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Employee Benefits Corporation Review

Employee Benefits Corporation (EBC) is an employee-owned benefits administrator in Middleton, Wisconsin that runs COBRA end to end, including carrier coordination and state continuation in Wisconsin and Minnesota.

Pricing model
Quote only
Deployment
Cloud

Best for

  • Wisconsin and Minnesota employers that need state continuation handled
  • Employers switching administrators that want blanket initial notices sent
  • Employers that also want FSA, HRA or HSA administration from the same provider

Not ideal for

  • Buyers who need a published COBRA fee before a call
By LeadChange Research TeamUpdated
How we evaluated Employee Benefits Corporation

This review rests on 11 facts checked against Employee Benefits Corporation’s official pricing pages and documentation, most recently on . We did not test the product hands-on: the score and the pros and cons use only those verified facts, as our methodology explains, and third-party ratings are quoted, never scored.

Our verdict

Employee Benefits Corporation is an employee-owned administrator in Middleton, Wisconsin that runs COBRA end to end, coordinates carrier reinstatements and terminations, and administers state continuation in Wisconsin and Minnesota for any employer. Continuants elect and pay online. It is less suited to buyers who want a published fee or state continuation outside its five listed states.

Strengths

  • State continuation

    Wisconsin and Minnesota for all employers; Texas, New York and Connecticut with federal COBRA.

    Evidence: State continuation administration: Yes

  • Carrier coordination

    Reinstatements and terminations are coordinated with carriers.

    Evidence: Carrier eligibility updates: Yes

  • Online elections and payments

    Continuants elect, pay by recurring ACH or card and see their letters online.

    Evidence: Participant elections and portal: Yes

  • Blanket initial notices

    Initial notices can go to everyone enrolled when an employer switches to EBC.

    Evidence: General notices: Yes

Weaknesses

  • No published fee

    COBRA pricing is quoted.

    Evidence: Price transparency: Quote only

  • Card payment fee for continuants

    One-time and card payments carry a processing fee for the continuant.

    Evidence: Extra costs: Processing fee charged to continuants for one-time and credit or debit card payments, Form 5500 and nondiscrimination testing at an additional fee unless bundled with EBC FSA administration

Price at a glance

  • Pricing model

    Quote only

Employee Benefits Corporation plans and prices

Quick answers

How much does EBC COBRA administration cost?
EBC quotes its COBRA administration: neither its COBRA page nor its product sheet lists a fee, and continuants pay a processing fee for card or one-time payments.Based on Pricing model: Quote only
Which states does EBC administer state continuation for?
Wisconsin and Minnesota for any employer; Texas, New York and Connecticut for employers that also use EBC for federal COBRA.Based on State continuation administration: Yes
Does EBC send blanket COBRA initial notices?
Yes. When an employer moves to EBC, it can send initial notices to everyone enrolled in the group health plans, which closes a common compliance gap.Based on General notices: Yes
Does EBC notify carriers of COBRA elections?
Yes. EBC coordinates with carriers for reinstatements and terminations and remits collected premiums to the employer.Based on Carrier eligibility updates: Yes

Coverage of core COBRA administration capabilities

Each core capability we evaluate in COBRA Administration, checked against Employee Benefits Corporation’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.

8 verified of 10 core capabilities

COBRA Administration

  • Qualifying event intake
  • General notices
  • Election notices · not verified yet
  • Participant elections and portal
  • Premium billing and collection
  • Premium remittance
  • Carrier eligibility updates
  • Coverage period tracking · not verified yet
  • State continuation administration
  • Notice and payment audit trail

Specifications

Pricing

Price transparency
Quote only

Fit

US states supported
All US states

Product

Modules
COBRA and state continuation, Retiree and direct billing, FSA, HRA, HSA, Lifestyle spending accounts, Commuter benefits, Premium only plans
Mobile apps
EBCentral app (iOS, Android)

Employee Benefits Corporation alternatives

Employee Benefits Corporation alternatives

Implementation and support

Support channels
Phone, email
Support hours
Participant services 7:00 a.m.-7:00 p.m. CT, client services 7:00 a.m.-5:00 p.m. CT, Monday-Friday

About Employee Benefits Corporation

Headquarters
Middleton, WI, US
Ownership
Private

All Employee Benefits Corporation products

Employee Benefits Corporation: frequently asked questions

What does Employee Benefits Corporation do?

EBC is a national third-party administrator of COBRA and state continuation, retiree billing, FSAs, HRAs, HSAs, lifestyle spending accounts and commuter benefits.

Who owns Employee Benefits Corporation?

Its employees: EBC is owned by its staff through an employee stock ownership plan (ESOP) and is based in Middleton, Wisconsin.

When is EBC participant support open?

Participant services answer from 7:00 a.m. to 7:00 p.m. Central time and client services from 7:00 a.m. to 5:00 p.m., by toll-free phone or email.

What are the best alternatives to Employee Benefits Corporation?

In our COBRA administration ranking, the highest-scored products other than Employee Benefits Corporation are BPAS, Rippling, and HealthEquity. Compared side by side, by reason to switch: Employee Benefits Corporation alternatives.

What are the pros and cons of Employee Benefits Corporation?

Strengths documented on the vendor’s own pages: state continuation, carrier coordination, and online elections and payments. It is less suited to buyers who need a published COBRA fee before a call.

Does Employee Benefits Corporation have a mobile app?

Yes. Employee Benefits Corporation lists mobile apps: EBCentral app (iOS, Android).

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