Employee Benefits are Broken

One-size Does Not Fit All

Delivering Personalized Benefits Programs for Employees

New tax laws have made it possible for employers to give employees more options at lower prices to meet the needs of every employee. 

New Health Insurance Laws can Lower Health Care Costs Now

A Program to Meet Every Employees Needs

Precision Benefits

Smart Tablet

The New Math of Employee Benefits is Here

Our Unique Algorithms Help Employees Properly Allocate Financial Resources

Precision Benefits

Ask About our Just in Time Asset Allocation

It's Personal

The current one-size-fits-all programs are not meeting the needs of all employees.  A Precision benefits program gives every employee the ability to allocate their benefits dollars to meet their specific needs.

It's Private

Let’s face it, people like privacy. Whether an employee buys an app to help them with depression or weight loss or simply wants to create an emergency fund the use of their funds is private.


It's Portable

It is hard for an employee to invest in programs that “turn-off if they quit or lose their job. Much like a 401K, an employee’s health insurance, health savings account money, and other programs they have invested in are best if they are portable. 


nfor1 where n = the many options for employees

Health Savings Account

Fitness Tracking App

College Debt Repayment

College Planning

Emergency Fund

Genetic Testing

Life Insurance

Nutrition Coaching

Health Advocate

Smoking Cessation Program

Health Insurance

Identity Theft Protection

Legal Access

Deliver a Personalized & Modern Benefits Program

Man with Striped T-shirt
Young Woman
General Manager Portrait
27 Year-old Single Male
Income - $36,000
Employer Funds           $400
  $4000 Ded Health Insurance              $270
  College Debt Repayment                      $75
  Fitness App                                             $5
  Emergency Fund                                  $50
                                                   Total   $400
  Employee Deduction                               $0
33 Year-old Married 2 Children
Income - $55,000
Employer Funds         $1,500
 $2000 Ded Health Insurance           $1,442
 HSA Contribution                                  $75
 Childcare                                             $600
 Telehealth                                                $5
                                                Total   $2,097
 Employee Deduction                           $597
60 Year-old Married - Children Grown
Income - $75,000
Employer Funds         $1,400
 $3000 Ded Health Insurance           $1,442
 HSA Contribution                                $500
 Health Advocate                                   $13
                                                Total   $1,955
 Employee Deduction                           $555
The average college graduate has $26,000 in debt.
The average cost of child care in the United States ranged between $9100 and $9600
48% of Americans are struggling with their weight.
A recent study by Fidelity found that a 65-year old couple retiring in 2020 will pay an average of $295,000 in health care costs over their lifetime.
Key in the Lock
There is a Better Benefits World out there
  • New Laws Have Enabled Employers to Reimagine Employee Benefits and Reduce Costs
Employers hold the Key to a Better Benefits Future
  • However, the Industry is Hiding it from you.
  • You Can Release the Power to Your Employees
  • It Doesn't Hurt to Look at What is Possible

The Process


Our Unique Algorithms Ensure Employees Make the Best Benefits Decisions


Our Online Process Makes Things Easy for Employess to Enroll


Our Streamlined Processes and Personalized Support Makes This Worry-free for Employers


405 Waltham St #221 Lexington MA 02421

joemarkland@n4onehr.com  Tel: 508-498-7591

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