Protect Your BOR and Scale with White-Labeled ICHRA

Predictable Benefits gives you a white-labeled ICHRA platform — your brand, your pricing, your BOR. Keep 100% of your commissions and grow into clients you used to decline.

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Grow Your Agent Network

Recruit and retain top-performing brokers

Own the Relationship

Stay at the center of every deal

PROBLEM

The "Trojan Horse" Vendor

A brokerage firm initially looked at "Big Tech" ICHRA platforms. However, they quickly hit three major roadblocks:

Revenue Cannibalization

The leading vendor quoted a fee of $35 PEPM (Per Employee Per Month). For a 120-life group, that’s $50,400 per year just for the software, nearly equal to the broker’s own commission.

BOR Threat

The vendor’s contract required the broker firm to cede BOR status to the platforms in-house agency, turning the broker into a "referral partner" rather than the lead advisor.

Brand Disconnect

The platform was "platform-branded." Employees would log into the vendor’s portal, effectively making the vendor the face of the benefits program.

SOLUTION

Switching to Predictable Benefits (PB)

The brokerage firm bypassed the traditional vendors and implemented the Predictable Benefits White-Labeled SaaS:

80% Cost Reduction

Instead of the industry-average $35 PEPM, PB provided a flat, transparent SaaS fee that averaged $5 PEPM.

Traditional Platform Cost: $50,400/year
Predictable Benefits Cost: $10,080/year
Immediate Savings: $40,320 (Reinvested into the client's plan design).

Total Brand Control

The Broker Firm uploaded their logo, selected their agency colors, and pointed the portal to their own subdomain. When employees enrolled, they saw "Brokerage Firm Portal," not a third-party tech company.

BOR Protection

Unlike other platforms, PB is a pure SaaS tool. The benefits broker remained the exclusive Broker of Record, ensuring they kept 100% of the commissions and maintained a direct, unmediated relationship with the employer.

Explore Other Use Cases

Find how Predictable Benefits supports every role in the distribution ecosystem.

FMOs

Empower your broker network with scalable ICHRA solutions and unlock new revenue streams without added complexity.

General Agents (GAs)

Reclaim your position in the distribution chain and power your broker network with a white-labeled ICHRA platform.

TPAs

Streamline benefits administration and support ICHRA plans across multiple groups with a flexible, compliant infrastructure.

PEOs

Deliver modern, flexible benefits alongside your HR services — without adding operational complexity.

Ready to Build Your ICHRA Business?

Join the platform that puts your success first and your brand at the center of everything we do.