Spine

Spine is a benefits, compliance, and people operations platform that sits on top of an employer's existing HRIS and payroll systems, including Rippling, Deel, Gusto, and ADP. It is positioned as an alternative to benefits brokers and PEOs, handling the work those providers typically cover while the employer keeps its own entity and systems.

The platform includes plan optimization, which models plan configurations across major carriers each renewal cycle using workforce demographics and claims data, alongside a dedicated benefits consultant. Compliance covers ACA reporting, ERISA plan documents and SPDs, COBRA administration, Form 5500 filings, state mandates, and agency notice resolution, with AI monitoring requirements and in-house experts executing filings. People operations include payroll processing, onboarding with I-9 and E-Verify, tax filings, and offboarding, delivered through Slack. Employees get a 24/7 benefits concierge and an app for claims, ID cards, coverage, and provider search.

Spine is free to employers, with revenue coming from carriers rather than per-employee or admin fees. Employers can run a free cost audit or compliance audit before committing. For additional HR support beyond benefits, payroll, and compliance, Spine connects companies with fractional HR leaders on hourly or ongoing engagements.