By SAVVI TEAM

‍

Key insights from Jake Aldrich (SAVVI Financial) and Ben Yomtoob (BuckleyRoberts HR Tech Consulting).

Employer Challenges

1. The Benefits Engagement Crisis: Employers spend heavy capital on microsites and mailers, yet employees still rush decisions at 4:30 PM on the final day of open enrollment or turn to tools like ChatGPT. The core issue is not a lack of engagement tools.
2. Culture as the Foundation: Engagement tools will not move the needle unless the employer's culture actively prioritizes worker well-being. Brokers must qualify an employer's culture before recommending a solution.

Broker Opportunities

3. Bridging the Siloed Ecosystem: The current benefits ecosystem is dangerously fragmented across major medical, voluntary benefits, and retirement accounts. Employees and most HR systems cannot connect these dots, creating a massive advisory opportunity for brokers.
4. Managing the Biggest Financial Decision: Annual benefit elections are the most significant financial choices employees make, especially when viewed through a long-term retirement lens. Framing benefits as a critical financial decision sharpens urgency for employer clients.
5. Closing the HDHP and HSA Gap: SAVVI data reveals HDHP enrollments increasing by 138% while HSA enrollments only increase by 100%+. This discrepancy highlights an education gap that brokers can directly address with the right tools.
6. Decision Support is Now a Must-Have: Standalone decision support tools are no longer optional. Brokers who fail to introduce these solutions will find their clients independently seeking them out.

The SAVVI Platform Advantage

7. Zero-Survey Onboarding: SAVVI eliminates the typical 7-10 minute adoption-killing surveys by ingesting demographic and claims data on the front end. Employees drop directly into personalized guidance immediately upon login.
8. Deterministic MIT-Powered Engine: The core guidance engine is driven by deterministic mathematics developed by MIT-trained PhDs. SAVVI does not rely on generative AI guesswork, entirely eliminating the need for output verification disclaimers.
9. Visualizing Voluntary Benefit ROI: SAVVI's side-by-side comparisons clearly demonstrate that a year with severe medical events costs employees less out-of-pocket when they elect voluntary benefits and submit claims.
10. Seamless Market Integration: SAVVI is currently embedded in Voya, Benefitfocus, and PlanSource, with an Alight integration launching this fall. The platform also plugs directly into over 30 other benefits administration and HCM systems.

If you want to review the deterministic models and enrollment strategies we discussed, the on-demand recording is available HERE.

‍

To learn more about SelectSmart 2026 and schedule a demo or explore SelectSmart.