Business Issue

A new client transitioned to OVD already utilizing Employee Navigator for their benefits administration.

While the software was familiar, setup errors often go unnoticed when administrative processes are treated as "set it and forget it." Prior to onboarding with OVD, two major configuration and rate discrepancies had gone completely undetected for an entire 12-month plan year, quietly bleeding employer dollars through uncollected payroll deductions.

Action Plan

Employee classification, contribution model, and carrier billing schedule within the system:

• Audited health plan classification mapping, identifying six employees who were incorrectly assigned to a $0 employee-cost health plan rather than their correct contributory tier.
• Reconciled carrier billing invoices against payroll deduction tables, discovering an ongoing rate discrepancy in voluntary life coverage where carrier billing outpaced employee deductions.
• Eliminated administrative leakage by immediately correcting enrollment tiers and updating rate tables in Employee Navigator to match real carrier billing schedules.
• Institutionalized post-enrollment reconciliation, establishing an ongoing audit cycle following every open enrollment.

Result

• Stopped $43,577.60 in Ongoing Annual Losses: Immediate remediation stopped costly monthly shortfalls that had been absorbed out-of-pocket by the employer over the previous year.
• Recovered Proper Health Contributions: Corrected the $0-cost tier misclassification, plugging a $40,601.60 annual leak in uncollected employee health contributions.
• Aligned Voluntary Life Deductions: Fixed a $248 monthly billing shortfall ($1,088 charged by carrier vs. $840 collected), eliminating an annual $2,976 out-of-pocket subsidy by the employer.
• Protected Future Plan Years: Implemented standard post-enrollment verification, giving the client total visibility and control over exact payroll withholdings moving forward.