Clarity Benefit Solutions
Clarity Benefit Solutions is a US-based benefits administration platform providing HSA, FSA, HRA, commuter, and compliance solutions to employers ranging from 50 to 50,000+ lives, distributed through brokers and payroll/HCM partners including Employee Navigator, bswift, ADP, and Paycor.
- Company typePrivate
- Founded1992
- HeadquartersClark, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Clarity Benefit Solutions does
Clarity Benefit Solutions is a privately held, US-based benefits administration platform founded in 1992 as BeneFlex and rebranded under its current name in 2016. The company provides consumer-directed benefit accounts (HSA, FSA, HRA, Dependent Care, commuter/SmartRide) alongside a compliance suite (COBRA, Direct Bill, ERISA, POP), a Lifestyle Spending Account, and a wage parity product for home care workers. Its technology stack is built on a dual-platform architecture, leveraging Employee Navigator for employers up to 500 lives and bswift (backed by CVS Health) for clients with 250+ lives, with API, EDI, FTP, and SSO integrations to payroll providers and insurance carriers. Differentiated features include the Alegeus-powered Clarity Benefit Card, the AI-driven Ask Emma virtual assistant, a multi-lingual chatbot, predictive HSA analytics, and on-demand payroll advances tied to HSA balances. Clarity holds HIPAA and SOC 2 Type 2 certifications.
The company generates revenue through three streams: recurring subscription fees on its benefits administration platform, transaction and processing fees on benefit card swipes and claim substantiation, and professional services for implementation and ongoing client support. Go-to-market is sales-led with a heavy broker and partner overlay, including an exclusive reseller arrangement with Paylocity in the North East (since 2007) and marketplace integrations with ADP, Paycor, Deltek, and Ease. The company serves three primary segments: insurance brokers and benefit advisors, employers ranging from 50-life groups to 50,000+ life groups, and the employees of those employers, with secondary relationships to payroll/HCM providers, health plans, and associations or trusts. Clarity maintains five US offices (Woodbridge, NJ headquarters plus Washington DC, Atlanta, Houston, and Florida regional offices opened in 2019), supports customer service in 230+ languages, and reports a customer base exceeding 100,000 consumer accounts.
Clarity Benefit Solutions firmographics
Firmographics- Name
- Clarity Benefit Solutions
- Legal name
- Clarity Benefit Solutions
- Website
- https://claritybenefitsolutions.com
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Clarity Benefit Solutions is a US-based benefits administration platform providing HSA, FSA, HRA, commuter, and compliance solutions to employers ranging from 50 to 50,000+ lives, distributed through brokers and payroll/HCM partners including Employee Navigator, bswift, ADP, and Paycor.
- Ownership category
- akta.pro rank
Clarity Benefit Solutions industry classification
Industry- Product category
- Employee Benefits Administration Software
- NAICS
- Health and Welfare Funds (52512), Health and Welfare Funds (525120), Business Service Centers (56143)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Benefits Administration (BPACAPAC)
- akta.pro secondary industries
- Benefits Administration & Total Rewards Outsourcing (BPACAKAE), Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK), Workforce Benefits Administration (Enrollment & Deductions) (BPACAIAF)
Keywords
Where Clarity Benefit Solutions is headquartered
LocationHeadquarters
- HQ city
- Clark
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Clarity Benefit Solutions business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Benefits Administration Platform Subscription: Subscription-based revenue from providing cloud-based benefits administration software. Pricing varies by client size from 50-life groups to 50k-life groups. Revenue derived from platform access, administration fees, and per-user charges through technology partnerships with Employee Navigator and bswift.
- Transaction and Processing Fees: Fees generated from processing claims, benefit card transactions, and other financial transactions through the Clarity platform. Includes claim substantiation, card swipe fees, and reimbursement processing.
- Professional Services: Implementation services, carrier and payroll integration, ongoing support, and expert consultation provided as part of the service offering. Includes dedicated Client Relationship Manager support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Employee Navigator tier for small clients (up to 500 employees) |
| Subscription | Annual | Bswift tier for mid-to-large clients (250+ employees) |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels8 records
Clarity Benefit Solutions product offering
Product offeringCore offering
Clarity Benefit Solutions provides cloud-based employee benefits administration software and consumer-directed benefit accounts (HSA, FSA, HRA, DCA, commuter benefits, lifestyle spending accounts) alongside compliance solutions (COBRA, ERISA, POP, Direct Bill). The platform unifies benefits enrollment, payroll/HR integration, claims processing, and regulatory compliance for US employers of 50 to 50,000+ employees and the brokers and partners that serve them.
Product overview
Clarity Benefit Solutions is a benefits administration platform offering a comprehensive suite of consumer-directed benefit solutions. The platform operates as a unified platform-plus-modules architecture centered on Clarity Complete, which integrates HR, payroll, benefits, and compliance into one system. The core product portfolio includes consumer-directed benefits (Clarity HSA with predictive analytics and payroll advances, Clarity FSA with automated substantiation, Clarity Dependent Care, Clarity HRA with flexible plan design), commuter and lifestyle benefits (Clarity SmartRide, Clarity SimplyWell Lifestyle Spending Account, Clarity Wage Parity), and compliance solutions (Clarity COBRA with automated notifications, Clarity Direct Bill, Clarity ERISA, Clarity POP). The administration platform leverages partnerships with Employee Navigator (for clients up to 500 employees) and bswift (for clients 250+ employees), with seamless API/EDI/SSO integration to payroll providers and insurance carriers. Key features include the AI-powered Ask Emma virtual assistant, Clarity Benefit Card for point-of-sale access, and Clarity Mobile App for on-the-go account management.
Differentiator
Problem solved
Functional benefit
Brands
- BeneFlex: Original company name prior to 2016 rebrand. One of the first providers of Flexible Benefit Plans.
- EmpowerMeBenefits
- Clarity Complete Bundles
- Clarity Complete Compliance
- Clarity Complete Compliance Plus
- Clarity BenefitConnect
- Clarity SimplyWell
- Fatal Benefits Podcast
Products and services
- Clarity Complete All-in-one life benefits bundle that integrates HSA, FSA, DCA, HRA, SmartRide commuter benefits, benefit administration, and compliance into a single platform for employers.
- Clarity HSA Health Savings Account offering on-demand interest-free payroll advances, high-yield interest options, multiple investment models, and predictive analytics tools for long-term healthcare savings.
- Clarity FSA Flexible Spending Account administration with automated claim filing and card substantiation, eliminating the need for employees to file claims and paperwork through seamless carrier integration.
- Clarity Dependent Care Dependent Care Account (DCA) allowing employees to use pre-tax dollars for out-of-pocket child and adult dependent care expenses.
- Clarity HRA Health Reimbursement Account funded by employers to reimburse employees for qualified medical expenses, with flexible dollar amounts and payment schedules.
- Clarity SmartRide Commuter benefit solution offering money-saving options for public transportation, parking, and rideshare platforms like UberPool and Lyft Line with monthly flexibility.
- Clarity Wage Parity Wage parity benefit program for home care workers providing tax-advantaged benefits in lieu of cash wages.
- Clarity SimplyWell Lifestyle Spending Account (LSA) providing flexible employer-funded benefits for lifestyle expenses including fitness, education, home office goods, and pet care.
- Clarity COBRA Web-based COBRA administration solution integrating with payroll and benefit platforms, automating required notifications and minimizing penalty risks.
- Clarity Direct Bill Direct billing solution for managing benefit-related billing and payment collection.
- Clarity ERISA ERISA compliance solution automating wrap plan document creation and summary plan description (SPD) generation for all benefit plans.
- Clarity POP Premium Only Plan (POP) compliance solution for Section 125 cafeteria plans.
- Clarity Benefit Administration
- Clarity BenefitConnect Paper-free claims experience for employees using FSA and HRA programs, formerly known as Clarity Quick Claim.
- Clarity Complete Compliance
- Clarity Complete Compliance+
Quantifiable outcome
- 3x higher customer service scores than competition
- +3 more outcomes
Companies that use Clarity Benefit Solutions
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles3 records
Clarity Benefit Solutions technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
AI capability4 records
Feature8 records
Clarity Benefit Solutions partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and major.
- TruemedcoreStrategic partnership enabling eligible Clarity participants to use pre-tax HSA and FSA funds for evidence-based health interventions—including fitness equipment, sleep and recovery tools, light therapy, and adaptive footwear—when recommended by a licensed practitioner and supported by a Letter of Medical Necessity. The integration maintains IRS compliance while expanding eligible categories to increase employee engagement and accessibility.
- ADP MarketplacemajorADP Marketplace integration partnership established in 2022 enabling benefits administration integration with ADP payroll and HR platforms.
- PaycormajorPartnership established in 2022 for benefits administration platform integration with Paycor's HR and payroll solutions.
- DeltekmajorPartnership established in 2022 integrating Clarity's benefits administration with Deltek's project-based business management software.
- EasemajorPartnership established in 2022 for benefits administration platform integration with Ease's HR and benefits management solutions.
- Alegeus TechnologycorePartnership established in 1997 to become one of the first adopters of Smart Debit Card Technology. Alegeus provides the debit card infrastructure for Clarity Benefit Card transactions.
- PaylocitycoreExclusive reseller partnership in the North East region established in 2007. Paylocity distributes Clarity's benefits administration solutions to their customer base.
- Employee NavigatorcoreTechnology partnership for benefits administration lifecycle automation. Employee Navigator provides paperless online enrollment that saves time, improves communication, and promotes retention. Ideal for clients with up to 500 employees.
- bswiftcoreTechnology partnership providing enterprise-level benefits administration and payroll integration. Bswift's cloud-based technology provides greater control, less risk, and more predictable costs. Ideal for clients with 250+ employees. Platform securely linked to payroll, HR, carrier, enrollment, and COBRA processes.
Scale indicators7 records
Recent moves7 records
Expansion highlights6 records
Clarity Benefit Solutions competitors and assessment
Company assessmentBroad incumbents
- Paylocity: HCM/payroll platform and Clarity's exclusive NE reseller since 2007. Competes at the platform level with broader HRIS functionality, while channeling Clarity's benefits administration to its customer base.
- ADP (TotalSource / ADP Benefits): Large payroll/HCM incumbent that is both a Clarity partner (ADP Marketplace listing) and a competitor through its broader benefits administration capabilities and PEO offerings.
Direct peers
- bswift: Cloud-based benefits administration and exchange platform owned by CVS Health. Both competitor and infrastructure partner to Clarity (Clarity uses bswift for 250+ employee clients).
- PlanSource: Cloud-based benefits administration and decision-support platform serving employers and brokers across HSA, FSA, HRA, COBRA, and enrollment. Direct competitor with overlapping broker-led GTM.
- HealthEquity: Large, publicly traded HSA and consumer-directed benefit administrator. Directly competes with Clarity in HSA/FSA/HRA administration for employer-sponsored accounts at far greater scale.
- WEX Health (WEX Inc.): Provides HSA, FSA, HRA, and COBRA administration through its Benefits Administration platform. Direct competitor in the same consumer-directed benefit account category.
- Benefitfocus (Voya Financial): Benefits administration platform serving employers and brokers with enrollment, ACA, and consumer-driven health account tools. Direct competitor in the employer benefits administration space.
- Employee Navigator: Benefits administration and HR software for small and mid-sized employers. Both competitor and infrastructure partner to Clarity (Clarity uses Employee Navigator for up to 500 employee clients).
- Alegeus Technologies: Consumer-directed benefit and debit card platform that powers Clarity's smart debit card. Alegeus also sells its own benefits administration SaaS to employers and TPAs, making it both partner and competitor.
Emerging players
- OneInc: Provider of payments and billing technology for the insurance industry, including HSA/FSA and benefits premium billing. Comparable as an emerging platform addressing payments modernization in the same benefit administration ecosystem.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Clarity Benefit Solutions social profiles
Digital presenceClarity Benefit Solutions compliance and trust
Trust signalCompliance2 records
Clarity Benefit Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Clarity Benefit Solutions leadership team
Management profileNumber of profiles
Profiles3 records
Clarity Benefit Solutions subsidiaries and ownership
Company hierarchySubsidiaries1 record
Clarity Benefit Solutions funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Clarity Benefit Solutions M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Clarity Benefit Solutions
What does Clarity Benefit Solutions do?
Clarity Benefit Solutions provides cloud-based employee benefits administration software and consumer-directed benefit accounts (HSA, FSA, HRA, DCA, commuter benefits, lifestyle spending accounts) alongside compliance solutions (COBRA, ERISA, POP, Direct Bill). The platform unifies benefits enrollment, payroll/HR integration, claims processing, and regulatory compliance for US employers of 50 to 50,000+ employees and the brokers and partners that serve them.
Is Clarity Benefit Solutions a public or private company?
Clarity Benefit Solutions is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Clarity Benefit Solutions founded?
Clarity Benefit Solutions was founded in 1992. It employs 51 to 100 people.
Where is Clarity Benefit Solutions based?
Clarity Benefit Solutions is headquartered in Clark, United States, in the North America region.
How does Clarity Benefit Solutions make money?
Three revenue lines are on record. Benefits Administration Platform Subscription is the primary driver. The others are transaction and Processing Fees and professional Services.
Who are Clarity Benefit Solutions's main competitors?
Broad incumbents on record are Paylocity and ADP (TotalSource / ADP Benefits). Direct peers are bswift, PlanSource, HealthEquity, WEX Health (WEX Inc.), Benefitfocus (Voya Financial), Employee Navigator and Alegeus Technologies. OneInc is listed as an emerging player.
Does Clarity Benefit Solutions have an API?
No public API is recorded for Clarity Benefit Solutions.
What industry is Clarity Benefit Solutions in?
Clarity Benefit Solutions's product category is Employee Benefits Administration Software. Its primary akta.pro industry code is BPACAPAC, Benefits Administration, with a secondary code of BPACAKAE, Benefits Administration & Total Rewards Outsourcing. Its NAICS code is 52512 and its SIC code is 7372.