Administration of benefit plans concerning group insured and/or self-insured benefits and/or individually insured and/or self-pay benefits, namely, enrolling participants, automatically verifying eligibility, adjudicating claims, processing payments, transferring funds, and updating records of employee expenditures, all via various means which may include but are not limited to, communications networks using electronically encoded cards operating in conjunction with employee benefit plans concerning insurance and self-insurance; providing employee benefits and/or benefit management services to third party administrators and employers, namely, providing program development and aiding administration of benefit plans for others concerning insurance, self-insurance and/or self-pay benefits; providing employee benefits and/or benefit management services for others concerning insurance, self-insurance and/or self-pay benefits which may include but are not limited to, third party administrators, employers, and governmental payers, namely, providing payment processing services and processing electronic payments made through various means which may include but are not limited to, payment cards and ACH for various types of payments which may include but are not limited to, commuter expenses, tuition reimbursement, dependent care, flexible spending accounts and other tax advantaged accounts; administration of insured, self-insured and self-pay benefit plans; and providing educational information in the field of employee benefits and/or benefit management services concerning group insured and/or self-insured benefit plans and/or individually insured and/or self-pay benefit plans