In Spite of Your Efforts – Most Benefits Programs Are Causing Employee Financial Stress

72% of employees feel stressed about their finances PwC
60% say their financial stress increased in the past year PwC
76% say financial stress hurts their productivity PwC
Get Your Fiduciary Assessment™ See How It Works

Legato delivers a new system and a new formula that reduces financial stress.

A Modern Program. A Modern Formula. For a Modern Workforce

And Your Employees Will Give You a Standing Ovation

The Fiduciary Gap

The Fiduciary Gap Is the Difference Between What Benefits Were Intended to Do and the Actual Outcome.

This was created because you were given the wrong formula. We redo the Math in our Fiduciary Alignment Formula.

One Plan Can't Fit Everyone

A 28-year-old single employee has completely different needs than a 45-year-old with three dependents, yet both are handed the same two plan choices.

Costs Rise, Coverage Stays Flat

Employers absorbed double-digit premium increases for years while employees saw no meaningful improvement in the coverage they actually receive.

Financial Stress Destroys Productivity

Employees distracted by healthcare bills and financial anxiety aren't present at work, and that cost rarely shows up on a benefits invoice.

65%
of Americans say medical bills are their biggest financial fear, more than losing their job.
Kaiser Family Foundation
57%
of employees cite healthcare costs as their #1 source of financial stress, ahead of housing and debt.
PwC Employee Financial Wellness Survey
The Legato System

A Complete Benefits Operating System
Built for Real People

Legato replaces the one-size plan with a household-level system that adapts to every employee's actual situation. Scroll to explore each pillar.

Predictable Costs, Zero Surprises

With Legato, employers set a defined monthly contribution per employee, and that's where their cost ends. No more watching premiums climb every renewal cycle. No more absorbing carrier increases you can't control.

Employer costs are capped at the defined contribution amount
Employees use their allocation to choose coverage that fits their life
Budget predictability from day one, every year after

Benefits Built Around Each Household

Legato's Fiduciary Alignment Formula analyzes each employee's household profile: dependents, income, health history, and risk tolerance, and builds a personalized benefits strategy, not a guess.

Medical, income protection, supplemental, savings, and emergency funds all considered
Every employee gets a strategy that fits their actual reality
The employer's contribution is allocated where it creates the most value

Smart Guidance at Every Step

Most employees don't understand their benefits. Legato's AI-guided enrollment experience walks every employee through their options in plain language and steers them toward choices that make the most financial sense for their household.

Plain-language explanations for every plan and option
AI recommendations based on actual household data
Fewer support calls, more confident employees

A Marketplace Built for Their Real Life

After choosing their core benefits, employees gain access to the Legato Marketplace, a curated catalog of below-retail health, wellness, and financial tools available exclusively to Legato members.

Physical, emotional, and financial wellness tools in one place
Below-retail pricing on services employees actually use
Benefits they'll actually talk about, not ignore at renewal
How It Works

From Enrollment to Empowerment in Four Steps

Legato replaces open enrollment chaos with a guided system every employee can actually navigate.

1

Employer Sets a Defined Contribution

Choose a fixed monthly amount per employee. That's your total cost, with no surprises at renewal.

2

AI Guides Smarter Plan Choices

The guided choice engine walks each employee through options in plain language and surfaces the best fit, not the most expensive one.

3

Employees Shop the Marketplace

After coverage is selected, employees unlock the Legato Marketplace, with below-retail access to physical, emotional, and financial wellness tools.

4

Everyone Wins, Every Year

Employers see stable costs. Employees feel genuinely supported. The relationship compounds with each renewal cycle.

See Guided Choice in Action
A Better Way

The Old Model vs. The Legato Model

For decades, employers have been forced to choose between offering good benefits and controlling costs. Legato eliminates that tradeoff by replacing the group plan model with a defined contribution system, the same shift that transformed retirement when 401(k)s replaced pensions.

The Old Model

Employer picks 1–2 group plans for everyone
↓
All employees receive the same options
↓
Employee 1 — Over-insured, paying too much
Employee 2 — Under-insured, exposed to risk
↓
Employer absorbs 10–20% annual premium increases

The Legato Model

Powered by ICHRAIndividual Coverage HRAs let employers fund each employee's health coverage tax-free, on their own terms. Legato wraps ICHRA with guidance, optimization, and marketplace infrastructure that makes it work for every employee. and the Wellness Marketplace
Employer sets a fixed defined contribution (ICHRA)
↓
Legato profiles each employee's household
↓
Employee 1 — Right plan, right coverage, right price
Employee 2 — Personalized protection, no gaps
↓
Employer costs fixed and forever predictable
The Legato Marketplace

Benefits Your Employees Will Actually Use

After choosing their core coverage, every Legato member unlocks a private marketplace built around three pillars of genuine wellbeing, all at below-retail pricing.

Physical Fitness

Gym memberships, preventive care, nutrition coaching, and fitness programs at prices only Legato can offer.

Emotional Fitness

Mental health apps, counseling discounts, and stress-reduction tools for year-round emotional support.

Financial Fitness

Budgeting tools, savings automation, credit coaching, debt-reduction programs, and emergency fund tools, because financial health is health.

Explore the Marketplace
Legato Marketplace
Ready to Make the Switch

Your Employees Are Waiting for Someone to Get This Right.

A free benefits assessment shows you exactly what your employees are losing under the current model and what they'd gain with Legato. No commitment, no pressure. Just clarity.

Get Your Free Benefits Assessment Talk to Our Team