A third-party provider which is a vendor for employee benefits package items, (such as health care or insurance). The business may buy services direct from the vendor or through a third-party broker.

Most organizations tend to use a carrier to provide them with employee benefits packages; this is an advantage for many organizations as it saves them to actually find the best employee package to offer; third party providers also tend to provide the best options out there when it comes to employee benefits package; this is therefore the reason why employers choose carriers. They help to find the best options for employers to choose from.