Benharbor runs benefits administration and HR compliance as a managed service, and builds the custom applications and websites that sit alongside them. Your team stops carrying the administrative work — and your carriers, systems, and employment relationships stay yours.
Take one or take all three. Each is delivered against a written scope, so you always know where our work ends and yours begins.
Benefits Administration
The whole benefits calendar, run for you — from the open enrollment window through every mid-year change.
Open enrollment setup, communications, and election tracking
New hires, terminations, and qualifying life events
Carrier connections and monthly premium reconciliation
COBRA coordination and notices
HR Compliance
The filings and records that are invisible until an audit, a claim, or a due-diligence request makes them urgent.
Handbook maintenance and policy updates
I-9 verification and personnel file hygiene
Connecticut Paid Leave and sick-time compliance
ACA reporting — Forms 1094-C and 1095-C
Technology & Development
The team that runs your administration can also build the tools it runs on — and clear the IT work that keeps getting deferred.
Custom application design and development
Websites and client portals
Workflow automation and systems integration
Day-to-day IT support and vendor coordination
How it works
Three stages, in this order
Transitions fail when everything moves at once. We take work over in sequence, documenting each process as we go, so nothing ends up depending on one person's memory — including ours.
STAGE ONE
Discovery & audit
We map what exists today: carriers and renewal dates, every recurring filing and compliance deadline, the systems you run on, and who currently touches what. You get the map whether or not you hire us.
STAGE TWO
Transition
We assume the run-book in stages — typically benefits first, then the compliance calendar — writing each procedure down as we take it on. Technology work runs on its own track, so a build never holds up an administrative handover.
STAGE THREE
Steady state
You get a named administrator, a shared inbox with a same-day response standard, a monthly reporting rhythm, and a portal where the current state of your benefits, compliance, and open projects is always visible.
Why Benharbor
Most small employers are handed two bad options
Either an already-overloaded office manager absorbs benefits and compliance on top of their real job, or a PEO takes the work — and becomes co-employer of your staff, bundles you into their insurance, and makes leaving expensive.
Benharbor is the third option: the administrative burden leaves, and everything else stays yours. Your carriers, your systems, your employment relationships, your data.
In-house
Cheap until it isn't. Institutional knowledge lives in one person's head, and coverage collapses the week they take vacation or resign.
PEO
Real capability, but you become a co-employed worksite. Your benefits are their master plan, and unwinding it later is a project.
Benharbor
A managed service under your own EIN. Documented procedures, a named administrator, and a portal you keep access to. Cancel and the run-book comes with you.
Start with the audit
A short conversation, then a written map of your current back-office setup and what it would cost to have us run it. No obligation to continue past that.
A working walkthrough of the Benharbor client portal, loaded with a fictional company's data.
Demo environment
Nothing here is real and nothing is checked — the credentials below are already filled in, and any values you enter simply open the demo. No live client information is stored in this sandbox.
Sandbox · Sample data for a fictional client. Nothing here is a real employee, carrier, or invoice.
Dashboard
Northfield Machine Works · Plan year 2026 · Administrator: [YOUR NAME]
All services active
Open enrollment
12 days
3 elections outstanding
Active employees
47
2 pending start dates
Active projects
2
1 awaiting your review
Open invoices
$4,180
One invoice, due Sep 30
Needs your attention
5 items
Three employees have not submitted enrollment electionsReminders sent Sep 2 and Sep 6. After the window closes they default to last year’s elections.
Medical premium variance of $312 on the August carrier invoiceTwo terminations posted after the carrier’s billing cut-off. Credit requested; we expect it on the September statement.
Time-off request portal is ready for your reviewStaging build published Sep 5. We need your sign-off on the approval rules before it goes live.
I-9 reverification due for one employeeWork authorization expires Oct 14. We will collect the document and update the file.
Two new hires start Sep 22Onboarding packets issued and workstations requested. Benefits eligibility begins the first of the month after 30 days.
This month
Benefit changes processedNew hires, terms, life events6
Enrollment responsesElections and waivers received44 of 47
Compliance items closedFilings, records, and notices4
Support requests resolvedTechnology queue9
Project hours deliveredTime-off request portal24
Enrolled
41
of 47 eligible
Waived coverage
3
Waiver forms on file
Outstanding
3
Action needed
Monthly premium
$38,940
Employer and employee share
Enrollment status
Plan year beginning January 1, 2026
Employee
Medical plan
Tier
Effective
Status
Alvarez, R.
Harborview PPO 1500
Employee + Spouse
Jan 1, 2026
Confirmed
Brennan, M.
Harborview HDHP 3000
Family
Jan 1, 2026
Confirmed
Cho, D.
Harborview PPO 1500
Employee only
Jan 1, 2026
Confirmed
Delacroix, P.
—
Waived
—
Waiver on file
Fenwick, T.
Not yet elected
—
—
Outstanding
Garrity, S.
Harborview HDHP 3000
Employee + Child
Jan 1, 2026
Confirmed
Halloran, J.
Not yet elected
—
—
Outstanding
Iverson, K.
Harborview PPO 1500
Family
Jan 1, 2026
Confirmed
Okafor, N.
Harborview PPO 1500
Employee only
Oct 1, 2025
Confirmed
Whitfield, A.
Not yet elected
—
—
Outstanding
Carriers and lines of coverage
Fictional carriers for demonstration
Harborview HealthMedical · Renews January 141 enrolled
Meridian DentalDental · Renews January 138 enrolled
Coastline VisionVision · Renews January 130 enrolled
Keelwright Life & DisabilityBasic life and long-term disability · Employer paid47 enrolled
Open items
2
Action needed
I-9 files complete
46
of 47 · one reverification due
Handbook acknowledgments
45
of 47 employees
Next deadline
Mar 2
1095-C employee furnishing
Compliance calendar
Next twelve months
OSHA Form 300A postingDisplayed in the workplaceFeb 1 – Apr 30
Forms 1095-C to employeesACA employee furnishingMar 2
Forms 1094-C and 1095-C to IRSElectronic filingMar 31
CT Paid Leave employee noticeAnnual written noticeAnnual
Handbook reviewPolicy and statutory updatesJun 2026
Records status
I-9 verification files1 due
Personnel files current47 of 47
Handbook acknowledgments45 of 47
New-hire packetsTwo starts on Sep 222 pending
2024 ACA filingFiled
Active projects
2
1 awaiting review
Open requests
3
Support queue
Hours this month
24
Development and support
Delivered to date
3
Completed projects
Projects
Active and recently delivered
Project
Type
Stage
Target
Status
Time-off request portal
Internal application
Client review
Sep 26, 2025
Awaiting your feedback
Public website refresh
Website
Build
Oct 17, 2025
On track
Carrier invoice reconciliation tool
Internal application
Delivered
Jun 6, 2025
Live
Shop floor time capture
Internal application
Delivered
Feb 21, 2025
Live
Support requests
Rolling queue
Workstation setup for two incoming hiresOpened Sep 4Open