bswift vs Empower Health and Welfare Benefits Administration

bswift is an AI-native benefits administration platform for managing enrollment, eligibility, and compliance. It supports complex workforces that can include distributed teams, unions, retirees, variable-hour staff, varying eligibility rules, and grandfathered programs. Emma EnrollPro guides enrollment, Emma Chat answers employee questions, and Emma AdminPro creates charts and reports from plain-language requests. Employers can choose Simplify, a predefined implementation path, or Unlimited, a customizable path. The Connectivity Hub lists HR and payroll connections including ADP, UKG, Paylocity, and Workday, alongside carrier connections and APIs for keeping eligibility and enrollment data current. The mobile-first experience covers plans such as medical, dental, vision, prescription drug, life, disability, FSA, HSA, HRA, COBRA, retirement, commuter, wellness, legal, and pet insurance. Services include COBRA administration, billing and compliance, dependent verification, payroll reconciliation, employee engagement, and a 24/7 service center. bswift says data is encrypted in transit and at rest and its Security Operations Center monitors threats 24/7. Pricing is available on request.

Empower Health and Welfare Benefits Administration helps employers administer employee health and welfare plans, including eligibility, enrollment, and ongoing plan management. Its customizable MyBenefitChoice platform gives employees a branded portal for open enrollment, life events, benefits information, and decision support. Employees can use step-by-step or pick-and-choose enrollment, submit life events, and upload supporting documents. The portal is available 24/7 by smartphone, tablet, or computer, with mobile access through a browser. Administrator tools cover HR administration, carrier billing and reporting, carrier file management, dependent and life-event verification, rules-based eligibility, and role-based access. Sponsors can view real-time plan data in prebuilt and custom reports. The service also includes custom-branded communications, year-round education, integrated support, and personalized medical cost estimates. Empower lists multifactor authentication, AES-256 encryption at rest, TLS 1.2 or higher in transit, and a SOC 2 Type 2 attestation. It is available on Android, iOS, and the web. Pricing is not displayed; organizations are directed to contact an Empower representative.