Defined contribution benefits tool

A defined contribution benefits tool having various embodiments interfaces employers, employees, brokers and benefits suppliers. Suppliers provide product information. An employer creates an employer profile indicating the categories of benefits to offer, which categories are required, which categories the employer will contribute to, and the contribution range for the categories. Based on the profile (and from other available products), a portfolio recommendation that essentially meets the requirements is generated. Based on the portfolio recommendation, the employer chooses a set of products as its benefits portfolio. Employees create an employee profile allocating the total employer contribution among a set of benefit categories. A package recommendation that essentially meets the requirements set forth in the employee's profile is generated. From this recommendation (and from other available products), the employee chooses his or her benefits package.