Providing temporary use of web-based software that provides employers with real-time insights into the financial performance, risk management, risk assessment, and insurance portfolios of benefits that consolidates data from various financial and insurance systems to offer an interface that provides customizable reports, trend analysis, and key performance indicators to track cash flow, claims, and overall financial health; providing temporary use of on-line non-downloadable software that provides employers with real-time insights into the financial performance, risk management, risk assessment, and insurance portfolios of benefits that consolidates data from various financial and insurance systems to offer an interface that provides customizable reports, trend analysis, and key performance indicators to track cash flow, claims, and overall financial health; Platform-as-a-Service (PaaS) services, namely, a financial and analytics platform that provides employers with real-time insights into the financial performance, risk management, risk assessment, and insurance portfolios of benefits that consolidates data from various financial and insurance systems to offer an interface that provides customizable reports, trend analysis, and key performance indicators to track cash flow, claims, and overall financial health; Software-as-a-Service (SaaS) services featuring software that provides employers with real-time insights into the financial performance, risk management, risk assessment, and insurance portfolios of benefits that consolidates data from various financial and insurance systems to offer an interface that provides customizable reports, trend analysis, and key performance indicators to track cash flow, claims, and overall financial health