Employee Benefits Overpayment Audit

Your benefits platform isn't finding this.

The average 300-person company leaks $140,000 in benefits overpayments every year. Six categories. One audit. 5–7 days.

What We Find

Six categories of benefits leaks

Every audit examines these six areas where HRIS platforms routinely allow overpayments to persist undetected.

Ghost Enrollees

Critical

Benefits still active for departed employees

Ineligible Dependents

Critical

Ex-spouses, over-age children on plans

Deduction / Payroll Sync Errors

High

Mismatches between elections and deductions

FSA / HSA Contribution Mismatches

High

Incorrect employer seed/match amounts

401(k) Over-Match Errors

Medium

Match calculated against wrong data

ACA Threshold Miscalculation

Medium

Incorrect FTE headcount calculations

Process

How it works

Two files in. One report out. No system access, no credentials, no IT involvement.

01

Send two files

Export your benefits enrollment and payroll register from your HRIS. CSV or Excel. That's it.

02

We run the audit

Our engine cross-references enrollment against payroll across all six leak categories. No system access required.

03

Receive your report

A detailed findings report with dollar amounts, affected employees, and recommended remediation steps. Delivered in 5-7 business days.

Compatibility

Works with your existing platform

RipplingGustoADPPaychexPaycomPaylocity

$90K–$250K

Typical first-year savings found

Growth tier (151–400 employees)

4–8%

Enrolled dependents ineligible

BMI Audit Services benchmark

$980M+

DOL EBSA recovered in FY2025

Benefit plan violations

2,573%

Average ROI on dependent audits

BMI Audit Services benchmark

Stop losing money to benefits leaks

Most companies don't know they're overpaying until someone checks. We check.