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Compare Jawnt and BRI (Inspira Financial) side by side to see how a commuter-focused benefits provider stacks up against a multi-benefit FSA/HSA platform on tap-to-pay support, enrollment rates, HRIS integrations, and more.
Last updated: April 2026
There are plenty of service providers that offer transportation and commuter benefits to employees — we happen to think Jawnt is the best, but if you're considering other vendors, like BRI (now part of Inspira Financial), keep reading for a few key differentiators.
BRI (Benefit Resource Inc.) has been around since 1993 and was acquired by Millennium Trust Company in 2023, which rebranded as Inspira Financial in 2024. Like many legacy benefits administrators, commuter benefits are one of many products BRI offers alongside FSAs, HRAs, HSAs, COBRA, and lifestyle accounts. When commuter benefits share a platform with a dozen other product lines, they rarely get the investment they deserve, and that attitude filters down to the product and the employee experience.
With Jawnt, improving the commuter experience is our entire mission. Getting your employees where they're going — and making sure they actually use and understand their benefit — is what moves us forward every day. Our clients consistently see enrollment rates climb when they switch from a legacy provider like BRI.
This is the most important difference in the age of modern commuting and hybrid schedules. BRI's Beniversal Prepaid Mastercard is terminal-restricted, and the physical card cannot be used for contactless payments at transit fare gates. As a result, employees in New York City, Boston, Philadelphia, Chicago, or any city with a modern fare payment system cannot tap their BRI card at the turnstile. They're left swiping a physical card or loading a separate transit app — an experience that discourages participation and frustrates daily commuters.
Whether employees choose to use Jawnt's physical commuter card or go completely virtual, the Jawnt Pass debit card is fully tap-to-pay enabled and works with every major transit system nationwide, including OMNY in New York, MBTA in Boston, SEPTA in Philadelphia, ORCA in Seattle, and Clipper in the Bay Area. The Jawnt Pass debit card can easily be added to a smartphone or smartwatch via Apple Pay or Google Pay. For organizations in transit-heavy cities, this difference alone is often the deciding factor.
A commuter benefits program is only as valuable as the number of employees who actually use it. Low enrollment means more pre-tax savings for employees and more FICA savings for your organization. BRI clients frequently struggle with this: in one case, a college with hundreds of employees had only around a dozen enrolled employees.
Jawnt regularly helps employers 2x their enrollment rates, with top employers exceeding 90% commuter benefits participation. With Jawnt, organizations can optimize their benefits program with custom subsidies, comprehensive onboarding materials, proactive employee outreach, and a tap-to-pay card that simplifies paying for the commute. The incremental FICA savings from higher enrollment typically far exceed any difference in platform cost.
BRI offers bilingual support and claims a fast average response time, but their support model is built for a multi-product platform handling FSA claims, HSA questions, and COBRA administration alongside commuter inquiries. For employees who already find commuter benefits confusing, that experience doesn't help.
Jawnt's support team is dedicated entirely to commuter benefits. Whether it's by chat, email, or phone, we're here to help employers and employees alike — with an average ticket resolution time of 15 minutes and an NPS score of 91. Our support extends beyond the Jawnt platform to our transit partners as well: having trouble activating a transit card or understanding a fare cap? We can help with that too.
BRI's primary integration strength is ADP — they're the 2024 ADP Marketplace Partner of the Year and offer deep API connectivity for ADP Workforce Now and ADP TotalSource. For organizations on other HR platforms, integration support may be more limited.
Jawnt integrates with ADP via direct API connection or SFTP, and also connects directly with Gusto, BambooHR, Rippling, TriNet, Workday, Justworks, and more — over 140 HRIS providers in total. If your system isn't on the list, you can simply send us your HR roster via flat file over SFTP, and we'll provide the documentation and server your team needs to keep things running smoothly.
If you're evaluating BRI alternatives for your commuter benefits program, Jawnt offers a purpose-built platform with tap-to-pay card support at every major transit fare gate, dramatically higher enrollment rates, faster dedicated support, and broader HRIS integrations — without the limitations of an ADP-only ecosystem.
Want to learn more about bringing Jawnt to your company? Meet with our team!
