Employee Benefits Administration Services — Kervigo Private Limited
New group enrollment, open enrollment, life events, carrier reconciliation, ACA compliance — Kervigo handles the full benefits back-office stack for US brokers. Your team focuses on clients. We handle the administration.
Full-Cycle Benefits Administration Support
Six core service areas covering every repetitive, time-consuming benefits task in your brokerage — from the first enrollment to annual renewal, and every life event in between.
New Group Enrollment
We manage the full enrollment process for new groups — collecting employee data, completing carrier applications, and confirming coverage effective dates — so your team can focus on the relationship, not the paperwork.
- Employee census collection & formatting
- Carrier application completion
- Enrollment form processing & tracking
- Coverage effective date confirmation
- Welcome packet coordination
- AMS group record setup
Open Enrollment Management
Open enrollment season doesn't have to be chaos. We handle the entire back-end — from employee change forms to carrier submissions — so your brokers can focus on client relationships and plan strategy.
- Change form collection & processing
- Carrier submission management
- Eligibility verification
- Enrollment confirmation reconciliation
- Waiver form tracking
- Enrollment deadline monitoring
Ongoing Eligibility & Life Events
Marriages, new hires, terminations, and qualifying life events — we process every change accurately and on time, keeping your groups compliant and every employee covered correctly.
- New hire enrollment processing
- Termination & COBRA notification support
- Qualifying life event (QLE) changes
- Dependent addition & verification
- Address and beneficiary updates
- Carrier portal eligibility updates
Carrier Submissions & Billing Reconciliation
We submit enrollment data to carriers, reconcile billing discrepancies, and resolve eligibility issues — catching the errors that lead to coverage gaps and unhappy clients.
- Electronic & paper carrier submissions
- Premium billing reconciliation
- Eligibility discrepancy identification & resolution
- Carrier portal management
- Retroactive enrollment corrections
- Billing dispute documentation
Renewal & Re-enrollment Support
We prepare renewal packages, coordinate employee communications, and manage the re-enrollment process — making annual renewals smooth for your agency and your employer clients.
- Renewal package preparation
- Plan comparison summary creation
- Employee communication support
- Re-enrollment form processing
- Carrier rate change documentation
- Renewal timeline management
Compliance & Reporting Support
ACA reporting, 5500 data preparation, and compliance documentation support — helping your agency keep employer clients on the right side of federal and state requirements.
- ACA 1094/1095 data preparation
- Form 5500 data support
- ERISA documentation assistance
- Compliance calendar management
- SBC and SPD distribution tracking
- Audit-ready file maintenance
What Benefits Brokers Gain When They Outsource
The brokerages that grow fastest aren't the ones with the most staff — they're the ones who've stopped doing administration in-house.
Open Enrollment Shouldn't Consume Your Team
Benefits brokers spend 60–70% of Q4 on enrollment administration. Kervigo absorbs that workload so your team can spend OE season strengthening client relationships and prospecting new groups.
Eligibility Errors Are Expensive
A missed termination, a late enrollment, a billing discrepancy — these aren't just administrative headaches. They create coverage gaps, compliance exposure, and unhappy clients. Our structured process catches them before they escalate.
Grow Your Book Without Growing Your Overhead
Adding groups shouldn't mean adding headcount. Kervigo scales with your enrollment volume — handling 10 groups or 100 with the same accuracy and turnaround, at a fraction of the cost of in-house staff.
Benefits-Trained Staff, Not Generalists
Our team understands benefits enrollment workflows, carrier portal requirements, ACA compliance nuances, and the specific documentation standards that benefits brokers need. You're not training us — we're ready.
Simple, Repeatable, Reliable
Every benefits task follows the same four-step process — so you always know what to expect and when.
Task Received
You submit enrollment tasks, change requests, or compliance items via email, AMS notes, or your preferred workflow. We confirm receipt and turnaround.
Processing
Our benefits-trained team works the task in your AMS and carrier portals — following your documented workflow and carrier-specific requirements exactly.
Quality Review
Every completed task goes through a structured accuracy check — eligibility verified, forms confirmed, carrier submissions reconciled — before it's returned.
Delivery & Confirmation
Completed work is returned with a summary of actions taken. AMS records updated, carrier confirmations logged, and your file is audit-ready.
Major Carriers We Work With
Our team is trained on the portal workflows and submission requirements of all major benefits carriers.
We Work in Your Systems
No migration required. We work directly in your AMS and benefits administration platform from day one.
From Benefits Brokers Who've Made the Switch
"Open enrollment used to mean three months of my team working nights and weekends. Last year, Kervigo handled the entire back-end and my team left at 5pm every day."
Angela T.
Benefits Broker — New York
"We had a billing reconciliation nightmare with one of our largest groups. Kervigo found 14 discrepancies in the first audit. That's money our client would have lost."
Carlos M.
Group Benefits Specialist — California
"I was worried about the compliance piece. Kervigo's ACA documentation support is thorough and organized. Our 5500 prep this year was the smoothest it's ever been."
Diane R.
Employee Benefits Agency Owner — Ohio
Employee Benefits FAQ
Do you handle both fully-insured and self-funded groups?
Yes. We support fully-insured, level-funded, and self-funded group administration. For self-funded groups, we work with your TPA's portal and documentation requirements in addition to the carrier or stop-loss carrier.
How do you handle open enrollment for large groups?
We scale our team to match your OE volume. For large groups (100+ employees), we assign a dedicated processor and set up a structured workflow with daily progress updates. We've managed OE for groups up to 500 employees without disruption.
Which benefits administration platforms do you work in?
We work in Applied Epic, AMS360, Ease, Employee Navigator, BenefitPoint, Zywave, PlanSource, and most other major platforms. If you use a platform not listed, we'll document your workflow and adapt quickly.
Can you handle COBRA notifications and administration support?
Yes. We process terminations and prepare COBRA notification documentation for your COBRA administrator or TPA. We don't serve as the COBRA administrator ourselves, but we handle all the upstream documentation and carrier portal updates.
How do you handle ACA compliance documentation?
We prepare 1094/1095 data, maintain eligibility records, and support Form 5500 data compilation. We work alongside your compliance counsel or TPA — we handle the data and documentation, they handle the filings.
What's your turnaround for life event changes and new hire enrollments?
Standard turnaround is 24 hours. For time-sensitive changes — terminations with imminent coverage end dates, new hires with immediate effective dates — we have an escalation protocol for same-day processing.
Other Services We Offer
Let Kervigo Handle Benefits Admin — You Handle Clients
Most brokerages are fully onboarded within 5–7 business days. Start with a free consultation — we'll map out exactly which benefits tasks we'd take off your plate and what that's worth to your team.