Why now is the perfect time for AI to transform employee benefits

Rohan D'Souza

Rohan D'Souza

CEO

Let AI summarize this content:

Summary

April 2, 2025

Today marks a significant milestone as we officially announce Avante's emergence from stealth mode. After months of intense development and working closely with forward-thinking companies like Datavant, OneDigital, Real Chemistry, and Zscaler, we're ready to introduce the world to the first AI-native benefits intelligence platform.

The Breaking Point

The benefits landscape has reached a breaking point.

This isn't hyperbole. It’s the reality facing organizations across America. For the typical employer, benefits represent the second-largest expense after payroll. Healthcare costs alone are projected to surge 9% in 2025, with employer-sponsored health insurance spending expected to exceed $1.7 trillion.

Employers play an incredibly important role as one of the largest purchasers of healthcare in America. They have the direct ability to impact the health of communities, especially since the majority of employers opt to self-fund their benefits programs. Yet, despite these massive investments and potential for positive impact, the current system fails both employers and employees:

  • Employers struggle with fragmented data across disconnected systems, making it impossible to track outcomes and understand actual cost drivers
  • Benefits teams are drowning in administrative work rather than focusing on strategic decisions
  • Employees find the benefits ecosystem so confusing and frustrating that they often give up trying to access the very resources designed to support them

I've spent my career in healthcare and technology, and I've never seen a situation where so much money is being wasted with so little visibility into outcomes or ROI. The status quo is simply unsustainable.

The Convergence of Three Forces

What makes this moment so unique - and so ripe for transformation - is the unprecedented convergence of three powerful forces:

1. The AI Inflection Point

We're witnessing a generational shift in technology capabilities. Just as the internet fundamentally rewired business models and consumer experiences, AI represents a similar step-change innovation. But unlike previous tech waves that merely digitized existing processes, AI's ability to understand context, learn from data, and make intelligent recommendations creates possibilities that simply didn't exist before.

2. Unsustainable Cost Pressures

With healthcare costs consistently outpacing inflation and wages, employers can no longer absorb annual increases of 8-10% as the "new normal." The proliferation of point solutions meant to address specific needs like mental health and financial wellness has created its own cost burden without the data infrastructure to justify the investments.

3. Employee Experience Expectations

Today's workforce expects the same seamless, personalized experience from their benefits that they get from consumer technology. When they instead encounter complexity and friction, they disengage – leading to wasted investments and missed opportunities for preventative care and early interventions.

A Fundamentally Different Approach

What makes Avante different isn't just our technology. It's our fundamental insight about what's needed to solve this problem.

The market doesn't need another point solution. It doesn't need another navigation layer that still leaves data trapped in silos. It doesn't need a data warehouse focused solely on healthcare costs at the expense of employee experience.

What's unique about AI agents is the incredible speed-to-value opportunity they offer. Something we haven't seen before in enterprise tech. The reason is simple: the majority of the infrastructure needed to extract value is already in place. ERPs, HRIS systems, claims databases, communication platforms, and benefits administration tools exist inside virtually every organization today. AI can leverage these existing investments to deliver immediate impact without the lengthy implementation cycles typical of traditional enterprise software.

What the market needs is a fundamentally different kind of technology that:

  • Delivers complete visibility into data across all providers and point solutions
  • Bridges the gap between operational benefits data and actual employee needs and experiences
  • Harnesses the power of AI to find insights buried in vast amounts of complex data

Avante is built on a simple but powerful premise: employers should be able to deliver world-class employee benefits experiences while bending the cost curve on their second-largest expense.

Early Results Show What's Possible

Our early adopters are already seeing remarkable results:

  • 40% reduction in benefits administrative workload
  • 7x improvement in employee engagement and satisfaction
  • A clear path to 3-5% cost reduction against healthcare trend

These aren't just incremental improvements. They signal a fundamental shift in how benefits can be managed and experienced.

What makes Avante uniquely positioned to tackle this huge problem is the perfect symphony of capabilities we've assembled: deep experience in healthcare, a founding team born from enterprise B2B builders, surrounded by world-class investors and customers who believe in our vision, and have the expertise to shape our path to deliver real results. This combination of healthcare knowledge, technical expertise, and strategic guidance gives us the foundation to transform this complex industry.

The Next Frontier

For too long, employers have been forced to choose between controlling costs and delivering great employee experiences. We're proving that with the right technology, this is a false choice.

Avante is uniquely positioned to guide employers toward a future where benefits leaders can:

  • Transform benefits from a cost center to a strategic advantage
  • Make confident, data-driven decisions about program design and investment
  • Build benefits programs that continuously improve based on real-world data and employee needs

As AI becomes more advanced and accessible, its value won't come from the technology alone, but from how effectively it's embedded into business operations. The organizations that win will be those that leverage context-aware AI to drive meaningful cost savings, better employee engagement, and smarter benefits decisions.

Join Us on This Journey

Avante means "forward", and that's where we're headed. We're building an AI-powered benefits intelligence platform that will transform how employers manage their second-largest expense while delivering extraordinary employee experiences.

If you're a benefits leader tired of flying blind, a CHRO or CFO seeking to control costs without sacrificing quality, or a broker or consultant looking to deliver more value to your clients, I invite you to join us on this journey.

The future of benefits is intelligent, personalized, and data-driven. And that future begins now.

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Case Study

How Samsung’s benefits team became AI-native

Challenge

A benefits program running on disconnected data

Samsung Semiconductor’s benefits team was running a multi-million-dollar program, but their data couldn’t tell them whether it was working the way they intended, or help them shape strategy and make the case for change to leadership. Claims, Rx, dental, vision, point solution, and wellness data all arrived directly from vendors, each source on its own, never reconciled, leaving the team no way to reason across them.

The pressure came to a head at renewal. Samsung’s point solution contracts were all up at once, and the performance guarantees underneath them rested on each vendor’s own anticipated ROI, quantified largely from employee attestations rather than objective data. Sarah Schutzberger, Samsung Semiconductor’s Benefits and Wellness Sr. Manager, who is responsible for the entire program, wanted to stop relying on fragmented information and tie every point solution back to actual claims. At the same time, with the team scaling for growth and employees increasingly expecting AI-grade speed, she wanted to modernize the employee experience too.

“Everything before Ava was fragmented. We relied a lot on the data being provided directly to us from our vendors. Now we’re able to connect the dots between each of our benefits to truly understand the employee impact.”

Sarah Schutzberger
Benefits and HR Operations Sr Manager, Samsung

Solution

Two agents, one connected platform

Samsung Semiconductor deployed Avante’s AI-native benefits intelligence platform. It securely brings together claims and eligibility, point solution data, plan documents, and the vendor contracts behind them into the Vault, and two purpose-built AI agents sit on top of that shared foundation. For most benefits teams, those sources never connect. With Avante, they do.

Ava

Ava, the agent for the benefits team, reasons over all of it, reconciling vendor contracts and reports against the actual claims on demand. It can generate reports and build branded presentations. The team can bring its own data too, uploading spreadsheets, PDFs, and files into a conversation. It acts like an expert benefits teammate that knows the company, its programs, and its goals, and delivers objective, near real-time insights when they’re needed. “I was looking for a data warehouse,” said Sarah, “and this is so much better. Instead of static dashboards or sending requests to an analyst, I have real-time insights at my fingertips on any question I have.”

Screens are illustrative. Names and data shown are fictional to protect user privacy.

Carly

Carly, the agent for employees, gives Samsung’s workforce real-time, accurate answers to benefits questions, and prompts the right next step rather than answering only the literal question. It helps employees find and use benefits they did not even know they had, at the exact moments they need them most.

Screens are illustrative. Names and data shown are fictional to protect user privacy.

Together, the two agents give the entire company a complete picture of its own benefits, making the use cases below possible for the first time.

Results

What the team does with Ava

The use cases are virtually endless, from building reports to making the case for new programs, from developing customized communications to pressure-testing plan redesign decisions. These are just a few the team acted on in its first three months with Ava.

Use case 1: 66% increase in Lyra utilization

Lyra had traction, with strong engagement and a high share of employees in care relative to its book of business. But when the team dug into behavioral health using Ava, they were able to compare utilization across Lyra and the medical plan, the EAP and the carrier, two datasets that almost never get connected. They surfaced a gap they could not have seen before: a large share of dependents, especially children, were routing through the medical plan for behavioral health instead of starting with Lyra, where the team wants people to begin. The stakes are meaningful: care comes in on day one through Lyra, versus waits of two weeks or more through the medical plan.

The team used Ava to draft communications for that exact parent-and-dependent population, timed to Mental Health Awareness Month, and sent them that week. They also took the finding back to Lyra so it could sharpen its own outreach, and opened a conversation with the medical plan provider about surfacing Lyra first inside the portal. The result: from the first communications in May through the end of June, engagement with the dependent population improved and utilization increased 66%.

“It was a ten-minute chat with Ava that gave us key insights, so we could make targeted communications and address the exact gap instead of throwing spaghetti at the wall and sending out marketing materials that weren’t necessarily hitting.”

Cara Ayala, RD, CPT, CHC
Wellness and Benefits, Associate Manager, Samsung

Use case 2: Making the case for healthier food options

As dietitians, Sarah and Cara had wanted to address nutrition through the company café for years, and the project kept getting pushed aside. Working from the claims data, they pulled the disease states most influenced by nutrition, gave Ava their clinical guidance (whole-foods-first, plant-forward, lean proteins, healthy fats, and a simple green/yellow/red system employees could follow), and used Ava to produce an evidence-based meal program.

The café team now plans to use this framework during the current RFP process to ensure the new vendor is able to execute successfully. Additionally, the team will track the changes in their food program along with medical claims to see the impact. A project that had waited years came together in a single 2-hour planning session.

“Revamping our cafe and food options has been a passion project of ours, but it’s a project that gets pushed to the wayside year after year. But with Ava, it is now possible to move forward.”

Cara Ayala, RD, CPT, CHC
Wellness and Benefits, Associate Manager, Samsung

Use case 3: Building an airtight sabbatical program ROI proposal

Hortencia Alcazar, the Senior Benefits Analyst at Samsung Semiconductor, had built a sabbatical analysis by hand about two years ago. It took two to three weeks of research, formatting, and modeling. She rebuilt it this year with Ava, and it came together in a few hours. Ava pulled in turnover, mental health burnout claims, replacement cost, and tenure assumptions to model ROI at different vesting points, then packaged the work as an executive summary and slides ready for leadership. What stuck with Hortencia and the team was that when they tried to trick it with the data, it held its logic and double-checked them, reasoning exactly as they would have. The proposal is now slated for Samsung’s 2027 program.

“I’d classify Ava as a thought partner and an analyzer.”

Hortencia Alcazar
Senior Benefits Analyst, Samsung

Endless possibilities for AI-native teams

In addition to the use cases above, the team:

  • Built a custom manager support guide for mental health crises in minutes by combining Samsung’s own mental health crisis-response document with materials from Lyra
  • Assessed whether their preventative care solution was reducing cardiovascular disease and diabetes and found low engagement among comorbid members who need it most, driving targeted communications
  • Explored redesigning the medical plan for next year, including options such as a migration from the OAP to an HDHP, which will inform future negotiations
  • and more…
Results

What Carly does for employees

Before Carly, an employee who wrote to the shared service center could wait more than 48 hours for a reply, and often got an answer to only the exact question they had asked. Carly answers in real time, meeting the employee where they are with personalized guidance. 16% of questions come in after hours, when the benefits team isn’t available, meeting an employee at the exact moment they need support.

It also prompts the right next step. For example, when an employee asks about mental health coverage under the medical plan, Carly also points them to Lyra, the path the team wants people to take first. Every employee question becomes a chance to drive awareness of the benefit they should be using, at the moment they need it. In the last four months alone (February – May), Carly instantly and accurately answered over 1,500 employee questions, saving the benefits team approximately 930 hours.

Open enrollment, when question volume is highest, was a key point in the year to prove Carly’s efficacy and impact. According to Sarah Schutzberger, “It was the smoothest open enrollment we’ve ever had. The amount of time it saved our team was extraordinary.”

“Avante is transforming our employees’ experience, is giving our benefits team time back, and has yielded insights resulting in impactful interventions, which are having a positive impact on the health and wellbeing of our team.”

Kevin O’Connell
Senior Director, Total Rewards & HR Operations, Samsung

Screens are illustrative. Names and data shown are fictional to protect user privacy.

How the work itself changed

With Carly fielding the day-to-day employee questions, the team reclaimed the hours it once lost to repetitive inbox support and redirected them to strategy and program development.

The team spends that reclaimed time with Ava, now its first stop for any question, communication, or decision. They use Ava to answer real-time questions in a standing Friday meeting with leadership and bring it to events to pressure-test ideas on the spot.

Ava gives them more strategic insight, faster, and it’s backed by data they trust. In its first few months, the team reclaimed hundreds of hours using Ava to build leadership and employee-facing deliverables and run dozens of cross-source claims analyses that used to take weeks by hand, or days waiting on vendors. That level of visibility and ownership also changes what gets approved. Walking into leadership with the data and the reasoning behind a recommendation moves more initiatives forward, and gives the team the confidence to put program and plan redesign recommendations on the table.

“It’s easier to push things through leadership when you have the data and the why behind the strategy.”

Sarah Schutzberger
Benefits and HR Operations Sr Manager, Samsung

“I don’t know what I did before Ava.”

Cara Ayala, RD, CPT, CHC
Wellness and Benefits, Associate Manager, Samsung

Look ahead

For Samsung, these are the early innings. On the roadmap: bringing their own drug-utilization data to PBM negotiations; connecting LOA, short-term disability, Lyra, and medical claims to forecast and prevent leaves; and next year’s medical plan design.

Benefits clarity for employees and HR

Samsung Semiconductor runs a generous benefits program, including several point solutions, focused on emotional, social, financial, and physical health and wellness for their employees and dependents.

“If you don’t have AI on your benefits team, you’re already behind. Especially in our industry, our employees are so used to using AI in everything they do, from coding to drafting. It’s everywhere. If we don’t have it, how can we stay aligned with the technology and the experience they’re already used to?”

Benefits strategy
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