At PAI, we believe benefits need to be easy to use to be impactful. When ancillary products are well-designed, reasonably priced, and easy to administer, employees use them — and organizations are able to attract and retain quality employees.

Too often, ancillary benefits go underutilized. Not because they lack value, but because they’re overly complex, misunderstood, or difficult to access. At the same time, employees are facing growing cost pressures — 36% report delaying or skipping care due to cost, and 1 in 6 go without needed care each year¹². The solution isn’t more products — it’s better execution and easy administration.

The Power of Simplicity

Our approach focuses on four fundamentals:

1. Good Products

We have ancillary offerings that provide real, everyday value — dental, vision, life, disability, accident, and critical illness coverage that employees can rely on when it matters most — all from one  carrier and one administrator. 

Despite their value, access remains inconsistent across the workforce, with only 43% of private-sector employees having dental coverage and 28% having vision benefits³.

2. Reasonable Pricing

Affordability drives participation. When benefits fit comfortably within employees’ budgets, they are far more likely to enroll and stay engaged.

3. Easy Administration

Streamlined processes make it simple for employers to offer and manage benefits, while ensuring employees can access and use them without confusion or friction.

With one carrier and one administrator, we reduce complexity and create a more cohesive experience.

4. Exceptional Customer Service

Groups that offer our ancillary services receive a dedicated marketing representative who services the group and offers support throughout the year.

Employees have access to our My Benefits Manager app where they can see claims, ID cards, send secure messages to our customer service team, and more. We also have a dedicated customer service team answering phones from 8:30 a.m. -  8 p.m. ET, ensuring they are available when members need them. 

When Benefits Work, Employees Use Them

When these elements come together, utilization increases naturally. Employees don’t need to be convinced of the value—they experience it firsthand. Coverage is used, claims are filed, and benefits become part of everyday financial and health security.

This creates a clear outcome:

• Higher participation rates
• Greater perceived value
• Stronger employee satisfaction

A Competitive Advantage in Hiring and Retention

In today’s market, benefits play a critical role in how employees choose and stay with an employer. Financial stress alone costs U.S. employers more than $1.1 trillion annually in lost productivity⁴, while 75% of voluntary turnover is considered preventable⁵.

Organizations that offer practical, accessible, and meaningful ancillary benefits stand out.

When employees see that benefits are:

• Easy to understand
• Easy to use
• Worth the cost

They view them as a true extension of compensation — not just an add-on.

How We Handle Administration

Our focus is simple: make benefits better for everyone. By combining strong products, fair pricing, and seamless administration, we help employers create programs that employees use.

Because when benefits are done right, they don’t just exist — they deliver value. And that value helps organizations attract talent, retain employees, and build a stronger workforce.

Resources
1.    KFF, Americans’ Challenges with Health Care Costs (2026): https://www.kff.org/health-costs/americans-challenges-with-health-care-costs/
2.    KFF Health System Tracker, Cost and Access to Care (2026): https://www.healthsystemtracker.org/chart-collection/cost-affect-access-care/ 
3.    U.S. Employee Benefits Statistics Report (2026): https://www.taylorbenefitsinsurance.com/u-s-employee-benefits-statistics/ 
4.    American Institute of Stress / Valoir Research (2026): https://www.stress.org/news/the-1-1-trillion-employer-cost-of-financial-stress/
5.    HR Industry Research Summary (2026): https://www.hrstacks.com/employee-benefit-statistics/