Tabulera catches costly errors in employee benefits invoices by automatically matching them against payroll and enrollment data.
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Benefits reconciliation, also called benefits premium reconciliation - is the monthly process of comparing carrier invoices against payroll and enrollment records.
The goal is simple - make sure every employee is billed correctly.
Terminated employees remain on invoices.
Coverage changes are missed, and active employees may be charged incorrect premiums.
Overcharges go unnoticed
Refunds are missed, and small discrepancies accumulate across carriers and benefit plans.
Manual reconciliation can take up days.
Issue detection is delayed, and carrier follow-ups take longer.
"Tabulera is a benefits reconciliation tool that reduces the time and effort required to reconcile benefit invoices."
Integrations bring in payroll and enrollment data automatically. You only upload carrier invoices, and Tabulera highlights and categorizes discrepancies for review.
Reconciliation no longer drags on for days.
Timing differences and prorations are handled automatically, reducing manual effort.
Teams no longer review every employee line.
Most records clear automatically, leaving only true discrepancies to investigate.
Billing issues are caught early instead of after close.
Discrepancies are resolved before they turn into write-offs or lost credits.
Use the same structured process every month, even as plans and volume change.
Review only employees with discrepancies instead of scanning full invoices.
See invoices, payroll, and enrollment data together and trace issues to the source.
Track discrepancies from identification to closure
Maintain a clear history of changes, notes, and outcomes for audits and reviews.
Generate clear, shareable reconciliation reports for your finance team.
Built to support benefit reconciliation across different operating models. Tabulera has plans for employers, PEO/ASOs, payroll providers, and brokers.
399
/month
319
/month. Billed annually at $3,830
Explore the outcomes employers and outsourcers achieve using Tabulera's Benefits Reconciliation Software.
See how ZampHR (Engage PEO Company) streamlined benefits reconciliation for 13,000 employees, reconciling 130 monthly carrier invoices.
See how an organization with 7,000 employees achieved ROI within Q1 by eliminating benefits reconciliation discrepancies with Tabulera.
Learn how other organizations have replaced manual benefits reconciliation with automated process.
“Since switching to Tabulera, reconciliation that once took multiple hours, sometimes even days, now takes about 30 minutes — it’s saved me hours of rework and eliminated so much busy work.”
Katie Buisman
HR Manager
VTC
Benefits reconciliation doesn’t have to rely on complex spreadsheets, fragile formulas, or manual workarounds. Tabulera is a purpose-built benefits reconciliation solution designed for the complexity of modern benefits billing.
Instead of maintaining evolving templates, teams use a consistent, repeatable workflow built specifically for monthly reconciliation.
Reconciliation files are usually built and maintained by one person. If that knowledge is lost, the process breaks.
Data flows directly from payroll, enrollment, and carrier invoices. Automated matching reduces manual effort and minimizes errors.
Plan balances, adjustments, and prior-period changes are tracked month over month in a structured system.
Every change, note, and resolution is recorded—providing transparency, accountability, and compliance confidence.
Benefit billing is a monthly event—your audits should match that rhythm. Skipping even one cycle can lead to serious financial exposure.
Early detection of errors protects the plan sponsor, avoids claim liabilities, and helps recover overpayments before it’s too late.
If an employee is active in your HRIS but missing from the carrier invoice, the plan sponsor may be responsible for any claims incurred.
Carriers often allow only 30-60 days to recover premiums for terminated employees. Monthly audits help ensure you act within that window.
Uncaught variances don’t go away - they accumulate. The longer issues persist, the harder it becomes to correct them and recover lost premiums.
When reconciliation is irregular, ownership of discrepancies becomes harder to define.
Self-billing helps with enrollment timing but doesn’t prevent configuration or rate errors.
Incorrect rate tables, outdated plan rates, and partial-month setup issues can lead to inaccurate charges. Without reconciliation, these errors often go unnoticed and compound over time.
Self-billed systems depend on accurate payroll, enrollment, and rate setup. Small configuration mistakes can lead to incorrect charges that often go unnoticed without reconciliation.
Complicated spreadsheets rely on complex formulas and manual adjustments. Small calculation errors can easily slip through and remain hidden without reconciliation.
Calculation errors can occur within payroll or self-billing logic even when setups look correct. Reconciliation is often the only way to detect them.
February 4, 2026
This update adds configurable Plan Balance logic, faster notes review, expanded variance codes, improved pre-pay payroll matching, better carrier adjustment tracking, and more flexible source file and invoice management.
May 28, 2025
When working in the Reconciliation Module, you can now regenerate invoices directly from the invoice view—no need to return to the invoice list. This small enhancement removes extra steps and helps you move faster.
February 25, 2025
This update simplifies plan configuration and mapping across invoices, payroll, and enrollment records, reducing manual effort.
February 5, 2025
Editing large volumes of employee records just got easier. With the new Mass Update feature in the Benefits Reconciliation Module, you can now efficiently update multiple records in just a few clicks.
December 20, 2024
New! Carrier Access Manager — Store carrier logins securely and access carrier invoices instantly with auto-fill or copy-paste options.
Yes. If you prefer not to handle reconciliation internally, Tabulera offers Benefits Reconciliation as a service. Our team uses the Tabulera platform to reconcile your carrier invoices against payroll and enrollment data on your behalf. You get the same visibility, reporting, and variance tracking - without dedicating internal time to the process. Schedule a call to discuss your setup and learn more.
For the Starter Plan, setup is 100% self-service. You’ll just need to create reports in your HRIS and payroll systems, and have your Excel-format carrier invoices ready.
For Enterprise and Pro plans, the timeline depends on how complex your systems are and how quickly your team can share the required data. Our team handles the initial data mapping to make onboarding easier.
For Enterprise and Pro plans, we use a Per Employee Per Month (PEPM) pricing model. The more employees you process, the lower the rate per employee.
For smaller companies, we offer the Starter Plan — built for teams with fewer than 500 employees under a single EIN:
Both include a 30-day free trial.
Tabulera gives you access to both invoice-specific and company-wide reports — all exportable to Excel and ready to share in seconds.
You can:
Yes, the implementation and ongoing support are provided by our knowledgeable support teams.
The system maintains a running plan balance ledger at the employee and plan levels. This ledger can be adjusted with the appropriate authorization.
The Tabulera Portal is a role-based platform with various level of access and workflow authorisation. The system maintains a log of user interactions that can be reported.
To the extent COBRA records appear on an invoice, Tabulera can receive the appropriate enrollment or remittance data from your COBRA administrator, this ensures that your invoices can be completely reconciled.
Tabulera integrates with a wide variety of payroll systems through a combination of system reports, flat files or API connections. Tabulera can also accept these files on a scheduled basis through SFTP connections.
Depending upon the enrollment or payroll platform we can take a combination of system reports, flat files or API connections to obtain plan setup information. Customized rules for mapping enrollment and payroll data to carrier invoice information can be implemented with our setup team.
Benefits reconciliation starts by uploading your source data. Tabulera integrates with systems like Workday, PrismHR, isolved, and Employee Navigator - so if you’re connected, all you need to upload each month is your carrier invoice.
Tabulera supports two types of reconciliation:
Unlike other tools, Tabulera doesn't require invoice consolidation. Each invoice is reconciled separately.Once inside the invoice view, Tabulera filters out employees with no discrepancies and auto-resolves simple cases like rounding issues. It supports multiple pay frequencies and auto-categorizes variances to help you prioritize faster.
Clicking on any employee reveals their full plan balance history—every transaction since the start of coverage—so you can track down the cause of an issue without leaving the platform. You can also make manual adjustments if needed based on internal policy.When you're done, Tabulera generates clean reports for your finance team.
Benefits reconciliation is the process of verifying that what you're paying insurance carriers matches what you should be paying based on actual employee enrollments and payroll deductions.
Each month, you need to compare three things:
Employee benefits reconciliation - also known as premium reconciliation or a benefit invoice audit—is the process of matching insurance carrier invoices to enrollment (HRIS), payroll, and COBRA data. It helps identify billing errors like employees still being invoiced after termination, missing coverage for active employees, or incorrect tiers such as employee + child. Reconciling monthly helps avoid write-offs, protects compliance, and ensures every benefit invoice is accurate.
"Tabulera's Reconciliation Platform has significantly reduced our manual errors and streamlined our invoice audits. Our team feels more confident and less overwhelmed with the reconciliation process now."
Director of Benefits at ZampHR
Whats next:
Create account (No Credit Card Required)
Generate and upload data
Upload data from your HRIS, payroll, COBRA systems, and benefit plan invoices .
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Review reconciliation results
The platform instantly matches the data and highlights discrepancies.
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Take action
Resolve mismatches with carriers or source data and generate reconciliation reports.
