Rikor contracts with each owner directly. Your team never touches payroll, plan selection, enrollment, or an employee's benefit question.
The structure matters more than the pitch here — this is the part that determines whether a benefits programme creates work for your team or none at all.
Makes the program available across the system
No payroll, no plans, no paperwork at corporate
Sets their own monthly contribution
Each location decides independently
Picks the plan that fits their family
Their policy, their doctors, portable 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.
Owners who ask "what do we do about health insurance?" get one answer instead of twelve different brokers and twelve different outcomes.
Each location sets its own monthly contribution. A high-margin store can be generous; a new one can start small. Nobody is forced into a system-wide number.
In most franchise categories the competition for staff does not offer health benefits at all. Being able to say you do is a hiring advantage your owners feel immediately.
No payroll access, no plan selection, no enrollment queue, no employee benefit questions routed to your team. Rikor contracts with each owner directly.
Adding a location means one more owner running one more setup. There is no per-brand implementation to re-run and nothing that breaks at a hundred units.
Each owner is a separate employer with a separate plan, which matters for the joint-employer questions franchisors are rightly careful about.
One thing worth saying plainly: because each franchisee is a separate employer running a separate plan, this is not a brand-sponsored benefit and should not be described to owners as one. What you are offering is access to a vendor, on terms you have vetted.
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.
If you would rather just see the mechanics first, the model is explained on the homepage and any owner can run their own numbers without talking to anyone.