TAKE THE SMART APPROACH TO TAX-FREE BENEFIT PLANS

Compare - and see why eTRAC Commute is the superior choice

What other tax-free commuter benefits management programs are you considering, or using? Click on any of the following to see a comparison to eTRAC Commute:

Voucher distribution
Employer-administered Cash reimbursement
Monthly pass distribution
Annual pass with a monthly load
Other debit or credit cards

For a customized look at how eTRAC Commute stacks up against your commuter benefits management program, contact us!

Voucher Programs eTRAC Commute
Monthly or quarterly order-taking and fulfillment Self-serve model: HR signs up participants once and after that they manage their own accounts
Physical handling of vouchers, which are like cash No vouchers to handle; participants receive the eTRAC MasterCard® in the mail
Time-consuming management of lost or damaged vouchers
Total time to manage can be upwards of 20 hours per month HR spends only minutes per month transferring participants' files to Benefit Resource
Employees stand in line at staffed transit booths to purchase passes No lines! Participants can use their eTRAC cards at any available transit vending machine or buy passes online from their transit authority
The hassle of no-change policies: employees either lose some of their voucher's value or dig into their pockets to make up the difference Participants buy just what they need; no waste promotes greater usage and tax savings
A lost voucher = lost cash Lost eTRAC Card = guaranteed funds
Vouchers, and the passes they purchase, have expiration dates; employees lose real money eTRAC MasterCard cards are good for the whole year; participants can buy just the fares they need—daily, weekly, monthly
All these hassles lead to lower participation rates Hassle-free approach means higher participation—greater employee satisfaction and more tax savings for everyone
Administration fees based on percentage cost + lower usage = more costs to company Administration fees based on flat fee + higher usage = lower costs to company

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Employer-Administered
Cash Reimbursement		 eTRAC Commute
Participants must gather receipts and hand in to HR for reimbursement No receipts needed. eTRAC card patent-pending software guarantees employee funds are used for qualified expenses only
HR must do the math, keep records & receipts, reimburse participants In few instances where cash reimbursement is necessary (i.e., a parking lot vendor who doesn't accept MasterCard), Benefit Resource handles all of the work directly with employee
Company must handle monthly administration and claim forms Employee self-serve model means company enroll participants just once and after that, they manage their own benefits online with Benefit Resource
Company must stay on top of legal and regulatory requirements Benefit Resource experts handle all legal and regulatory issues
All these hassles lead to lower participation rates Hassle-free approach means higher participation—greater participant satisfaction and more tax savings for everyone

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Monthly Pass Distribution eTRAC Commute
HR must gather and fulfill monthly pass orders No monthly orders to fulfill. Enroll employees just once and Benefit Resource takes over the work
Participants forced into purchasing a monthly pass generally underestimate usage to protect against losing unused funds. Drives down usage and tax savings eTRAC Commute allows participants to purchase just the fares they need—as they need them. Drives up usage and tax savings
Lost monthly pass = lost cash Lost eTRAC Card = guaranteed funds
All these hassles lead to lower participation rates Hassle-free approach means higher participation—greater participant satisfaction and more tax savings for everyone

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Annual Pass
with Monthly Load		 eTRAC Commute
HR must gather and fulfill monthly pass load orders. May need to purchase customized software No monthly orders to fulfill. Enroll employees just once and Benefit Resource takes over the work. No software to purchase or install
Participants forced into purchasing a monthly pass generally underestimate usage to protect against losing unused funds. Drives down usage and tax savings eTRAC Commute allows participants to purchase just the fares they need—as they need them. Drives up usage and tax savings.
Lost pass = lost cash Lost eTRAC Card = guaranteed funds
All these hassles lead to lower participation rates Hassle-free approach means higher participation—greater participant satisfaction and more tax savings for everyone

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Other Card Programs eTRAC Commute
Often require purchase and installation of customized software No software to purchase or install
Daily withdrawals by your administrator can result in higher transaction costs and hassles for you eTRAC Commute withdraws funds only on a pre-scheduled basis (as few as 12 times a year) for lower transaction costs and accounting expenses
Proprietary cards do not have the universal acceptance of MasterCard and limit participants to use with certain transit agencies or parking vendors eTRAC card welcome at approved transportation merchants that accept MasterCard

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