PHILADELPHIA, PA — A new analysis from Beneration finds that employers are risking major financial losses during year-end transitions, identifying nearly $1 million in billing discrepancies for every 500 employees. The findings highlight how the fourth quarter—already the busiest period for employee separations and benefits renewals—creates peak exposure to billing errors and compliance issues.
According to the U.S. Bureau of Labor Statistics, 15.5 million separations occurred in Q4 2024, a level of churn that complicates enrollment updates and amplifies the chance for inaccurate carrier billing. At the same time, health insurance costs continue to climb: family coverage premiums rose 6% in 2025, while single-coverage premiums increased 5%, based on data from KFF’s latest Employer Health Benefits Survey.
“The fourth quarter is a convergence of complexity—employees are transitioning, benefits are renewing, and healthcare costs are accelerating,” said Beneration CEO Rick Hirsh. “It’s precisely when precision matters most.”
Beneration said its billing-reconciliation platform gives HR and finance teams centralized tools to manage monthly benefits invoices, reducing reliance on manual processes that often fail to keep pace with turnover. The platform automates reconciliation between HRIS systems and carrier data, flags discrepancies in real time, and creates a consolidated view of benefits spending.
The company said the system helps employers curb overpayments, strengthen compliance, and lower administrative strain—particularly during Q4, when billing errors go unnoticed and can accumulate into significant liabilities.
Hirsh warned that organizations relying on manual processes are exposed to both financial waste and coverage lapses for employees. He said Beneration’s goal is to help employers “regain control over their benefits expenses and close that gap before it starts.”
With premiums rising and labor turnover remaining high, the company expects demand for automated reconciliation tools to grow as employers seek greater accuracy and stronger internal oversight during the most volatile financial period of the benefits calendar.
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