ThrivePassPREPARED FOR LocktonLet's connect
Light-filled architecture with a sweeping staircase
A PARTNERSHIP WITH YOU IN MIND

Lockton + ThrivePass.
Stronger together.

Your relationships. Our benefits expertise.
Pre-tax and COBRA, handled independently.
Less friction. More room for high-value consulting.

Explore the partnership
BUILT AROUND LOCKTON. BUILT FOR YOUR CLIENTS.
People. Benefits. Progress.
High-touch service.
Backed by real accountability.
30+years of TPA expertise
94.5%net client satisfaction¹
90%+first-contact resolution
100%of fees at risk²
THE RIGHT FIT, NOT JUST ANOTHER VENDOR

Zero-Noise.
Total Relief.

Pre-tax and COBRA shouldn't create friction for Lockton or your clients. ThrivePass owns the day-to-day administration, with proactive support designed to prevent avoidable escalations—so your team can focus on high-value consulting, not chasing a TPA.

We run it. You advise.

Independent, smooth administration with a dedicated team that resolves issues directly instead of routing routine work back to Lockton.

Less noise. More consulting time.

Clear reporting. No chasing.

On-demand reporting and real-time employer and participant visibility replace opaque updates with clear answers when clients need them.

Visibility without the reporting chase.

Clean from day one.

Takeover carrier and client audits identify inherited issues before they carry forward. Deep compliance expertise and our Brand Promise back the service.

Clean audits. Accountable service.
ONE PARTNER. MORE POSSIBILITIES.

Benefits that fit.
Without the extra moving parts.

From the essentials to the unexpected, bring your clients a benefits offering as thoughtful as your advice.

THE THRIVEPASS APPROACH

Clean administration. Clear answers.

Enrollment, claims and reimbursement handled independently, with on-demand reporting and real-time participant and employer visibility. Takeover carrier and client audits address inherited issues from day one—so poor reporting doesn't become your problem.

FSALPFSADCAHSAHRACommuter
What this means for Lockton

Fewer reporting chases and less administrative noise. Your clients get clarity; Lockton stays focused on high-value consulting.

Discuss a client program
THE THRIVE ACCOUNT · CUSTOMER STORIES

Real teams. Meaningful benefits.

Goodway Group

Reimbursements reimagined.

Personalized perks for employees. Less manual work for Finance. Better insights for HR.

Read Goodway Group’s story
Trinity UCC

A culture of care.

Flexible, meaningful support that honors each team member’s own definition of wellbeing.

Read Trinity UCC’s story
DECISION ENABLEMENT · SELF-FUNDED GROUPS

Better choices for people.
A meaningful lever for plan spend.

Help qualified beneficiaries explore affordable ACA Marketplace options—and help self-funded clients understand the impact beyond COBRA premiums.

SELF-FUNDED PLAN PERSPECTIVE
QUALIFIED BENEFICIARY

An informed choice. A different risk pathway.

A side-by-side comparison helps people weigh their COBRA offer against ACA Marketplace options. Eligible individuals may access premium subsidies and choose affordable coverage that fits their needs.

WHAT CHANGES FOR THE EMPLOYER

Potentially less plan spend. Less catastrophic claims exposure.

  • When Marketplace coverage replaces COBRA, future covered claims fall under the new policy rather than the employer's plan.
  • That shift can materially reduce catastrophic claims exposure and overall plan spend for self-funded groups.
  • Lockton brings a high-value consulting conversation—not another administration task.
SEE THE NUMBERS FOR YOURSELFBrowse all case studies
INTERACTIVE TOOL

Decision Enablement calculator

Model how Decision Enablement can reshape COBRA spend for a self-funded group—instantly.

Try the DE calculator Employer savings calculator
CASE STUDY334%estimated ROI

Helping Employees Save by Making COBRA Decisions Clear

Read the case study CASE STUDY2,922%estimated ROI

Turning Costly Defaults into Confident Coverage Choices

Read the case study

Coverage choice remains voluntary; COBRA rights are preserved. Marketplace enrollment windows, subsidy eligibility, provider networks and coverage differ. Savings are not guaranteed and depend on elections, claims, plan terms and stop-loss arrangements.

Discuss a self-funded group's opportunity
DEDICATED EXPERTS. A SEAMLESS EXPERIENCE.

A whole team.
On your client's side.

Not a handoff. A partnership. Our relationship management model connects strategy, service and support around one shared priority: your client.

Your client.Our shared priority.
Your day-to-day partner

Client Success Manager

A primary point of contact who connects the right people and keeps your service moving.

  • Primary point of contact for ongoing support
  • Coordinates across teams
  • Proactively monitors service and escalates as needed
  • Ensures a seamless client experience
One connected team. Year-round accountability.
OUR FOUNDATIONTrustCollaborationAccountabilityContinuous improvementClient first
CLEAR FLOWS. CONFIDENT PARTNERSHIPS.

Different benefits.
Transparent funding.

Know where funds go, when they move and what your clients can see—every step of the way.

FSA · DCA · HRA · Commuter · Thrive Accounts

STEP 01

Participants use account

Participants make eligible purchases using their benefit accounts.

The client keeps participant payroll contributions and funding control. ACH timing may vary based on participant purchase activity and account type.

LESS FRICTION. MORE CONNECTION.

Good service starts
with good data.

On-demand reporting. Real-time employer and participant visibility. Two integration models that support accurate eligibility, timely communications and complete audit visibility.

TWO PATHS. THE SAME GREAT OUTCOMES.

Connected. Automatically.

ThrivePass securely retrieves eligibility data from employer and client systems through an API connection.

01Secure connection
02ThrivePass retrieves data
03Automatic synchronization
04Processing & communications
05Reporting available
Data flowThrivePass retrieves
AdministrationAutomated
Audit & evidence reportingIncluded in both models
Integration feesNo ThrivePass integration fee
A STRONG START

From kickoff to confidence.

Takeover carrier and client audits address inherited issues from day one.
A dedicated Implementation Project Manager owns requirements,
system setup and integration testing.

6–8weeks from kickoff to go-live³
LET'S BUILD WHAT'S NEXT

Your clients' goals.
Our next conversation.

Let's talk about what matters to your employer groups—and how we can help you deliver it.

Start a conversation