An ICHRA platform describing plan design, employee decision support and administration; outcomes and final service terms require verification.
What role does this company claim?
Publicly described role: ICHRA administrator and plan-selection platform. Zorro describes plan design, broker tools and employee decision support. Its October 6 announcement refers to a recent Ori rollout; it does not establish full general availability or independent savings outcomes.
An ICHRA administrator, a broker, a shopping service and a carrier can each perform different parts of one enrollment. This page identifies the described service and leaves contract-level responsibility open where the source does not establish it.
Which buyer should investigate it?
Employers and brokers evaluating guided individual-plan selection. That is an editorial shortlist hypothesis from the company's public positioning, not a finding that the service works better for this segment than a competitor.
Who owns the operating work?
Ask the provider to identify who owns the first premium, recurring payments, substantiation, payroll reconciliation, employee help and offboarding. A written responsibility map is needed before choosing a service.
What can we establish about fees?
No complete public administrator fee schedule verified. Published administrator fees, where available, are separate from insurance premiums and employer reimbursement allowances. Confirm the billable population, base or minimum, setup and integration charges, broker compensation, renewals and termination terms in one dated proposal.
The next question for a demonstration
Who provides licensed advice, owns the first premium and resolves a carrier-payment or coverage failure?
Give every candidate the same employee census and ask them to show the actual enrollment, payment, exception and support workflow. Do not substitute a selected testimonial or vendor savings illustration for an independent outcome comparison.
Review update
October 30 follow-up adds the October 6 company description of Ori rollout. The original September review remains the starting record.
Sources used in this review
Review dates are recorded for each source above. Company pages are useful for confirming how a product is described, but they do not prove service quality or customer results.