HRC Total Solutions, LLC

A third-party administrator based in Manchester, New Hampshire, HRC Total Solutions handles the paperwork behind employee benefit accounts for employers and brokers across the country. The firm was founded in 2001 and offers a single source for benefit administration, so that a client can hand over employee benefit tasks while keeping its own focus on the core business.

Spending accounts and health reimbursement plans

The administrator runs flexible spending accounts for pre-tax health and dependent care spending, along with healthcare reimbursement arrangements that employers fund for their staff. It also administers health savings accounts, and lifestyle reimbursement accounts that cover wellbeing costs. Each plan is set up to the employer's design and the participant's needs.

COBRA continuation coverage and direct billing

COBRA benefits management covers the continuation coverage that employees may keep after leaving a job, including direct billing for the people who keep that coverage. This is one of the services where compliance with state and federal rules matters most, and the firm says it protects client data and keeps its work within those regulations.

Commuter benefit plans

Commuter benefit plans under section 132 of the tax code let employees set aside pre-tax money for parking and transit costs. The administrator runs these plans for employers that want to offer commuting support without changing payroll for each worker.

Claims processing and online access

The firm's claims technology is an automated processing engine that can work with any carrier, vendor or human resources department. An online portal lets employers, participants and brokers manage claims, make payments and update details, and participants can use mobile apps. The company also offers custom reporting and online enrollment.

Platform partners and recent security changes

The business says its platform is powered by WEX and Monday.com, which it says brings flexibility and customization to its broker and employer partners. The administrator has also introduced multi-factor authentication, account takeover protection and dark web monitoring for its online services, and it treats that security work as part of the account experience for clients and members.

Employers and brokers as clients

Large and small employers, along with the brokers and consultants who advise them, make up the client base. Brokers and consultants use a quote request form to ask the sales team about a new plan setup, and employers and participants contact the customer service team with questions about their plans, claims and account access. The firm presents its aim as simplifying administration through technology while keeping customer service at the center.