Year-end separations and renewals drive peak risk for benefits billing inaccuracies

Beneration, a leading provider of benefits reconciliation and compliance solutions, has identified nearly $1 million in billing discrepancies for every 500 employees, according to its latest analysis of employer benefits data.

The fourth quarter consistently marks one of the heaviest periods for employee separations, creating a challenging environment for employers to maintain billing accuracy. In Q4 2024 alone, 15.5 million separations were reported by the U.S. Bureau of Labor Statistics—adding significant churn to an already complex time of year as organizations simultaneously manage annual benefits renewals. These dual pressures heighten the risk of overpayments and compliance gaps.

At the same time, costs continue to climb: employer-sponsored family coverage premiums rose 6% in 2025, while single coverage increased 5%, according to KFF’s 2025 Employer Health Benefits Survey.

“The fourth quarter is a convergence of complexity—employees are transitioning, benefits are renewing, and healthcare costs are accelerating,” said Rick Hirsh, CEO of Beneration. “It’s precisely when precision matters most. Beneration ensures every benefit dollar is accurate and accounted for, helping organizations prevent waste and stay compliant during the most volatile time of the year.”

Beneration’s reconciliation platform provides finance and HR leaders with a centralized solution for monthly billing, helping teams gain control over this cost center by:

• Automating reconciliation across HRIS and carrier data
• Reducing administrative burden and minimizing human error
• Ensuring compliance with carrier requirements and regulatory standards
• Delivering measurable cost savings through accurate billing

Rather than relying on HR teams to manually reconcile invoices across multiple carriers, systems and locations, the platform identifies discrepancies as they happen and delivers a clear, consolidated view of benefits spend. By aligning enrollment records with carrier charges, Beneration helps organizations avoid overpayment, reduce liability and strengthen internal oversight.

“Corporations are risking millions of dollars every Q4, leaving employees vulnerable to coverage lapses and exposing employers to avoidable overspend,” added Hirsh. “Our team is committed to helping finance and HR professionals regain control over their benefits expenses and close that gap before it starts.”

Beneration’s customers include mid-sized and enterprise organizations across industries, all seeking greater financial oversight and improved data integrity in managing their benefits spend.

About Beneration

Beneration is a benefits reconciliation and compliance platform that ensures accuracy across payroll, HRIS, and carrier data. By automating reconciliation, Beneration reduces errors, improves compliance, and delivers significant cost savings for employers. For more information – www.beneration.com

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