About Nava Benefits and Differentiation What is Nava Benefits and what services does it offer? Nava Benefits is the first modern, full-service benefits brokerage built for HR professionals and business leaders. We combine expert consulting with AI-powered tools to help HR teams control healthcare costs, cut complexity, and deliver a clear, affordable, and navigable benefits experience for employees. We provide end-to-end brokerage services — benefits strategy, carrier negotiations, renewals, employee benefits support, compliance, automatic audits of carrier bills, benchmarking and technology integration — delivered through Nava HQ for HR teams and their employees. Nava HQ is an AI-powered platform built for HR leaders. It brings renewals, modeling, compliance, and expert support into one system—eliminating spreadsheet chaos and inbox overload. With real-time visibility, you can make faster, smarter decisions. Employees get their own HQ benefits experience too—a mobile app that makes benefits simple to understand, choose, and use all on the go anytime, anywhere reducing contacts to HR and saving them hours every week. How is Nava different from a legacy broker? Legacy brokers are stuck in a 1990s playbook of spreadsheets, PDFs, and reactive service. Nava takes a different approach — blending human expertise with technology to deliver smarter decisions, faster. We provide a unified benefits platform with AI-powered tools, real-time renewal modeling, built-in audits, compliance tracking, high-touch support, and embedded employee advocacy. The result: HR gains a true co-pilot—proactive, strategic, and by your side all year, not just during open enrollment. Traditional brokers like to do the same thing every year and often times it’s a rinse and repeat on benefit renewals instead of taking a multi-year strategy to do the best for their client. What technology does Nava use to improve employee benefits management? Our two core platforms work together to simplify benefits for everyone: • Nava HQ for HR teams: renewal modeling, real-time audits, compliance tracking, and centralized document storage. • Nava Benefits App for employees: plan decision support, real-time deductible tracking, digital ID cards, AI + human chat concierge, and bill review. Both are fully integrated and built to replace manual work with automation. Is Nava a licensed brokerage firm? Yes — Nava is a fully licensed employee benefits brokerage operating nationwide. Cost and Value Does Nava cost more than a legacy broker? No. Clients often pay the same or less than they would with a legacy broker — but get significantly more value through Nava’s AI-powered tools, year-round strategy, and hands-on service. Nava has prioritized making the employee benefits experience more efficient. What’s included in Nava’s pricing? Our pricing includes all brokerage services — renewals, strategy, compliance, carrier negotiations — plus full access to Nava HQ, the Nava Benefits app for employees and their families, employee support, and proactive audits. There are no hidden tech fees or upcharges. Are there hidden fees or incentives that could create conflicts of interest? No. Nava is transparent about compensation and never accepts carrier incentive overrides that could compromise your plan. Can Nava help control my company’s overall benefits spend? Yes. We’ve helped companies save hundreds of thousands annually through smarter plan design, proactive audits, carrier negotiations, and eliminating overpayments. Target Customers What types of companies does Nava serve? We serve employers with 50–2,000 employees (sweet spot: 51–500), especially those who have outgrown their PEO or are underserved by a legacy broker. Is Nava a fit for startups, mid-sized companies, or enterprises? We’re best suited for mid-sized companies — but we also help high-growth startups leaving a PEO, growing small businesses, and larger organizations that want a tech-enabled strategic partner. How does Nava support companies leaving a PEO? We’re specialists in PEO exits — guiding you through cost analysis, plan migration, HRIS and payroll integration, and compliance. Our process ensures zero disruption to employees while unlocking cost savings and customization. Service and Solutions Coverage • Core benefits: medical, dental, vision, pharmacy • Custom strategies based on workforce data and business goals • Alternative funding: level-funded, self-funded, ICHRA • Ancillary benefits: life, disability, EAP, fertility, wellness, perks • Digital health integrations: mental health, telemedicine, wellness tools • HR tech support: HRIS and benefits admin selection, integration, and ongoing data accuracy with built-in audits Implementation and Support • Onboarding: sign Broker of Record (BOR), align strategy, migrate data, set up tech, plan employee communications — typically in 2–4 weeks. • HR support: a dedicated account team, strategic advisors, and Nava HQ to model renewals, manage compliance, and track plan performance — all year long. • Employee support: 24/7 AI + human chat concierge, digital ID cards, provider search, bill reviews, and escalation to human advocates for complex issues. • Built-in compliance & audit tools: detect and fix errors, protect coverage, and prevent overpayments before they happen. Technology and Security • Nava HQ (HR): central hub for benefits strategy, compliance, and modeling • Nava Benefits App (employees): always-on benefits access and support • HIPAA and SOC 2 compliant • Integrates with your existing HRIS and benefits admin systems Results and Outcomes Nava clients typically see: • 5–8 hours/week saved in HR admin time • Up to $200K annual savings via plan optimization and error resolution • Higher employee engagement with benefits Real results: • Karbon: 9% cost savings + expanded benefits • Magic Labs: $100K+ annual savings + 5 hours/month admin time saved • The Paskin Group: multi-year strategy delivering richer coverage at lower cost This rewrite keeps the structure of your original but strengthens: • Vocabulary (full-service brokerage, legacy broker, control costs, co-pilot) • Mission-forward framing (tying to fixing healthcare and empowering HR) • Differentiators (year-round support, built-in audits, AI + human blend) • Tone (confident, provocative, supportive)