Summit – Cloud-Based Benefits Administration Software

Seamless employee benefits administration for FSA, HRA, HSA, Dependent Care, Transit, COBRA and more


Summit is the only true all-in-one cloud-based solution, featuring seamless benefits administration for CDH accounts, HSAs, and COBRA billing. Created with the needs of TPAs in mind, Summit simplifies and streamlines employee benefits administration across all lines of service such as FSA, Dependent Care, HRA, QSEHRA, HSA, Transit/Commuter accounts, and COBRA. Summit’s unified design is unrivaled – it’s the only benefits administration software solution that centralizes CDH account, HSA, and COBRA functionality in a single platform.


How Summit Will Save You Time and Money

  • Quick and easy account setup – Our default settings and wizards allow plan setup with just a few clicks. You can customize contribution schedules, reimbursement and card settings, or whatever your clients need. You can also simplify new employer groups or plan years.
  • Global record keeping – Summit enables you to keep single employer and participant records for both CDH and COBRA administration. In addition, single benefit plans can possess different CDH and COBRA attributes.
  • Automated reimbursements – Speed up and simplify payment administration by automatically generating payments and stop manual payment creation.
  • Flexible data exchange – Tell Summit the type of data you expect, and it automatically reads and inputs the data you need. Our exchange also has automated data retrieval and delivery.
  • Non-discrimination testing – Non-discrimination testing in Summit is simple, whether the data being tested is already in the system or imported specifically for this purpose. In addition, Summit allows you to adjust participants’ compensation limits, and to print and share test results including recommended plan changes.
  • Additional Tools to Help You Grow – Unique broker portal, a la carte plan design capability, and full white label branding can elevate your business to the next level.

CDH Account Administration

Summit allows practically unlimited plan design, from the simplest to the most complex. Customize your clients’ account-based plans with:

  • Multiple benefit designs and options (medical, dental, vision, wellness, etc.)
  • Account-linked debit card that offers a stacked benefit environment that allows portability between benefits
  • Differentiated deductibles
  • Co-insurance rates and co-pays for each benefit option
  • Variable employee/employer responsibility
  • Roll-over

HSA Administration and Investments


Summit HSA helps TPAs increase revenue without taking on a lot of additional work. Summit features simplified HSA administration, a low investment threshold, and industry-leading customer support. Boost your bottom line with:

  • A participant portal for account holders to enroll online, pay providers, manage investments, access tax information and submit and store receipts
  • Account-linked debit card for participants to receive quick, secure access to their HSA funds; MCC or IIAS restrictions can also be enabled
  • Custodial banking services that eliminate the need for separate partnerships with banks or other entities

COBRA Administration

Since 2002, DataPath has been a recognized leader in COBRA billing solutions. Now with Summit COBRA, we’re elevating the way you handle benefits administration. Scale the mountain to greater success for you and your clients with Summit’s seamless COBRA functionality, including:

  • Single employer and participant records for both CDH and COBRA administration
  • Single benefit plans that can possess different CDH and COBRA attributes
  • Event-based notice generation
  • Automatically monitored COBRA-related events
  • Time-frame tracking
  • Flexible loss-of-coverage options


Additional Features and Benefits

Reaching the pinnacle of employee benefits administration has never been easier. Benefits administration software should make it easy for TPAs to do their jobs and grow their business, and that’s exactly what DataPath had in mind when we created Summit. Features include:

  • A la carte plan design
  • Simple business consolidation
  • Secure broker access
  • Full white label branding
  • Faster, more secure payments



O.C.A. Benefit Services, LLC

We've been using DataPath since 1987. We've stayed with DataPath since 1987 because, while they've had great products and great services, we've stayed with them most importantly because when things haven't worked, they get them fixed.

Stephen Honig President

Read our White Papers on Employee Benefits Administration Software

White Paper: Positioning for Growth – Why TPAs Should Embrace a Thriving HSA Market - Health Savings Accounts (HSAs) have been growing in popularity over the past decade. Due to healthcare reform in Washington, D.C., and market demands, TPAs can benefit from a thriving HSA market. With multiple entities placing an increased focus on HSAs, TPAs need to know how to position ... Read more

White Paper: Evaluating Solutions to Leverage a Booming HSA Market - As the Health Savings Account (HSA) market continues to surge, the time is right for TPAs and other companies to jump in and build additional revenue.  However, one significant area of concern for TPAs is competing with banks. In order to become a formidable alternative to traditional ... Read more

White Paper: Assessing the Benefits of an End-to-End Card Processor in the Consumer Directed Healthcare Market - When considering an account-linked payment card for employer benefits, TPAs must find a solution that provides improved security, accountability, and flexibility for all parties involved in the transaction. Introduction The rise of consumer directed healthcare (CDH) during the past decade has led many employers to seek new methods to incent ... Read more

More Information about Employee Benefits Administration Software

Press Release – DataPath Launches Summit HSA - DataPath Announces Addition of HSA Administration and Investments in Cloud-Based Summit Platform DataPath’s fully-unified Summit platform becomes the industry’s only cloud-based solution to feature FSA, HRA, HSA and COBRA administration capabilities LITTLE ROCK (March 12, 2018) ‒ ... Read more

Medicare and HSAs – A Few Important Things to Know - President Trump’s 2019 budget proposal is creating some buzz around Medicare and HSAs. If you’re eligible for Medicare and have an HSA, here are some things you need to know. What is Medicare? Medicare is a federal ... Read more

FSA Shopping Online Offers Savings and Convenience - For the most part, the internet has been a blessing for online shoppers due to convenience and lower costs on many items. From clothing to groceries to furniture, many retailers offer their products through an ... Read more

Top 3 Healthcare Trends for 2018 - If you thought 2017 was an interesting year in the healthcare arena, 2018 promises even more change! The biggest healthcare trends in the industry revolve around attempts to manage rising insurance and medical costs. For ... Read more

Commuter Benefits (and More) Affected by New Tax Reform Bill - On December 22, 2017, President Donald Trump signed H.R. 1 (formerly known as the 2017 Tax Cuts and Jobs Act) into law; Congress passed the bill on December 20. The tax reform bill will be ... Read more

How to Maximize Your Healthcare FSA Spending and Benefits - If you already have a healthcare flexible spending account, or FSA, you know that it’s a powerful financial tool for ... Read more

HSA and COBRA – Portability, Premiums, and Contributions - If you own a Health Savings Account, you may have questions about your HSA and COBRA. This article answers questions ... Read more

Press Release: DataPath White Paper Examines Benefits Administration Solutions for TPAs - New white paper analyzes the current state of software technologies and the impact on CDH account and COBRA administration LITTLE ROCK, ... Read more

High Deductible Health Plans Increase Wellness Program Participation - For TPAs who offer HSA administration services, understanding HDHP enrollment and wellness program participation can be key when talking to ... Read more

DataPath Announces the Release of COBRA in Cloud-Based Summit Platform - DataPath Summit Marks Industry First with New Billing Functionality DataPath’s expanded Summit platform becomes the industry’s only cloud-based solution for seamless ... Read more

IRS Releases Qualified Small Employer HRA (QSEHRA) Guidance - On Tuesday, October 31, 2017, the Internal Revenue Service (IRS) released official guidance on the usage of Qualified Small Employer ... Read more

IRS Publishes 2018 FSA Contribution Limits and Other Benefit Increases - On Friday, October 20, the Internal Revenue Service (IRS) released updated rules for 2018 contribution limits for health Flexible Spending ... Read more

Enrollment Season Tips for Benefits Administrators - Here are some enrollment season tips for TPAs during the hectic open enrollment season.  It’s open enrollment time. That means third ... Read more

Executive Order May Lead to HRA Regulatory Expansion - Through an executive order signed Thursday, October 12, President Donald Trump lifted some insurance rules that were put in place ... Read more

6 Ideas for End-of-Year FSA Spending - The clock is ticking on 2017! Have you spent all of your pre-tax FSA dollars? If you still have a ... Read more

What is Healthcare Consumerism and How Does it Affect Healthcare? - Imagine a healthcare system where everyone in the U.S. is a knowledgeable, savvy consumer of medical services and plays an ... Read more

Guide to Investing Your HSA Account for Growth - The following infographic, “A Guide to Investing Your HSA Account for Growth”, provides an overview on Health Savings Account (HSA) ... Read more

Health Reimbursement Arrangement (HRA) FAQs - This guide provides answers to frequently asked questions about Health Reimbursement Arrangements (HRA FAQs). For questions and answers regarding Qualified ... Read more

Can You Have an HRA and HSA at the Same Time? - Healthcare spending accounts, such as Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs), help individuals and families pay for ... Read more

Why Health Savings Accounts are Booming in 2017 - Data from recent years shows that Health Savings Accounts are booming and factors indicate continued growth in years to come. Since ... Read more

Kickstart the 2017 School Year with Your Employer-Sponsored Benefits - The 2017 school year is almost upon us! That means parents (and children) are starting their preparation rituals by shopping ... Read more

Why Small Businesses Should Consider QSEHRAs - In today’s cost-conscious healthcare environment, small businesses have several tools they can use to manage the cost of providing employees ... Read more

How a Mid-Year Change of Status Affects HSA Contributions - When a person has a change of status during the plan year, it affects his or her annual Health Savings ... Read more

FSAs, HSAs and BCRA – The New Senate Healthcare Bill - On Thursday, June 22, 2017, Senate Republicans released the draft of their new healthcare proposal, known as the Better Care ... Read more

The Value of a Consumer Directed Healthcare Account - View the infographic below to discover the value of consumer directed healthcare accounts. The graphic features an overview of HSAs, HRAs, ... Read more

Millennials and HDHPs: A Perfect Fit for Employers and TPAs? - Millennials are younger and healthier in comparison to their Gen X and Baby Boomer peers. Are Millennials and HDHPs with ... Read more

IRS Announces 2018 HSA Contribution Limits - The IRS has released updated figures for Health Savings Accounts, raising 2018 HSA contribution limits, minimum deductibles, and maximum out-of-pocket ... Read more

House of Representatives Passes American Health Care Act - Yesterday, the House of Representatives passed the American Health Care Act (AHCA) with a vote of 217-213. The bill now ... Read more

Did You Know about these HSA Benefits? Six Things to Keep in Mind - If you have a Health Savings Account (HSA), there may be some benefits to this consumer directed healthcare account that ... Read more

HRA Plans: What You Need to Know About Qualified Expenses, Taxes, and More - Health Reimbursement Arrangements (HRAs) are employer-sponsored benefit plans that allow employees to withdraw tax-free money to pay for qualified medical ... Read more

What is a Limited Purpose FSA and How Account Holders Can Use It - By now, most people are familiar with Flexible Spending Accounts (FSAs), which allow you to set aside money from your ... Read more

HSA and Retirement – How Your HSA Can Boost Your Retirement Fund - HSAs were designed to help make healthcare more affordable and give people more freedom in their personal healthcare decisions. However, ... Read more

Are You a Health Benefits Pro? Take This Quiz to Find Out! - Do you think you are a health benefits pro? Put your knowledge to the test with this quiz! (function(d, s, id) ... Read more

FSA Reimbursement: 9 Qualified Expenses You May Not Know About - If you participate in a Flexible Spending Account (FSA), there may be some qualified FSA expenses you didn’t know about. Healthcare ... Read more

AHCA: HSAs, FSAs, Cadillac Tax and More - On Monday, March 6, House Republicans published the American Health Care Act (AHCA), a proposal to repeal and replace multiple ... Read more

Health Savings Accounts and Filing Your Taxes - Tax season has officially arrived. Here’s the information you need for Health Savings Accounts and filing your taxes. As you prepare ... Read more

Investing HSA Funds – The Key to Substantial Growth - HSA owners benefit from tax-free growth on their account through interest earned and investment income. However, with interest rates at ... Read more

ACA and Health Savings Accounts – What Could Be the Future of HSAs - In 2017, with the inauguration of a new president and with Congress openly discussing healthcare reform, Health Savings Accounts (HSAs) ... Read more

Eye Care and Your Employer-Sponsored Benefit Account - Eye care is an important part of your overall wellness. Comprehensive eye care includes exams, vision correction procedures, corrective eye wear ... Read more

QSEHRA Frequently Asked Questions - In December 2016, President Obama signed the 21st Century Cures Act into law. The Cures Act allows small employers to ... Read more

FSA vs HRA vs HSA – What are the Differences? - ‘What are the differences between an FSA vs HRA vs HSA?’ is a common question for many people. Here’s a ... Read more

The 21st Century Cures Act: An Infographic - The following infographic highlights the important points regarding the 21st Century Cures Act and standalone HRAs for insurance premium reimbursements. ... Read more

What’s the Right Amount for My Flexible Spending Account? - With FSA popularity on the rise, participants want to know ‘what’s the right amount for my flexible spending account?’ Flexible Spending ... Read more

Portability and 9 Other Important Things to Know About an HSA - For many people, it is open enrollment time for Health Savings Accounts (HSAs). Here are ten important things to know ... Read more

HRAs – A Look at the Pros and Cons - Health Reimbursement Arrangements, better known as HRAs, are an important piece of the consumer driven healthcare market. The employer-funded account ... Read more

HSA Enrollment May Surge During Trump Administration - Already a popular consumer driven health account, HSA enrollment could see a significant boost during the Trump Administration. Now that the ... Read more

9 Ways to Spend Your FSA Funds Before Year End - Some plans require participants to spend FSA funds before the end of the plan year or risk losing the funds ... Read more

FSA Contribution Limit 2017, IRS Inflation Adjustments Affect FSAs - Newly released IRS inflation adjustments increase the FSA contribution limit in 2017. The Internal Revenue Service (IRS) released its inflation adjustments ... Read more

CDH Accounts Can Help Take the Scare Out of Halloween Injuries - If you get injured this Halloween, look to your consumer directed healthcare (CDH) account to take the scare out of ... Read more

Save Money on the Flu Shot with Your FSA or HSA - Flu season is upon us. The good news for people with a Flexible Savings Account (FSA) or Health Savings Account ... Read more

Make Tracks to Higher Revenue with Summit Transit - Transit (also known as Commuter) accounts are a popular employer-sponsored benefit, especially for companies and employees located in and around ... Read more

COBRA and State Continuation – Frequently Asked Questions - The thought of losing your health insurance coverage can be terrifying. Here are some frequently asked questions (FAQs) and their ... Read more

Retiree Billing – Finding the Right Solution - Retirement is a time for great celebration for most people. At the conclusion of a long and fruitful career, many ... Read more

For More Money in Retirement, Look to Your HSA - IRA, 401(k), HSA? You may be thinking that one of these is not like the others. But, Health Savings Accounts ... Read more

Department of Labor Rule Change Could Impact HSA Account Holders - The United States Department of Labor (DOL) finalized a conflict of interest rule designed to ensure that investment advisors deliver ... Read more

FSA Funds Can Help Account Holders Get Ready for Back to School - Believe it or not, August is here! For many Flexible Spending Account (FSA) holders, there are only five months left ... Read more

FSA, HRA, and HSA Account Holders Receive Congressional Boost - On July 6, 2016, the House of Representatives passed a significant piece of legislation that affects millions of Americans who ... Read more

Limited Purpose FSAs - As part of the employer benefits landscape, many people have heard of the big three in consumer directed healthcare: Flexible ... Read more

HSA Eligible Expenses - Since they were enacted in 2003, Health Savings Accounts (HSAs) have become an integral part of the consumer directed healthcare ... Read more

HSA vs FSA – Breaking Down the Differences - The alphabet soup of consumer directed healthcare (CDH) – FSAs, HRAs, HSAs, MERPs, MSAs – can make it a challenge ... Read more

FSA Eligible Expenses - Flexible Spending Accounts, known as FSAs, are an important part of consumer directed healthcare. The tax-advantaged accounts allow participants to ... Read more

Commuter Benefits – What You Need to Know - Commuter benefits have become a staple in many employer benefits plans, especially in major metropolitan areas around the United States. ... Read more

Benefits Debit Cards Offer Convenience and Practicality - Today’s reality highlights the need for benefits debit cards: in a 21st century, first-world society, card payments are the norm ... Read more

The Future of HSAs is Today - Having recently celebrated its 12th birthday, the Health Savings Account (HSA) is more popular than ever.  During the first half ... Read more

DataPath Summit: The Nation’s Best Benefits Administration Platform - According to a recent study conducted by SHRM, employer-sponsored benefits increased by 35 percent in 2015, which is a seven ... Read more

Health Savings Account Advantages - Do you know the advantages of having a Health Savings Account (HSA)? Do you know the potential tax savings you ... Read more

Taxes and HSAs – What You Need To Know - It’s officially tax season! We have the information you need about taxes and HSAs, and what you need to do ... Read more

HRA vs HSA – What’s the Difference? - Do you know the difference between a Health Reimbursement Arrangement (HRA) and a Health Savings Account (HSA)? Each account has its ... Read more

HSA Investing – Many Account Holders are Missing Out - Health Savings Accounts (HSA), a popular component of employee benefit packages with high deductible health plans, offer an abundance of ... Read more

High Commuter Costs are Siphoning Money from Workers’ Wallets - According to a recent article featured on CNN Money, commuters in the United States spend an average of $2,600 annually ... Read more

Cadillac Tax: What the Impending Tax Means for Businesses and Employees - In recent weeks, financial experts have been discussing the Cadillac Tax that applies to health care programs, including pre-tax contributions ... Read more

IRS Announces 2016 HSA Contribution Limits - The Internal Revenue Service (IRS) recently announced new 2016 HSA contribution limits. HSA plans are popular among workers who are enrolled ... Read more

Utilizing Your FSA For Back-To-School Shopping - August is nearly upon us which means that back-to-school shopping is right around the corner. You may realize that you ... Read more

IRS Guidance Provides Limited Transition Relief - As part of Notice 2015-7, the IRS issued guidance on Feb. 18 providing limited transition relief for certain premium reimbursement plans, ... Read more

The ‘Everything You Could Need’ Benefits Administration Software Solution

Summit supports a virtually unlimited array of benefit account types, including FSAs, Dependent Care, HSAsHRAs, QSEHRAs, Transit/Commuter, COBRA and more.

Summit is your full-service solution for account-based financial management. A powerful, cutting-edge platform, Summit allows practically unlimited plan design, from the simplest to the most complex. Administrators can design a customizable account-based plan with the following:

  • Multiple benefit designs and options (medical, dental, vision, wellness, etc.)
  • Debit card that links to any account-based employer benefit package and offers a stacked benefit environment that allows portability between benefits
  • Differentiated deductibles
  • Co-insurance rates and co-pays for each benefit option
  • Variable employee/employer responsibility
  • Roll-over

Quick and Easy Account Setup

Summit’s default settings and wizards streamline benefits administration, data entry, and record keeping processes. Setup a new plan with just a few clicks or customize to meet employer needs.

Save time by customizing default settings for the data entry processes you use most:

  • Default plan parameters — e.g., FSA, HRA, HSA, etc. — that can be further customized as needed from setup to setup
  • Contribution schedules
  • Reimbursement schedules
  • Debit card functionality

Summit’s wizards walk you through each step and ensure that the necessary information has been entered. In addition, an easy-to-follow progress bar helps keep you on track.

Complete HSA Management Capabilities

Summit offers you and your clients full HSA administration functionality. As a custodial platform, Summit is your one-stop shop for HSA management, banking and investments, allowing you to compete in the booming HSA market without having to take on a lot of work.

Summit HSA includes:

  • Custodial platform, so there’s no need to partner with a bank
  • Expense self-certification for participants
  • Patented ClaimsVault® for electronic receipt and document storage
  • Integrated investments

Seamless COBRA Administration

Since 2002, DataPath has been a recognized leader in COBRA billing solutions. Now with Summit COBRA, we’re elevating the way you handle benefits administration.

Scale the mountain to greater success for you and your clients with Summit’s seamless COBRA functionality, including:

  • Single employer and participant records for both CDH and COBRA administration
  • Single benefit plans that can possess different CDH and COBRA attributes
  • Event-based notice generation
  • Automatically monitored COBRA-related events
  • Time-frame tracking
  • Flexible loss-of-coverage options

Simple Business Consolidation

Summit was built to meet the current market reality that firms are consolidating and outsourcing more than ever. Summit includes a Master-Sub relationship that is unparalleled in the industry.

Roll new books of business as a Subordinate under your Master portfolio, and gain comprehensive search and reporting functionality across all books of business while maintaining data separation.

Summit was also designed to simplify data integration. You already have data transfer systems in place with distinct file structures. Summit’s integration tool lets you continue to send and receive files in the same format you use now. You tell Summit the format in which you will provide the data and how to expect it.

Summit takes it from there.

Secure Broker Access

Summit is the only platform that empowers you to give brokers secure, online access to specified data on shared clients. With Summit, you designate what data can be shared with which people. Maintain full control while forming closer relationships with referring brokers to grow your business.

You control:

  • Access rights
  • Read/Write permissions
  • Data segregation
  • Report creation and customization
  • Quality and Audit controls

Summit’s unique broker access allows brokers to get the information they need, without risking clients’ privacy.

Non-Discrimination Testing

Non-discrimination testing in Summit is simple, whether the data being tested is already in the system or imported specifically for this purpose.

In addition, Summit allows you to adjust participants’ compensation limits, and to print and share test results including recommended plan changes.

White Label Branding

Customize the administration and participant portals with your brand, reflecting your logo, colors, themes, message, and web address. DataPath branding need not appear on any public-facing pages or features.

Summit is your private platform, branded to fit your business needs. You have complete freedom to customize your site without DataPath’s ‘fingerprint’ appearing on any public-facing page.

That’s reserved for you.

And even more reasons to reach for Summit:

Global Navigation and Search – Summit learns your most frequent daily functions and automatically pushes them to you as you navigate, eliminating endless clicking to find the information you use most. No other web-based solution is designed specifically to allow multiple windows to be open simultaneously.

Top-Notch Reporting Capabilities – Summit’s unique drag-and-drop report writer lets you create custom reports within minutes. Management-level dashboards, statistical analysis, and data modeling tools provide ‘big data’ when you need it.

Data Migration Beyond the Boundaries – Summit makes normal import/export restrictions a relic of the past. Rather than limiting you to a few pre-defined file formats, Summit enables you to specify the format in which you will be providing the data and how Summit can expect it to arrive. From payroll imports to carrier feeds and beyond, importing and exporting doesn’t get any easier.


CDH White Papers

How to Revolutionize CDH Account and COBRA Administration with New, Seamless Technology for TPAs [web]
Positioning for Growth: Why TPAs Should Embrace a Thriving HSA Market [web|pdf]
Evaluating Solutions to Leverage a Booming HSA Market [web|pdf]
CDH White Papers Assessing the Benefits of an End-to-End Card Processor in the Consumer Directed Healthcare Market [web|pdf]

Summit Videos




Easily administer FSAs, HRAs, HSAs, COBRA and more!