Systems and method discussed herein relate to the receipt and processing of invoices from benefit providers by an employer. The invoices may be received in varying electronic formats and a database may be populated with key fields from the invoices using a plurality of templates and an application. The application may determine historic and predictive cost effectiveness, compare cost effectiveness between and within benefit providers, determine variances in the number of participants covered, allocate funds including credits from benefit providers, and route allocations for approval and payment to the benefit providers.