What We Do
Modern benefits. Expert guidance. Built to scale with your business.
Lumity helps growing companies design, manage, and evolve their benefits programs without the complexity of traditional brokers or PEOs. We combine deep benefits expertise, purpose-built technology, and hands-on support to reduce costs, simplify administration, and deliver a better experience for both HR teams and employees.
What we offer:
Introducing Lumity’s Health Plan Marketplace
Welcome to a health plan renewal that puts transparency front and center.
Take charge of your renewal plan and ensure financial responsibility for one of your biggest business costs and employee benefits.
1. Benchmark
2. Negotiate
3. Decide
4. Implement
5. Educate
1. Benchmark
2. Negotiate
3. Decide
4. Implement
5. Educate
Online Benefits Portal
A Complete Benefits Lifecycle Solution
One modern platform to manage your benefits—from documents and billing to benchmarking and issue resolution—supported by a dedicated team that acts as an extension of your business.
All Your Benefits in One Place
Centralize every important document into one secure, searchable hub.
- Legal and compliance documentation, including SPDs
- Insurance applications and carrier contracts
- Digital benefit guides created by Lumity
A Transparent Digital Paper Trail
Track questions, issues, and requests from start to finish.
Collaborate directly with carriers and your dedicated account manager to ensure every item is documented and resolved.
- Issue tracking and status updates
- Carrier and partner collaboration
- Dedicated account management
Compare Cost and Coverage
Know where you stand against thousands of similar employers.
- Employee feedback surveys for coverage and satisfaction insights
- Benchmarked cost curves by company size and industry
Year-Round Support
Collaborate with a dedicated account team and employee advocates throughout the year.
PEO Migration
Is the timing right?
By the time you hit 100, the cost/convenience of a PEO breaks down. Our clients typically realize 15-20% cost savings—while upgrading benefits for their people.
Migration
Migration
We have experience moving clients off every major PEO—in as little as 8 weeks. Our consultants will develop an in-depth project plan and help you determine:
- The best time to move
- Who's going to process payroll
- Where to get workers comp insurance
- How to track employee information
- How benefits and retirement will work
Benchmark
Benchmark
The first step is to find out how your current benefits compare to companies like yours (size, industry, location, employee base). Our benefits consultants will perform a benchmark analysis, so you have the data you need to make a decision.
- Health plan coverage
- Health insurance rates
- Contribution structure
- Business goals
- Employee base
HRTech
HRTech
Our vendor-agnostic consultants will help you evolve your administrative workflows, processes, and benefits program. Together, we'll determine the tech stack that best meets your needs.
- Payroll
- BenAdmin
- HRIS/onboarding
- Applicant Tracking System
- HSA/FSA/commuter
Compliance
Compliance
We've got your back on legal requirements, from the Affordable Care Act (ACA) to local ordinances.
- IRS Form 5500 annual filing
- IRS 1095 notices for Applicable Large Employers (ALE)
- Summary Plan Documents / required legal notices (e.g. Medicare Part-D)
- San Francisco Health Care Security Ordinance (SF HCSO)
- Non-Discrimination Testing
Final Cutover
Final cutover
We'll make sure nothing falls through the cracks. And, going forward, both you and your people will have year-round access to benefits experts to answer your questions and navigate any claims/billing issues.
You'll gain:
- A better benefits experience for candidates and employees
- A partner who serves as an extension of your HR team