients.

Do my clients ever see NudgeWell?

Not in the member-facing experience. NudgeWell branding is deliberately absent on the portal, coach, and email channels. Even internal-help references use your domain. The platform only appears in the broker-side dashboard you and your account managers use, and in co-marketing materials you approve.

How is data shared between my agency and my employer clients?

You see aggregated utilization metrics per client group — FSA utilization %, preventive care rate, nudge volume, HRIS sync health. You do not see individual member PHI. Each client employer owns their own member roster and consent. We provide a PHI-safe view by construction.

Do I need a Rippling admin on every client?

No. Rippling is the first HRIS adapter but not a prerequisite. Clients without Rippling upload a CSV roster at onboarding, and we sync on a schedule that fits your operational cadence. As you add clients on Rippling, the nightly sync wires in automatically — no services engagement.

What's the onboarding for a new book group?

From signed channel-partner MSA to your first client live: about 10 business days. The bulk of that is brand-kit finalization and your first client's roster ingest. Subsequent client groups roll on faster — usually inside a week — because the brand kit, coach prompts, and dashboard are already configured.

Ready to add a tech platform to your renewals?

Book a 30-minute partner demo. Bring your top three client groups — we'll mock the per-client dashboard live.

Book a Partner Demo →