Traditional group benefits are typically under-utilized by employees and over-paid by employers. BeniPlus is a digital wallet that puts an end to that by enabling employers to cost-control their spend, but at the same time provide the flexibility for employees to decide on what to spend their health and wellness dollars on. This creates a win-win approach as the business knows exactly how much they are spending on benefits every year without surprises at renewal, and the employee can allocate their dollars to things that matter to them, as opposed to limited categories of services they don't need.