Benefits

Benefits that land
on the same stub.

Medical, dental, vision, 401(k) and monthly stipends, enrolled inside your product and deducted on the next paycheck. The carrier gets the file the same night.

tendcare

Fri 06:00

You got paid

$1,118.44

Deposit · ••5526

Earnings

$1,288.80

Mileage

$84.36

Taxes

−$203.46

Dental

−$12.60

401(k) 3%

−$38.66

Net pay

$1,118.44

(01) Plans

Pick a tier,
watch the paycheck move.

Enrollment and payroll share one record, so the deduction and the employer share land on the same stub.

Medical · PPO 1500 · plan year 2026 · cost per weekly paycheck

Employee

$61.50

+ Spouse

$138.20

+ Children

$121.76

Family

$214.30

Employer pays 55% · $261.92

Marisol pays 45% · $214.30

$1,177.11

Marisol’s net, Friday

Medical · PPO 1500 · plan year 2026 · cost per weekly paycheck

Employee

$61.50

+ Spouse

$138.20

+ Children

$121.76

Family

$214.30

Employer pays 55% · $261.92

Marisol pays 45% · $214.30

$1,177.11

Marisol’s net, Friday

Medical PPO 1500

Medical PPO 1500

Medical

A PPO plan with a $1,500 deductible. Employees pick one of four coverage tiers and see the deduction on their next paystub.

$61.50

$61.50

Medical HDHP + HSA

Medical HDHP + HSA

Medical

A high-deductible plan paired with a health savings account. Lower premiums, and the employer can add to the HSA every paycheck.

$41.00

$41.00

Dental

Dental

Dental

Cleanings and check-ups covered in full, fillings and crowns shared with the employee.

$18.40

$18.40

Vision

Vision

Vision

A yearly eye exam and an allowance for frames or contact lenses.

$3.10

$3.10

401(k)

401(k)

Retirement

Retirement savings from each paycheck, pre-tax or Roth, with an employer match.

4% of pay

4% of pay

Life & AD&D

Life & AD&D

Life

Basic life and accidental death cover of one year's salary, up to $50,000, paid by the employer.

$0.00

$0.00

(02) Stipends

A monthly budget,
spent the way they live.

Wellness, remote work, learning and commuting. Employees submit receipts and get paid back on the next run. Unused balance can roll over, up to a cap the employer sets.

Monthly stipends · roll-over up to a cap

Day 1

Day 30

Wellness

$100 / month

No spend yet this month

$100.00 left

Remote work

$75 / month

No spend yet this month

$75.00 left

Learning

$150 / month

No spend yet this month

$150.00 left

Commuter

$60 / month

No spend yet this month

$60.00 left

Monthly stipends · roll-over up to a cap

Day 1

Day 30

Wellness

$100 / month

No spend yet this month

$100.00 left

Remote work

$75 / month

No spend yet this month

$75.00 left

Learning

$150 / month

No spend yet this month

$150.00 left

Commuter

$60 / month

No spend yet this month

$60.00 left

(03) Earned wage access

Paid for the hours
they already worked.

Employees see what they’ve earned during the shift and can take part of it before Friday. No fee to them, no cost to the employer.

07:00

08:00

09:00

10:00

11:00

12:00

13:00

14:00

15:00

$24.60

$49.20

$73.80

$98.40

Earned so far · Marisol · 11:00

$98.40

Available now · fee $0 · instant

$49.20

On Friday the advance shows as one line on the stub: − Earned wage advance $49.20.

(04) Carrier file

One enrollment,
read by people and by carriers.

What your customer sees as a form leaves Payrun as an EDI 834 line the same night, and comes back acknowledged.

Human

EDI 834

Employee

Marisol Vega · Basil POS

Plan

Medical · PPO 1500

Coverage tier

Employee only

Deduction

$61.50 per weekly paycheck, pre-tax

Effective

Mon, Oct 19, 2026

Sent 23:00 ET · acknowledged by the carrier 23:04 ET

Human

EDI 834

Employee

Marisol Vega · Basil POS

Plan

Medical · PPO 1500

Coverage tier

Employee only

Deduction

$61.50 per weekly paycheck, pre-tax

Effective

Mon, Oct 19, 2026

Sent 23:00 ET · acknowledged by the carrier 23:04 ET

Questions

Benefits questions,
answered briefly.

Which benefits can employees enroll in?

Which benefits can employees enroll in?

Two medical plans, PPO 1500 and HDHP with an HSA, plus dental, vision, a 401(k) and life & AD&D. Employers can add four monthly stipends: wellness, remote, learning and commuter.

How does a plan choice reach the paystub?

How does a plan choice reach the paystub?

Enrollment and payroll share one record. Pick a tier and the deduction, the employer share and the net pay change on the next paycheck. Marisol Vega moving from Employee to Family on the PPO pays $214.30 a week instead of $61.50, and her net goes from $1,284.60 to $1,177.11.

Are premiums taken before tax?

Are premiums taken before tax?

Medical, dental and vision premiums come out under Section 125, before federal income tax and FICA. 401(k) contributions come out before federal income tax only. Each line on the stub says which.

How does the carrier get the enrollment?

How does the carrier get the enrollment?

We send the carrier an EDI 834 file the same night. Marisol's enrollment left at 11 p.m. ET and was acknowledged at 11:04 p.m. ET.

What is earned wage access?

What is earned wage access?

Employees can take part of what they've already earned before payday, instantly, with a $0 fee and no cost to the employer. The advance comes back as one line on Friday's stub: − Earned wage advance $49.20.

Do unused stipends roll over?

Do unused stipends roll over?

Yes, if the employer switches roll-over on, up to a cap they set. A $100 wellness stipend with a gym, a yoga class and running shoes on it still has $16.40 left on day 30.

Offer benefits

without becoming a broker.

We handle enrollment, deductions and carrier files. You keep the relationship with your customers.

Offer benefits

without becoming a broker.

We handle enrollment, deductions and carrier files. You keep the relationship with your customers.

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