Broker integration: Connect your company’s benefits to Gusto
If you offer health insurance, you can add your broker to Gusto and integrate your existing plans and service with Gusto’s all-in-one payroll and HR platform. Your broker gets special access to your team’s group insurance plans so they can monitor and make changes. Your team can self-enroll, view plan details, and update information right in Gusto, saving you and your broker time.
Here’s what’s included:
- A broker you know and trust. Relationships matter. With Gusto, you can hang on to your current benefits broker and your current rates.
- Uninterrupted coverage. Keep your existing benefits plans and networks, so your employees continue receiving the coverage they know and trust.
- Smart automation. With Gusto, benefits are automatically calculated when you run payroll. Plus, we’ll identify eligible employees and notify them to enroll in benefits.
- Self-service for employees. Your team can access their paystubs, benefits information, W-2s, and more all from Gusto.
The broker integration is available to the Complete, Concierge, and Select plans for $6 per eligible employee per month. This fee applies to businesses who integrate with external brokers only—there’s no additional cost to using Gusto as your broker.
Add-ons
When our team sets up your broker integration, let us know if you’re interested in any of these additional features.
ACA filing
- $1,250 per year.
- Gusto will prepare and file Forms 1094-C and 1095-C in compliance with the Affordable Care Act.
State continuation and COBRA administration
- $30 per company per month.
- Whether your company is subject to federal or state continuation, Gusto will facilitate compliant COBRA administration.
Tax-advantaged accounts
- One $200 annual service charge covers all three account types, plus:
- Health Savings Account (HSA): +$2.50 per participant per month, no minimum.
- Flexible Savings Account (FSA): +$4 per participant per month, $20 per month minimum. You can also offer a Dependent Care FSA (DCFSA) with no additional fee.
- Commuter benefits: +$4 per participant per month, $20 per month minimum.
- Gusto will notify eligible employees to enroll. They’ll receive a debit card to fund with pre-tax dollars to spend on qualified expenses.
Are you interested in setting up the broker integration with Gusto? We’d love to hear from you! Here’s how to get started:
- Sign in to your Gusto admin account.
- Go to the Benefits section.
- In the “Manage benefits on Gusto and keep your broker” banner, click View your options.
- If you don’t see this banner, scroll to the “Health” section and click Medical, Dental & Vision. Then choose Yes, we currently offer this benefit. You can also head to the Help section and contact our team directly.
- Under “Bring your broker to Gusto,” click Get in touch.
We’ll reach out to discuss your current plans and help you decide if the broker integration is a good fit for your team. If you decide to move forward, we’ll work with you and your broker to set up your benefits in Gusto. Once the integration is active, admins and enrolled employees can find plan details in the Benefits section of their account.
Once we start setting up your benefits in Gusto, we’ll let you know when to follow the steps below and grant your broker admin permissions in Gusto.
Add your broker as a new Gusto admin
Follow these steps if your broker does not yet have admin access to Gusto. Admin permissions can only be added or changed by your company’s primary admin.
- Sign in to your Gusto admin account
- Go to Settings.
- Choose the Permissions tab.
- Click Gusto admins.
- Click Add new admin.
- Select Not an employee.
- In the dropdown, choose Broker.
- Enter your broker's name and email.
- The permissions they need as a broker are automatically selected: under “Finance & accounting,” they can View payroll reports and tax filings. For “Benefits,” they can Manage all benefits.
- Scroll down and click Add admin.
- We’ll email your broker and invite them to set up their account.
Once your broker sets up their account, they can manage your company’s benefits, set up employee deductions, and view payroll reports and tax filings.
Add broker permissions to an existing admin
If your broker is already an admin of your company, follow these steps to make sure they have the benefits access they’ll need. Admin permissions can only be added or changed by your company’s primary admin.
- Sign in to your Gusto admin account
- Go to Settings.
- Choose the Permissions tab.
- Click Gusto admins.
- Find your broker’s name in the list of admins, then click the three dots icon under the “Actions” column.
- Click Edit admin roles.
- Select Specific role.
- Under “Finance & accounting,” select View payroll reports and tax filings.
- Under “Benefits,” select Manage all benefits.
- Scroll down and click Save changes.
The next time your broker logs in as an admin, they’ll have access to manage your company’s benefits, set up employee deductions, and view payroll reports and tax filings.
New hires
We automatically notify eligible new hires to view and choose coverage in Gusto. Then we’ll notify your broker to process their enrollment.
Benefit changes
Employees who experience a qualifying life event can request a benefit change in Gusto. Your broker will be notified to process their change with the carriers.
Dismissals
If the employee was enrolled in benefits, your broker will be notified to process their coverage termination. If your integration includes the COBRA add-on, the employee will receive a notice of continuation and an enrollment packet. Learn more about continuation administration here.
Open enrollment
When your plans renew, we’ll work with your broker to update your plans in Gusto. Employees will be notified when it’s time to complete open enrollment in Gusto.
Other plan administration
If you have questions about your benefits, contact your broker directly. They'll answer any questions about coverage, claims, and more. The table below outlines which tasks your broker will complete themselves vs. when they'll partner with Gusto to make updates.
