Abstract: Vendor information relating to a plurality of vendors is transmitted to an employer. The vendor information of each vendor includes a respective offering of the vendor, including a description and cost of the offering. A selection of a respective offering of a vendor is received from the employer, including a co-payment amount the employer is willing to contribute. A benefits package is created including the selected offering and the co-payment amount. An invitation to participate in the benefits package is transmitted to an employee of the employer. An acceptance of the invitation to participate in the benefits package is received from the employee. The employer is charged the co-payment amount and the employee is charged an amount equal to the cost of the offering net of the co-payment amount and an order for the offering is created on behalf of the employee.