People. Products. Precision. National TPA for Section 125, COBRA & FSA Compliance.
The boutique TPA that simplifies the complex. We handle compliance-heavy benefits so you can focus on your people.
For Employers
Offload the risk and administrative burden of Section 125 and COBRA. We ensure your benefits are compliant and your employees are supported.
- ✓ Audit-ready compliance
- ✓ Seamless payroll integration
- ✓ Dedicated account manager
For Brokers
You sell the plan; we handle the details. Partner with a TPA that protects your client relationships through accuracy and responsiveness.
- ✓ Client retention tool
- ✓ Competitive fee structure
- ✓ White-glove implementation
Administrative Services
Select a service below to explore plan designs and savings opportunities.
Section 125 & POP
The core mechanism that allows employee premiums to be paid tax-free. We handle the plan documents, discrimination testing, and compliance so you don't have to worry about an audit.
Immediate Tax Savings
Section 125 plans reduce taxable income for both employer and employee.
Technology That Works For You
We leverage the industry-leading WEX Health platform to provide a seamless experience. But technology is only as good as the people behind it.
Mobile-First Experience
Participants can check balances, snap photos of receipts, and submit claims in seconds.
Real-Time Employer Data
Run funding reports, check enrollment status, and manage file feeds from one secure portal.
Secure & Compliant
SOC-certified security ensuring your data and PHI remain protected.
Implementation Roadmap
1. Discovery & Design
Consultation to define plan rules and document needs.
2. Questionnaire & Setup
Gathering payroll, banking, and census details.
3. Data Integration
System configuration, testing, and admin training.
4. Go-Live
Debit cards issued, welcome emails sent, support active.
Trusted by HR Leaders
"PAI handled our transition from a large national carrier flawlessly. The difference in service response time is night and day."
"Finally, a TPA that understands Section 125 compliance. They caught an error our previous admin missed for years."
"The broker partner program is excellent. My clients are happy, and the implementation team makes me look good."