Success Story

Streamlining COBRA Administration for a Multi‑Location Car Dealership Group

A multi location car dealership group in Missouri with 250 employees, needed a more efficient and accurate way to manage COBRA premiums across several related dealerships. Each dealership operated with its own banking and accounting processes, creating complexity in day to day benefits administration.

250 Employees

Support for Several Locations

Reduced Administrative Workload

Better Accuracy in COBRA Premium Allocation

The Challenge

Because each dealership functioned as a distinct employer entity, COBRA premiums collected by the previous administrator were not being accurately allocated back to the correct dealership. This caused:

Internal accounting confusion

Monthly manual reconciliation work

Administrative frustration for the HR and accounting teams

Leadership wanted a COBRA administrator partner who could seamlessly manage this complexity—without requiring the employer to fix accounting issues after the fact.

Our Solution

EBC implemented a clean, location‑specific COBRA administration framework designed for multi-location employers. Key components included:

Routing collected premiums back to the correct dealership to ensure accurate accounting

Supporting separate banking and remittance processes for each location

Allowing each dealership to remit administrative fees based on its own member counts instead of a combined total

This approach fully aligned COBRA administration with the employer’s existing financial and operational structure.

The Result

The dealership group experienced immediate improvements in efficiency and accuracy:

No more manual accounting adjustments

Reduced administrative workload for internal staff

Greater accuracy and transparency in COBRA premium allocation

Higher overall satisfaction with benefits administration processes

By simplifying what had been a recurring monthly pain point, EBC helped the employer reclaim valuable time and shift focus back to supporting employees—not fixing backend accounting issues.

Missouri

| COBRA