Navia Benefit Solutions
Navia Benefit Solutions is a private third-party administrator of consumer-directed benefits — including FSAs, HSAs, HRAs, COBRA, commuter, dental/vision, and retirement plans — serving 7,000+ U.S. employers across all 50 states through a subscription-based platform with 30+ HRIS integrations.
- Company typePrivate
- Founded1989
- HeadquartersRenton, United States
- Headcount251–500
- GTM typeB2B
- OfferingServices
What Navia Benefit Solutions does
Navia Benefit Solutions is a privately held third-party benefits administrator headquartered in Renton, Washington, founded in 1989. The company administers consumer-directed benefit accounts and related compliance services for over 7,000 employers across all 50 U.S. states, with an average client tenure of 10+ years and a covered population of approximately 2.6–2.7 million individuals. Navia serves employers ranging from startups with around 50 employees to enterprises with 5,000+ employees, with a particular concentration in education and public-sector clients such as school districts, universities, and state health care authorities.
Navia's product portfolio spans Health Care FSA, Day Care FSA, Limited Purpose FSA, Health Savings Account, Health Reimbursement Arrangement, Scheduled HRA, Lifestyle Spending Account, COBRA administration, Direct Billing, Minimum Essential Coverage, self-funded Dental and Vision, education benefits (tuition reimbursement and student loan repayment), and — following the January 2026 acquisition of BEON Retirement — Retirement and Wealth Solutions. The underlying platform combines a 24/7 participant portal, the MyNavia mobile app, a unified Navia Benefits Card, FlexConnect claims automation, and real-time analytics dashboards, integrated with 30+ HRIS, payroll, and identity platforms including ADP, Workday, Paycom, BambooHR, Rippling, UKG, Businessolver, Employee Navigator, bswift, Okta, and OneLogin. The company markets AI-powered personalization layered with dedicated human support, reports a 33% FSA participation rate versus a 20% national average, and claims 98% first-call resolution in customer service.
Navia's revenue model is subscription and recurring administrative-fee based, with quote-based pricing scaled to employer size and configurable plan designs, billed primarily on an annual cadence. Distribution combines direct sales (website "Request Quote" CTAs, dedicated account teams), a broker and insurance-agent channel, and indirect distribution through HRIS and payroll technology integrations. The company received a fourth-round investment from TA Associates in 2021 and is led by founder and CEO Hilarie Aitken, supported by COO Bob Camenzind and CGO Stefan Knipp. In early 2026, Navia disclosed a cybersecurity breach affecting approximately 2.7 million individuals, which represents a material operational and reputational risk alongside the company's otherwise steady scale and retention profile.
Navia Benefit Solutions firmographics
Firmographics- Name
- Navia Benefit Solutions
- Legal name
- Navia Benefit Solutions
- Website
- https://naviabenefits.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Navia Benefit Solutions is a private third-party administrator of consumer-directed benefits — including FSAs, HSAs, HRAs, COBRA, commuter, dental/vision, and retirement plans — serving 7,000+ U.S. employers across all 50 states through a subscription-based platform with 30+ HRIS integrations.
- Ownership category
- akta.pro rank
Navia Benefit Solutions industry classification
Industry- Product category
- Employee Benefits Administration
- NAICS
- Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251), Other Insurance Funds (525190)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)
- akta.pro secondary industries
- Eligibility, Enrollment & Benefits Administration (HLAEALAH), Benefits Administration & Total Rewards Outsourcing (BPACAKAE), Benefits Administration (BPACAPAC), Dental Benefit Administration (DBA) & ASO/TPA for Dental (HLAEAIAJ)
Keywords
Where Navia Benefit Solutions is headquartered
LocationHeadquarters
- HQ city
- Renton
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Navia Benefit Solutions business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Benefits Administration Services: Navia generates revenue by providing benefits administration services to employers, including FSAs, HSAs, HRAs, LSAs, COBRA, and commuter benefits. The company charges employers for administering pre-tax benefit programs, likely on a per-participant or flat administrative fee basis. Revenue is subscription/admin fee-based and recurring as benefit plans are renewed annually.
- Scheduled HRA Administration: Scheduled Health Reimbursement Arrangement (SHRA) administration generates revenue by integrating SHRAs with group medical plans to deliver cost-effective, configurable health benefits to employers. Clients using SHRAs have achieved average savings of 23% compared to traditional plans, suggesting value-based pricing or volume-based administrative fees.
- Self-Funded Dental and Vision Plan Administration: Revenue generated by administering self-funded dental and vision plans for employers, charging administrative fees based on plan size and configuration complexity. Employers only pay for claims actually incurred, with unused funds remaining in the company's account.
- Direct Billing Services: Premium collection and billing services for employers, managing invoicing, payment collection, and reconciliation for employees not on active payroll. Revenue likely derived from per-transaction or per-employee administrative fees.
- Education Benefits Administration: Tuition reimbursement and student loan repayment plan administration. Employers contribute to employee education benefits tax-free, with Navia administering the program and likely charging a per-participant or flat administrative fee.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Benefits Administration - Customized plans based on employer size and needs |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels9 records
Navia Benefit Solutions product offering
Product offeringCore offering
Navia Benefit Solutions provides consumer-directed benefits administration services to employers, administering pre-tax benefit accounts including FSAs, HSAs, HRAs, LSAs, COBRA, commuter benefits, and self-funded dental and vision plans. The company operates a unified technology platform with participant-facing mobile apps, debit cards, and real-time analytics, serving over 7,000 employers across all 50 U.S. states. Revenue is generated primarily through recurring administrative fees on a per-participant basis for these benefit programs.
Product overview
Navia Benefit Solutions offers a unified benefits administration platform that serves over 7,000 employers across all 50 states. The platform provides a comprehensive suite of tax-advantaged benefit accounts and administration services, including Health Care FSA, Day Care FSA, Limited Health Care FSA, Health Savings Account (with investment options), Health Reimbursement Arrangement (HRA), Scheduled HRA, Lifestyle Spending Account (LSA), COBRA Administration, Direct Billing, Minimum Essential Coverage (MEC), Self-Funded Dental and Vision Plans, Education Benefits (tuition reimbursement and student loan repayment), and Retirement & Wealth Solutions. The platform is complemented by participant-facing tools including the MyNavia Mobile App and Navia Benefits Card, as well as open enrollment education through Navia Benefits Academy. Key differentiators include AI-powered personalization combined with human support, an average 33% FSA participation rate (vs. 20% national average), 98% first-call resolution for customer service, and scalable solutions from startups to large enterprises.
Differentiator
Problem solved
Functional benefit
Brands
- GoNavia: Commuter benefits program offering pre-tax transit and parking benefits
- MyNavia
- Navia Benefits Academy
Quantifiable outcome
- FSA participation increases to 33% vs. 20% national average (65% improvement)
- +7 more outcomes
Companies that use Navia Benefit Solutions
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles2 records
Navia Benefit Solutions technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration28 records
Feature10 records
Navia Benefit Solutions partnerships and signals
Strategic signalPartnerships
32 partnerships are on record, tiered core.
- BEON RetirementcoreNavia expanded its retirement practice through the strategic acquisition of BEON Retirement in January 2026. This acquisition strengthens Navia's ability to offer retirement and wealth solutions alongside its existing benefits administration portfolio, representing a core strategic expansion of the company's service capabilities.
- ADPADP is listed as a partner in Navia's integration ecosystem, providing data integration and benefits administration connectivity. ADP is a major payroll platform, and integration enables seamless data exchange between payroll systems and Navia's benefits administration platform.
- AlegeusAlegeus is listed as a partner in Navia's integration ecosystem, providing technology integration for benefits administration services. Alegeus specializes in HSA and benefit account management platforms.
- ApprizeApprize is listed as a partner in Navia's integration ecosystem for technology integration and data connectivity.
- AvantAvant is listed as a partner in Navia's integration ecosystem, providing technology integration and data connectivity for benefits administration.
- BambooHRBambooHR is listed as a partner in Navia's integration ecosystem. BambooHR is a popular HRIS platform for small and mid-sized businesses, and integration enables seamless benefits data exchange.
- Benefit ElectBenefit Elect is listed as a partner in Navia's integration ecosystem for benefits administration technology connectivity.
- BeneTracBeneTrac is listed as a partner in Navia's integration ecosystem, providing benefits administration platform integration.
- BenXpressBenXpress is listed as a partner in Navia's integration ecosystem for benefits administration connectivity.
- bswiftbswift is listed as a partner in Navia's integration ecosystem. bswift is a benefits administration platform, and integration enables broader benefits ecosystem connectivity.
- BusinessolverBusinessolver is listed as a partner in Navia's integration ecosystem. Businessolver is a benefits administration and enrollment platform, and integration enables expanded benefits ecosystem reach.
- ConduentConduent is listed as a partner in Navia's integration ecosystem. Conduent is a large enterprise benefits and HR services provider, and integration provides expanded enterprise benefits ecosystem connectivity.
- ConnectSourceConnectSource is listed as a partner in Navia's integration ecosystem for benefits administration technology integration.
- Employee NavigatorEmployee Navigator is listed as a partner in Navia's integration ecosystem. Employee Navigator is a benefits administration and HRIS platform for mid-sized employers, and integration enables seamless benefits data exchange.
- ExponentHRExponentHR is listed as a partner in Navia's integration ecosystem for HR and benefits data integration.
- NamelyNamely is listed as a partner in Navia's integration ecosystem. Namely is an HR platform for mid-sized companies, and integration enables benefits data connectivity for Namely's employer clients.
- OktaOkta is listed as a partner in Navia's integration ecosystem for identity and access management integration, enabling secure single sign-on for Navia's platform.
- OneLoginOneLogin is listed as a partner in Navia's integration ecosystem for identity and access management integration, providing secure authentication for Navia's platform.
- WorkdayWorkday is listed as a partner in Navia's integration ecosystem. Workday is a leading enterprise HR and finance platform, and integration enables benefits data connectivity for Workday's large enterprise clients.
- PaycomPaycom is listed as a partner in Navia's integration ecosystem. Paycom is a major payroll and HR platform, and integration enables seamless payroll and benefits data exchange.
- PlanSourcePlanSource is listed as a partner in Navia's integration ecosystem. PlanSource is a benefits administration platform, and integration provides expanded benefits ecosystem connectivity.
- PrismHRPrismHR is listed as a partner in Navia's integration ecosystem. PrismHR specializes in PEO and HR technology platforms, and integration enables benefits administration for PEO clients.
- RipplingRippling is listed as a partner in Navia's integration ecosystem. Rippling is a modern HR and IT platform, and integration enables benefits data connectivity for Rippling's employer clients.
- UKG (Ultimate Kronos Group)UKG is listed as a partner in Navia's integration ecosystem. UKG is a major HR and workforce management platform, and integration enables benefits data connectivity for UKG's enterprise clients.
- WorkterraWorkterra is listed as a partner in Navia's integration ecosystem for benefits administration platform integration.
- KinsideNavia has partnered with Kinside to give employees a powerful, free resource to find, vet, and save on reputable daycare and preschools, integrating dependent care discovery into the Day Care FSA product.
- TrueMedTrueMed is listed as a partner in Navia's integration ecosystem, providing HSA spending integration that enables employees to use HSA funds for eligible expenses.
- SpotHeroSpotHero is listed as a partner in Navia's integration ecosystem for commuter benefits parking solutions.
- TPA StreamTPA Stream is listed as a partner in Navia's integration ecosystem for benefits administration technology and automation connectivity.
- CadreCadre is listed as a partner in Navia's integration ecosystem for benefits administration platform integration.
- FSA StoreFSA Store is listed as a partner in Navia's integration ecosystem, providing a marketplace for FSA-eligible products that integrates with Navia's FSA administration.
- PerkUpNavia partners with PerkUp to deliver co-branded webinars on NDT Checklist, Avoiding Pitfalls, and Perks to Purpose. PerkUp webinars are featured on Navia's What's New page, demonstrating a co-marketing relationship to reach HR professionals and brokers.
Scale indicators14 records
Recent moves6 records
Expansion highlights5 records
Navia Benefit Solutions competitors and assessment
Company assessmentMarket position
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Navia Benefit Solutions social profiles
Digital presenceNavia Benefit Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Navia Benefit Solutions leadership team
Management profileNumber of profiles
Profiles3 records
Navia Benefit Solutions subsidiaries and ownership
Company hierarchySubsidiaries1 record
Navia Benefit Solutions funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Navia Benefit Solutions M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Navia Benefit Solutions
What does Navia Benefit Solutions do?
Navia Benefit Solutions provides consumer-directed benefits administration services to employers, administering pre-tax benefit accounts including FSAs, HSAs, HRAs, LSAs, COBRA, commuter benefits, and self-funded dental and vision plans. The company operates a unified technology platform with participant-facing mobile apps, debit cards, and real-time analytics, serving over 7,000 employers across all 50 U.S. states. Revenue is generated primarily through recurring administrative fees on a per-participant basis for these benefit programs.
Is Navia Benefit Solutions a public or private company?
Navia Benefit Solutions is a private company. It is classified as venture growth investor backed and is currently operating.
When was Navia Benefit Solutions founded?
Navia Benefit Solutions was founded in 1989. It employs 251 to 500 people.
Where is Navia Benefit Solutions based?
Navia Benefit Solutions is headquartered in Renton, United States, in the North America region.
How does Navia Benefit Solutions make money?
Five revenue lines are on record. Benefits Administration Services are the primary driver. The others are scheduled HRA Administration, self-Funded Dental and Vision Plan Administration, direct Billing Services and education Benefits Administration.
Does Navia Benefit Solutions have an API?
No public API is recorded for Navia Benefit Solutions.
What industry is Navia Benefit Solutions in?
Navia Benefit Solutions's product category is Employee Benefits Administration. Its primary akta.pro industry code is HLAEALAK, Flexible Benefits Administration (FSA/HSA/HRA), with a secondary code of HLAEALAH, Eligibility, Enrollment & Benefits Administration. Its NAICS code is 525120 and its SIC code is 6411.