Providing on-line non-downloadable applications for content management in the fields of employee benefits and for the creation of an on-line marketplace for the purchase of employee benefits; providing on-line non-downloadable applications for the management of a marketplace for insurance and non-insurance employment benefits, utilized by consumers, brokers, employers, insurance companies, and other benefit and service providers for the marketing and enrollment of employees and affiliated individuals in benefit programs including insured and non-insured service providers, and communication of benefit related messages and information to employees; providing on-line non-downloadable applications to research insurance and non-insurance employment benefits, quotation of rates and fees, comparison of terms and conditions, and the purchase and enrollment in benefits programs and electronic delivery of enrollment elections, premium payments, payroll deductions, and benefits documents