Give Your Employees the Power to Choose
Cafeteria-style benefits administered through Baicorp's TPA platform — compatible with Sun Life, Manulife, Canada Life, Equitable, RBC, GreenShield, and every major Canadian carrier. Same budget, dramatically higher employee satisfaction.
Employee Satisfaction
+40%
Platform
Administered Flex
40%
Higher Satisfaction Scores
37
Years of Independence
All Carriers
Sun Life, Manulife, Equitable & 20+ More
What Is a Flexible Benefit Plan?
Instead of one-size-fits-all coverage, a flex plan gives each employee a benefits budget and lets them allocate it across the options that matter most to them. Your 25-year-old developer and your 55-year-old VP get completely different packages — from the same employer budget.
Traditional Plan
- Same coverage for everyone
- Wasted dollars on unused benefits
- No employee voice in plan design
- One-size-fits-all approach
Flex Plan
- Employees choose their coverage level
- Unused credits go to HSA, WSA, or RRSP
- Vacation buy/sell options
- Higher satisfaction, same employer budget
Everything Your Employees Can Choose
Each employee gets a credit budget and allocates it across a wide range of options — from coverage tiers and spending accounts to vacation days and retirement savings.
Cafeteria-Style Benefits
Employees choose their dental, health, drug, and vision coverage levels through Canada's top carriers. Everyone gets what they actually need.
Employees rate cafeteria-style benefits 40% higher in satisfaction surveys.
Tiered Plan Options
Basic, Standard, and Premium tiers with upgrade-at-cost. Employees pick the level that fits their life stage and family situation.
From new graduates to executives — every life stage covered.
HSA & WSA Accounts
Tax-advantaged Health Spending and Wellness Spending Accounts for remaining benefit dollars. Maximum flexibility, minimum waste.
Every dollar works harder with tax-advantaged spending.
RRSP Credit Allocation
Employees can redirect unused benefit credits to their Group RRSP. Benefits dollars that would otherwise go unspent now build retirement savings.
Unused credits build retirement savings instead of disappearing.
Vacation Buy/Sell
Purchase additional vacation days or sell unused ones back. Employees with young families buy extra time off; others take the cash.
Flexibility that extends beyond health coverage.
Hour Banking & Hourly Eligibility
Benefits eligibility based on hours worked, with hour banking for seasonal and variable workforces. Built for construction, trades, and shift-based industries.
Purpose-built for variable and seasonal workforces.
Cafeteria-Style Benefits
Employees choose their dental, health, drug, and vision coverage levels through Canada's top carriers. Everyone gets what they actually need.
Employees rate cafeteria-style benefits 40% higher in satisfaction surveys.
Tiered Plan Options
Basic, Standard, and Premium tiers with upgrade-at-cost. Employees pick the level that fits their life stage and family situation.
From new graduates to executives — every life stage covered.
HSA & WSA Accounts
Tax-advantaged Health Spending and Wellness Spending Accounts for remaining benefit dollars. Maximum flexibility, minimum waste.
Every dollar works harder with tax-advantaged spending.
RRSP Credit Allocation
Employees can redirect unused benefit credits to their Group RRSP. Benefits dollars that would otherwise go unspent now build retirement savings.
Unused credits build retirement savings instead of disappearing.
Vacation Buy/Sell
Purchase additional vacation days or sell unused ones back. Employees with young families buy extra time off; others take the cash.
Flexibility that extends beyond health coverage.
Hour Banking & Hourly Eligibility
Benefits eligibility based on hours worked, with hour banking for seasonal and variable workforces. Built for construction, trades, and shift-based industries.
Purpose-built for variable and seasonal workforces.
See It in Action
Same employer budget. Completely different allocations. Both employees are happier.
Jordan, 27 — Software Developer
Single, healthy, no dependents
Priya, 52 — VP Operations
Married, two teenagers, aging parents
Powered by Baicorp's Administration Platform
Your flex plan runs on the same infrastructure behind our full TPA services — not manual spreadsheets. One platform, every carrier, your dedicated team.
- Platform-administered flex with Sun Life, Manulife, Canada Life, Equitable, RBC, GreenShield, and more
- Integrates with your HRIS, payroll, and accounting systems
- Your dedicated team handles enrolment, carrier coordination, and year-round support
Dedicated
Named Team
Not a rotating call centre
20+
Carrier Panel
Every major insurer
HRIS
Integrated
Payroll, accounting & more
100%
Canadian
Your data stays in Canada
How It Works
From discovery to go-live, we handle the heavy lifting so your HR team can focus on people, not paperwork.
Employer Sets the Budget
You define the total benefit budget per employee class. Flex credits are allocated based on your compensation strategy.
Employee Customises Coverage
Each employee selects their coverage levels, allocates credits to HSA/WSA or RRSP, and chooses vacation buy/sell options through the platform.
Baicorp Administers Everything
We handle enrolment, carrier coordination, claims administration, and year-round support. One team, one bill, total visibility.
Who Flex Plans Are For
Mid-Market Employers
50 to 500 employees. Big enough to offer choice, but need a partner to administer it properly.
Construction & Seasonal Workforces
Hour banking and hourly-based eligibility designed for variable workforces — trades, seasonal, shift-based industries.
Multi-Generational Teams
A 25-year-old single developer and a 55-year-old VP with a family need completely different benefits. Flex makes both happy.
Ready to Give Employees a Voice?
Same budget. Higher satisfaction. Lower turnover. Let's design a flex plan that works for your team and your bottom line.
Independent Underwriting
We do the math before the carrier does. Using proprietary benchmarking and claims projection models, we challenge renewal quotes and negotiate on your behalf.
Employee Utilization Analysis
We map exactly which benefits are driving retention and where adjustments can maximise value for your team.
Mental Health & Engagement Strategy
From virtual healthcare adoption to EAP utilisation and mental health initiatives, we help your team actually use the benefits you provide — driving engagement and retention.
Design a Flex Plan for Your Team
We'll assess your current benefits structure and show you how a cafeteria-style plan can increase employee satisfaction without increasing your budget.
- Custom flex plan design based on your workforce demographics
- Cost-neutral implementation strategy with carrier comparison
- Platform demo with HSA/WSA, RRSP allocation, and specialty products
Get Your Free Benefits Audit
Fill out the form and one of our advisors will be in touch within one business day.