Small businesses spend hundreds of hours on benefits every year — shopping plans, managing enrollments, chasing compliance deadlines, renegotiating renewals. Most can't afford a dedicated HR person. So it falls on the owner.
Stacked is an autonomous AI agent that handles all of it: monitors your team, shops the right plans, enrolls employees, tracks compliance, and manages renewals — without you lifting a finger.
Tracks headcount changes, role changes, and life events across your HR system. Knows immediately when someone needs coverage.
Pulls real-time rates from major carriers. Compares based on your budget, employee demographics, and usage patterns — not broker commissions.
Sends personalized enrollment packets. Employees pick plans in minutes. Data flows directly to carriers — no manual entry, no paperwork.
Tracks deadlines across all 50 states — ACA reporting, state mandates, ERISA filings. Stacked sends alerts and files on your behalf.
At renewal season, Stacked re-shops your plans against the current market. Switches carriers if better options exist. You just approve the recommendation.
Monthly summary: coverage status, upcoming deadlines, cost trends, employee utilization. No surprises at renewal.
ACA filings. State insurance mandates. ERISA disclosures. COBRA notifications. The average small business needs to track 14+ compliance events per year — and one missed deadline can cost $100 per employee in penalties.
Stacked tracks every deadline, sends proactive alerts, and files on your behalf. You stop being the compliance officer.
No broker fees. No surprise renewals. Just one flat price.
Compare to the average broker fee of $3,200/year for a 10-person team. Stacked costs $1,440/year.
Small businesses deserve the same caliber of benefits administration that Fortune 500 companies get from dedicated HR teams. Stacked gives you that — at a price that makes sense for your size.
Your team grows. Stacked keeps up. No new research, no new broker calls, no new spreadsheets.