Navia Benefit Solutions

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.

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

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

• Benefits administration services
• Consumer-directed benefits
• FSA HSA administration
• COBRA administration services
• Retirement plan solutions

Headquarters

HQ city

Renton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. 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.
3. 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.
4. 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.
5. 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

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core 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

Named customers10 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration28 records

Feature10 records

Partnerships

32 partnerships are on record, tiered core.

• BEON RetirementcoreStrategic or Co-development Partner · 5 January 2026Navia 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.
• ADPTechnology or IntegrationADP 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.
• AlegeusTechnology or IntegrationAlegeus 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.
• ApprizeTechnology or IntegrationApprize is listed as a partner in Navia's integration ecosystem for technology integration and data connectivity.
• AvantTechnology or IntegrationAvant is listed as a partner in Navia's integration ecosystem, providing technology integration and data connectivity for benefits administration.
• BambooHRTechnology or IntegrationBambooHR 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 ElectTechnology or IntegrationBenefit Elect is listed as a partner in Navia's integration ecosystem for benefits administration technology connectivity.
• BeneTracTechnology or IntegrationBeneTrac is listed as a partner in Navia's integration ecosystem, providing benefits administration platform integration.
• BenXpressTechnology or IntegrationBenXpress is listed as a partner in Navia's integration ecosystem for benefits administration connectivity.
• bswiftTechnology or Integrationbswift is listed as a partner in Navia's integration ecosystem. bswift is a benefits administration platform, and integration enables broader benefits ecosystem connectivity.
• BusinessolverTechnology or IntegrationBusinessolver 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.
• ConduentTechnology or IntegrationConduent 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.
• ConnectSourceTechnology or IntegrationConnectSource is listed as a partner in Navia's integration ecosystem for benefits administration technology integration.
• Employee NavigatorTechnology or IntegrationEmployee 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.
• ExponentHRTechnology or IntegrationExponentHR is listed as a partner in Navia's integration ecosystem for HR and benefits data integration.
• NamelyTechnology or IntegrationNamely 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.
• OktaTechnology or IntegrationOkta 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.
• OneLoginTechnology or IntegrationOneLogin is listed as a partner in Navia's integration ecosystem for identity and access management integration, providing secure authentication for Navia's platform.
• WorkdayTechnology or IntegrationWorkday 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.
• PaycomTechnology or IntegrationPaycom 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.
• PlanSourceTechnology or IntegrationPlanSource is listed as a partner in Navia's integration ecosystem. PlanSource is a benefits administration platform, and integration provides expanded benefits ecosystem connectivity.
• PrismHRTechnology or IntegrationPrismHR 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.
• RipplingTechnology or IntegrationRippling 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)Technology or IntegrationUKG 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.
• WorkterraTechnology or IntegrationWorkterra is listed as a partner in Navia's integration ecosystem for benefits administration platform integration.
• KinsideTechnology or IntegrationNavia 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.
• TrueMedTechnology or IntegrationTrueMed is listed as a partner in Navia's integration ecosystem, providing HSA spending integration that enables employees to use HSA funds for eligible expenses.
• SpotHeroTechnology or IntegrationSpotHero is listed as a partner in Navia's integration ecosystem for commuter benefits parking solutions.
• TPA StreamTechnology or IntegrationTPA Stream is listed as a partner in Navia's integration ecosystem for benefits administration technology and automation connectivity.
• CadreTechnology or IntegrationCadre is listed as a partner in Navia's integration ecosystem for benefits administration platform integration.
• FSA StoreTechnology or IntegrationFSA 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.
• PerkUpGTM or Marketing PartnerNavia 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

Market position

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/navia-benefit-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Navia Benefit Solutions