Your AI Layer on Top ofAny HR Platform
AI Benefits Agent doesn't replace Justworks, Gusto, ADP, or Rippling — it makes them more powerful. Connect your existing HR platform and get an AI that helps you actually understand and maximize every benefit you have.
Works with your existing HR platform
Your AI Benefits Dashboard
A personalized home screen that shows your benefits at a glance and surfaces the opportunities you're missing.
Alex J.
Justworks
Good afternoon, Alex.
What would you like to understand about your benefits?
Health Insurance
HDHP — Justworks
$340 / $1,500 deductible
HSA Account
HSA via Justworks
$1,200 / $4,150 contributed
Retirement (401k)
Fidelity via Justworks
3% contribution · 4% match
Paid Time Off
Justworks PTO Policy
14.5 days · 4.5 expiring
Opportunities for You
Capture Your Full 401(k) Match
You're leaving $1,440/year on the table
Max Your HSA Contribution
Save ~$1,180 more in taxes this year
Personalized AI Answers for Every Benefit
The AI reads your actual benefits data from your HR platform and gives you specific, personalized answers — not generic advice. HSA optimization, 401(k) match gaps, PTO expiration alerts, open enrollment guidance, and more.
"How much should I contribute to my HSA this year?"
"Am I getting the full 401(k) match from my employer?"
"How many PTO days do I have left and when do they expire?"
"Should I choose the PPO or HDHP during open enrollment?"
2026 Limit
$4,150
Contributed
$1,200
Remaining
$2,950
Tax Savings
~$1,180
💡 Maxing your HSA saves $0.40 in taxes for every $1 contributed. Your balance also grows tax-free.
HSA & FSA Optimization
Most employees contribute too little to their HSA, don't invest it, and don't know what's eligible. Our AI reads your actual plan data and gives you personalized guidance to maximize every dollar.
YOUR HSA SUMMARY (via Justworks)
💡 AI Recommendation
Maxing your HSA would save you ~$1,180 in federal taxes this year. Your HSA funds also grow tax-free — consider investing the balance above your 3-month emergency fund.
YOUR 401(k) SUMMARY (via Gusto)
⚠️ You're Leaving Free Money Behind
Increasing your contribution from 3% to 4% costs you ~$55/paycheck but earns you $120 in employer match — a 118% instant return.
401(k) & Retirement Guidance
Most employees don't capture their full employer match — that's free money left on the table. Our AI reads your actual 401(k) data and tells you exactly what to do to maximize it.
Time Off Navigation
PTO policies are confusing — accrual rates, carryover limits, expiration dates, blackout periods. Our AI reads your company's actual policy and gives you a plain-English breakdown of exactly where you stand.
YOUR PTO SUMMARY (via BambooHR)
⏰ Action Required Before Dec 31
You'll lose 4.5 PTO days at year end due to your company's 10-day carryover limit. That's ~$1,100 in lost compensation. You have 9 weeks left.
PPO vs HDHP — Which is right for you?
PPO Plan
Premium: $280/mo
Deductible: $500
OOP Max: $3,000
HSA eligible: ❌
HDHP + HSA ✓
Premium: $140/mo
Deductible: $1,500
OOP Max: $5,000
HSA eligible: ✅
🤖 AI Recommendation for You
Based on your low medical usage last year (2 visits), the HDHP saves you $1,680/year in premiums. Max your HSA and save an additional $1,180 in taxes. Net advantage: $2,860/year vs the PPO.
Health Insurance Guidance
Open enrollment is one of the most important financial decisions you make each year — and most people just pick what they had before. Our AI analyzes your actual usage and helps you choose the right plan.
Proactive Benefits Alerts
Don't wait until it's too late. Our AI monitors your benefits and alerts you before deadlines, expirations, and missed opportunities.
PTO Expiration Alert
You have 4.5 PTO days expiring Dec 31. That's ~$1,100 in lost compensation. Here's how to use them.
401(k) Match Gap
You're contributing 3% but your employer matches up to 4%. You're leaving $1,440/year on the table.
Open Enrollment Opens
Your open enrollment window opens in 14 days. Based on your usage, I recommend switching to the HDHP.
FSA Deadline Approaching
Your FSA has $340 remaining with a use-it-or-lose-it deadline of Dec 31. Here are eligible expenses.
HSA Investment Opportunity
Your HSA balance ($3,200) exceeds your 3-month medical fund. Consider investing the excess for tax-free growth.
Vesting Milestone
You'll reach 75% vesting in your 401(k) employer match in 47 days. Consider your options before then.
Connect Your HR Platform Today
Works with Justworks, Gusto, ADP, Rippling, BambooHR, Workday, Paychex, TriNet, and more. Set up in 3 minutes.