Give every franchisee access to benefits — without corporate administering them.
Rikor works with each owner directly. Your team never touches payroll, plan selection, enrollment, or an employee's benefit question.
You make it available. Owners decide the rest.
The structure is what decides whether a benefits programme creates work for your team or none at all.
- Tier 1
Franchisor
Makes the program available across the system
No payroll, no plans, no paperwork at corporate
- Tier 2
Franchise owner
Sets their own monthly contribution
Each location decides independently
- Tier 3
Employee
Picks the plan that fits their family
Their policy and their doctors — theirs to keep, at their own cost, if they leave
Plan documents, the employee notices federal rules require, enrollment support, and tracking who is actually covered — for every location, without corporate administering any of it.
A benefits infrastructure, not a benefits department.
A consistent answer for every location
Owners who ask “what do we do about health insurance?” get one vetted answer instead of a dozen different brokers and a dozen different outcomes.
Owners keep control of their own costs
Each location sets its own monthly contribution. A high-volume store can be generous; a new one can start small. Nobody is held to a system-wide number.
A recruiting argument at store level
Being able to offer health benefits can help locations compete for staff, especially in categories where many employers offer none.
Nothing lands on corporate
No payroll access, no plan selection, no enrollment queue, no employee benefit questions routed to your team. Rikor works with each owner directly.
It scales with the system
Adding a location means one more owner running one more setup. There’s no brand-level implementation to repeat as you grow.
Franchisee independence stays clear
Each owner is a separate employer with a separate plan — consistent with how most systems keep the brand out of day-to-day employment decisions.
Worth saying plainly: because each franchisee is a separate employer running a separate plan, this is not a brand-sponsored benefit and shouldn't be described to owners as one. What you're offering is access to a vetted vendor. How you position it is a question for your franchise counsel.
Tell us about your system.
We'll come back with what this would look like for a brand your size — including the parts that don't fit, if they don't.
Want the mechanics first? Read how ICHRA works for franchises. Any owner can also run their own numbers without talking to anyone.