BenefitsFront was founded in 2022 to close the participation gap across every employer-funded benefit — ESPP, 401(k) match, HSA match, equity, and more. We start with the cash flow problem that keeps most employees from claiming what's already theirs.
Every year, $45 billion in employer-funded benefitsgo unclaimed — not because employees don't want them, but because they can't absorb the payroll deduction needed to capture them.
ESPP participation averages just 30%. 401(k) match capture lags by another 25%. HSA, RSU tax bridges, options exercise, tuition reimbursement — all carry the same cash-flow trap. Knowledge workers leave thousands per year on the table because the timing of contribution versus payoff doesn't match their checking-account reality.
BenefitsFront fronts the cash. We advance the contribution; the benefit pays out; you keep 75% of the upside. One platform, one alignment, every benefit your employer offers.
$45B
Unclaimed employer benefits per year in the US
8
Benefit products live + on the roadmap
$0
Out of pocket for the employee
75%
Of every captured dollar goes to the employee
The principles that guide every decision we make.
We only profit when you profit. Our 25% fee is charged only on gains — never upfront, never on losses.
Plain language contracts, real-time account visibility, and no hidden fees. Every dollar is accounted for.
Financial tools that help everyday employees capture the same wealth-building opportunities as executives.
We build long-term relationships with both employees and employers — your success is our success.
BenefitsFront is founded by entrepreneurs who built and shipped consumer-scale products at some of the most security- and trust-sensitive companies on the internet.
We're running quietly while we onboard our founding employer cohort. Public bios will land alongside our launch announcement.