Online market exchange for employee benefits products and services, namely, providing access to market data, pricing information, software, financial calculators and other electronic tools that enable employers to research, review, shop for, compare, provide feedback and community ratings on, select and purchase employee benefit products and services, and that enable benefits product and services providers to quote, to submit bids on employers' Request For Proposal (RFP), to interact with employers or insurance brokers, and to communicate and market employee benefits products and services (such as insurance, retirement, health benefits, welfare, group saving products, benefits plan administration products and/or services) over a global computer and communications networks; online application services that allow employers to administer and manage employee benefits and benefits plans, and that allow employees to elect and manage changes related to their benefit plans and dependents information over a global computer and communications network; and online applications that allow employee benefit service providers (eg, insurance companies) to streamline benefit plan enrollment processes, change management and processing of insurance employees and their dependents, communicate benefit plan information, and manage billing and data over a global computer and communications network