Benefits and HR compliance, handled.

Objectiv is your benefits broker and compliance team in one: we shop your renewal, track every obligation that applies to you, prepare the notices, and answer your employees' benefits questions.

See it work on your company. Type your website. No account needed.

For employers with people working in Massachusetts.

Renewal coming up? See what it will likely cost.

Meet Your Team

Four agents. Working your account daily.

Compliance Officer

Monitors PFML, COBRA, Paid Sick Leave, and ACA deadlines daily — flags what changed, when, and what you need to do.

Renewal Analyst

Analyzes carrier quotes and delivers a recommendation with reasoning shown.

Census Analyst

Analyzes your workforce demographics and generates carrier-ready census files for each carrier the moment you upload.

Employee Concierge

Answers employee questions any time, using your actual plan documents. Hospital price transparency included.

How It Works

Set up once. Then your team takes over.

01SETUP

Onboard your company and employees

Company basics, employee roster, and current plan documents. Upload anything you have — we accept any census format.

02DAY ONE, CONTINUOUS

Your team gets to work automatically

Compliance monitoring begins immediately. Renewal prep starts well ahead of your renewal date. Employees get the concierge link the moment you're ready.

03WHEN DECISIONS ARISE

You review and approve. Our team handles the rest.

We surface the recommendation with reasoning shown. You approve. Our team handles the carrier paperwork and employee communications.

Traditional vs. Objectiv

Better service. For companies that deserve it.

CapabilityTraditional BrokerObjectiv
Renewal analysisWeeks of back-and-forthRecommendation with reasoning shown
Compliance monitoringLimited, if provided at allDaily, automatic
COBRA administrationLimited, if provided at allAutomated notices
Leave managementLimited, if provided at allReal-time tracking
Employee Q&ALimited, if provided at allBenefits concierge, any time
Medical bill reviewNot offeredIncluded
Carrier census filesDays of back-and-forthGenerated on upload
Your costCarrier commission (same as ours)$0 with brokerage

Why Objectiv

What a full benefits operation actually looks like.

MONITORED DAILY

Always compliant

PFML, COBRA, ACA, Paid Sick Leave, Section 125, Form 5500 — monitored every day, with deadlines tracked well ahead. You see what changed and when.

FROM UPLOAD TO RECOMMENDATION

Renewals handled

Quote PDFs parsed, coverage normalized across carriers, recommendation delivered with reasoning shown.

ON YOUR ACTUAL PLANS

Employees supported

Your people ask questions anytime — the benefits concierge answers from your real plan documents, not generic advice. Complex questions escalate to our licensed team.

Founders Cohort

Free forever. For the first 20 companies.

Full platform. Both brokerage and platform features. No cost — ever.

Direct access to our team during setup.

A standing seat on the product roadmap.

No spam. One email when we launch.