Unlocking the Power of ICHRA for Smarter Employee Benefits

Introducing SHAPE

SHAPE, (Solutions for Health, Assets, Protection & Engagement), is our integrated approach to employee financial wellness. It brings together health insurance, retirement, payroll, and engagement into a single, strategic system that lowers costs, empowers employees, and simplifies administration.

One strategy. One system. OneAdvocate.

Smarter Health Benefits

Reshaping Retirement

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SHAPE Your Financial Wellness

We start with the biggest opportunity—health insurance—and use those savings to build a comprehensive financial strategy for your people.

How SHAPE works:
✓ Transition from group health to ICHRA-based individual coverage
✓ Give employees more choice, better access, and localized plans
✓ Save $4,000–$5,000 per employee per year, on average
✓ Reallocate savings into 401(k), HSA, and personal financial planning
✓ Provide each employee with a customized path to financial wellness

We then top it all off with seamless execution through our payroll system.

We don’t just improve your benefits, we reshape them.

Traditional Group Health Insurance is costing you more than just money. It’s costing you control, flexibility and employee satisfaction.
Introducing SHAPE Financial Wellness
Year-round assistance and guidance as we work together to achieve your financial wellness goals!

Health Insurance, 401(k), Payroll, cost cutting, Retirement Planning, Employee Benefits

Health Insurance Destroys your 401(k)

When healthcare eats up your budget, your 401(k) plan takes the hit—and your workforce feels it.

✓ Employer matches are reduced or eliminated
✓ Employees underfund or delay retirement savings
✓ Your benefits package becomes less competitive
✓ Financial stress affects retention and productivity

Short-term cost pressure shouldn’t derail long-term goals.

The Problem? Outdated Solutions

Traditional group health plans are overpriced, outdated, and increasingly unsustainable.

✓ Premiums keep rising unpredictably
✓ Employees are frustrated with limited plan options
✓ Group models concentrate claims risk and inflate costs
✓ Budget constraints force painful trade-offs

You deserve more control—and your employees deserve better options.

ShapeUP Financial Wellness Plans

Personalized Financial Wellness for Every Employee

ShapeUP Plans are at the heart of our SHAPE framework—tailored financial wellness strategies built for each individual employee. These plans are designed to help employees not only understand their benefits, but actively use them to reach meaningful financial milestones.

From retirement and savings to life insurance and legacy planning, each ShapeUP Plan provides:

✓ A customized retirement projection
✓ Annual health insurance savings overview
✓ Personalized financial goal tracking
✓ Guidance on life insurance, wills, and legacy needs
✓ A clear, actionable path toward long-term financial health

With ShapeUP, every employee receives a benefits plan that actually fits their life—not just a one-size-fits-all brochure.

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Our Partners

“ICHRAs are experiencing rapid growth in the U.S., driven by their flexibility, potential cost savings, and ability to expand health coverage options,” said Jim Mrowka, COO of Priority’s Ambient business unit, in a March 2025 press release via Business Wire. “Of particular note, ICHRAs allow many small- and medium-size businesses to offer health benefits to their employees for the first time: 83% of new ICHRA adopters previously offered no health insurance.”

-Business Wire

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It’s Time for You to ReSHAPE Your Benefits

By now, you’ve seen the problem- and the proof. You’re not alone in feeling like your current benefits setup isn’t working. And you’re not wrong to believe there’s a better way.

The question that needs to be answered, then, is:

What is the cost of staying the same?
What happens if I don’t change and evolve?
What if I don’t ask about how OneAdvocate Financial help my business?

To have your fears, frustrations and worries answered, schedule a consultation with us and together we can pivot away from financial ruin to true financial wellness.

Meet the Leadership Team