Spine
Runs benefits shopping, compliance filings and onboarding on top of your HRIS, for free.
Spine sits on top of your existing HRIS (Rippling, Deel, Gusto, ADP) and takes over benefits shopping, compliance filings across all 50 states, and people-ops tasks like onboarding and payroll processing, run through Slack. It's free to the employer because Spine is paid through insurance-broker commissions, the same way any benefits broker gets paid. Employees get a 24/7 concierge app for finding in-network providers and disputing medical bills.
What holds up
- +Free to the company — Spine is paid via broker commissions, same as any benefits broker
- +Monitors 10,000+ jurisdictions for filings (ACA, ERISA, COBRA, Form 5500) — 0 missed deadlines this quarter
- +Runs inside Slack — type 'we signed Sarah K.' and it files I-9, state accounts and payroll enrollment
Mind the limits
- −Revenue comes from broker commissions on the plans it recommends — the same conflict a human broker has
- −Requires an existing HRIS (Rippling, Deel, Gusto, ADP...) — it's not a standalone system
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