Benefits that work the way your team does.
Run open enrollment, qualifying life events, and carrier sync from one system — built to work hand-in-hand with your broker. Deductions flow straight to payroll.
The problem
Open enrollment shouldn't take six weeks.
Most teams run benefits across PDFs, portals, and shared inboxes. Mistakes only surface on the first payroll of the new plan year — and they're painful to fix.
Enrollment data scattered across spreadsheets and email
Qualifying life events handled manually, days late
Carrier files built by hand and sent each pay period
Employees can't easily see what they're enrolled in
Open enrollment
Guided enrollment flows with cost preview, dependents, and beneficiary capture. Run a full OE without leaving Tallo.
Qualifying life events
Employees submit QLEs with documentation. Routed to HR for review and automatically applied at the right effective date.
Carrier sync
EDI feeds to the major medical, dental, vision, and 401(k) carriers. No more hand-built monthly files.
Payroll-ready deductions
Per-pay-period deductions calculated and pushed to your payroll provider automatically.
How it works
Three steps to a single source of truth.
Load plans and rates
Import medical, dental, vision, life, and 401(k) plans with employer contribution rules, age-banded rates, and tier structures.
Run a guided enrollment
Employees see cost previews in real time, add dependents and beneficiaries, and complete enrollment from any device.
Sync to carriers and payroll
Tallo builds the EDI files for your carriers and pushes per-pay-period deductions to payroll automatically.
Carrier coverage
EDI to the carriers your team already uses.
We maintain certified EDI feeds to the major US medical, dental, vision, life, and 401(k) carriers — and add new ones quarterly based on customer demand.
Medical
Aetna, Anthem, BCBS, Cigna, Humana, Kaiser, UHC
Dental & vision
Delta Dental, Guardian, MetLife, VSP, EyeMed
Life & disability
Lincoln, MetLife, Mutual of Omaha, Unum
401(k) & retirement
Fidelity, Empower, Guideline, Human Interest, Vanguard
HSA / FSA
HealthEquity, Lively, WEX, Optum Bank
Brokers
Native broker portal for shared visibility
Common questions
What teams ask before they switch.
- Do we have to switch brokers to use Tallo?
- No. Tallo is broker-agnostic and includes a shared broker portal so your existing partner has full visibility into enrollment and renewal data.
- How are qualifying life events handled?
- Employees self-submit QLEs with supporting documentation. Tallo routes for HR review, applies the right effective date, and updates carriers and payroll automatically.
- What about ACA reporting?
- Tallo generates 1094-C and 1095-C forms and supports e-filing with the IRS at year end.
- Can we model open enrollment before launching?
- Yes. Run a parallel OE simulation against last year's enrollment to validate plan setup, contributions, and total employer cost before opening to employees.
Cleaner enrollments. Stronger broker partnerships.
Tallo customers cut open enrollment cycle time roughly in half while giving HR, brokers, and payroll teams a single shared source of truth.
Open enrollment without the fire drill.
Carrier, payroll, and people — finally in sync.