Group benefits

One of four Sonora Logic services.
Montréal, Québec · EN / FR
Alongside your broker, never instead of them.

Nobody is watching the enrolment window.

Past roughly 25 employees, someone becomes your group benefits plan administrator by accident. No licence, no exam, no training — a portal login and a stack of PDFs. We build the system that catches what falls through.

lapsed

Day 18

OpensDate of hire

ClosesDay 30, 31 or 60 — depending on the policy

AfterEmployer liability

Most administrators don't know which window they have. Miss it and the employee waits for the next re-enrolment — which, on a traditional plan, never comes. Nothing alerts you. The window simply closes.

Run the free Health Check See the plans

Policy-specificEnrolment windows run 30, 31 or 60 days. Every date in your system is set from your actual contract at go-live.

Three parties. Two of them have a defined job.

The insurerGives you a portal

And a policy document. Their obligation ends at the platform — they process what you submit, correctly or not.

The brokerHandles the plan

Design, rates, carrier, renewal. Licensed for exactly that work. Checks in when the contract does.

In betweenHas no owner

Enrolments inside the window. Terminations on the correct effective date. Dependent and beneficiary updates. Conversion rights communicated in time. A paper trail that survives an audit.

That gap is an employer liability, not an inconvenience.

Execution and documentation hygiene. Nothing else.

1Plan Admin Audit

We map what your company actually does against the full administrative cycle — onboarding, mid-year changes, offboarding, renewal — and flag the liability hotspots. Findings, not opinions.

2SOP system

Written procedures your admin can follow on a busy Tuesday. Every deadline is a blank filled from your actual policy — never a number we assumed. Every procedure ends with when to escalate to your broker.

3Tracking system

A Notion system of record with n8n automation that flags every deadline before it lapses. Built as part of delivery, not sold to you later as an add-on.

4Ongoing execution

Co-managed or fully managed. Monthly audit of the enrolment and termination record, renewal coordination, and an outside set of eyes on the file.

What we never do.

This boundary is deliberate. It is what makes us safe to bring into a room that already has a broker in it.

1No licence, no advice.

We are not an insurance broker and hold no AMF licence. No advice on plan design, coverage selection, rates, carrier choice, or claims adjudication. That work stays with your broker, where it belongs.

2No revenue from your plan.

We earn nothing from your plan and cannot place business. Our only revenue is the fee you pay us directly.

3Minimal data, by design.

We hold operational metadata — names, dates, status, task flags. Never SIN, health information, claims, dependent details, or beneficiary designations. Those stay in the insurer's own compliant system. If your legal team requires Canadian residency for the automation layer, we self-host it in ca-central-1.

Three steps, in this order.

01Health Check

25 questions across six sections, filled in before we speak. You score it yourself. The first section asks for plan facts you should be able to answer without looking anything up — a blank there is itself a finding.

02Audit and build

We map your real practice, flag the hotspots, write your SOPs, and stand up the tracker configured to your policy's actual windows and effective-date rules. Then we train your admin on it.

03Run it

You execute and we catch the misses, or we execute end to end. Either way there's a monthly audit and a record that survives someone asking hard questions two years from now.

See limit 2Nothing here is contingent on your plan, your carrier, or your renewal. Canadian dollars, no per-employee fee.

Plans.

01Plan Admin Toolkit

You want the system and you'll install it yourself. Four SOPs — onboarding, mid-year changes, offboarding, renewal. Notion tracker template and setup guide. Plan profile worksheet and renewal timeline. Documentation standard, including what never to record.

$497one-time

02Co-Managed

Your admin keeps the work. We make sure nothing lapses. Full audit, SOPs written to your plan, tracker built and configured. Automated deadline alerts on every enrolment, termination and renewal. Monthly enrolment and termination audit. Direct line for your administrator.

$1,750setup, then $1,000/month · 3-month minimum

03Fully Managed

You want it off your desk entirely. Everything in Co-Managed, plus we execute enrolments, terminations and changes end to end. First point of contact for employee questions — intake form, two-business-day response, 10 inquiries a month included. Renewal coordinated directly with your broker. Limited slots.

$1,750setup, then $2,800/month · 3-month minimum

The guarantee. Co-Managed — every deadline in your system gets flagged before it lapses; miss an alert we owed you and your next month is free. Fully Managed — flagged and executed on time; if we miss one, your next month is free.

Who this is built for.

A fit

30–75 employees, with a group plan already in place
$150K–$500K in monthly revenue
Plan administration sits with an HR generalist, an office manager, or you
You have a broker and intend to keep them
Québec or elsewhere in Canada — English and French

Not a fit

You want advice on coverage, rates, or which carrier to choose
You're looking to replace your broker
You don't have a group plan yet
You want someone to argue a denied claim on your behalf

The four questions everyone opens with.

We already have a broker.

Good — keep them. Your broker owns the plan; we own the paperwork that runs it. We don't quote, place, or advise, and we're paid only by you — see limits 1 and 2. Most brokers read this as relief: the administrative questions they field for free stop landing on their desk.

Why not just have our HR person handle it?

They already are. The question isn't whether someone is doing it — it's whether they have a written procedure, a deadline that alerts on its own, and a record that holds up when someone asks two years later. Most failures here aren't knowledge failures. They're attention failures on a busy week.

Does this work with our specific plan?

Yes, because nothing is hard-coded. Enrolment windows run 30, 31 or 60 days depending on the policy. Traditional plans have no annual re-enrolment; flex plans do. Staircase and lock-in rules restrict what can change and when. Every one of those is set from your actual policy at go-live, not assumed.

Where does our data live?

Operational metadata only — names, hire dates, status, task flags. Never SIN, health or claims information, dependent details, or beneficiary designations; those stay in the insurer's own compliant system. That's still personal information under Law 25, so a transfer impact assessment and DPA are part of onboarding. If your legal team requires Canadian residency for the automation layer, we self-host it in ca-central-1.

Start with the Health Check.

Twenty-five questions about how your plan administration actually runs. You'll score it yourself and know where you stand before we ever speak.

Start the Health Check Book a 20-minute call

Or write directly — contact@sonoralogic.com

Colophon

Sonora Logic is not an insurance broker and holds no licence from the Autorité des marchés financiers. Nothing on this page is advice on plan design, coverage selection, rates, carrier choice, or claims adjudication. Services are limited to administrative execution, systemization, and documentation. Engagements do not replace your broker or your insurer.