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                                                                   EXHIBIT 10.11

                                   EBENX, INC.
                         EXECUTIVE EMPLOYMENT AGREEMENT

         This Executive Employment Agreement ("Agreement") dated as of September
6, 2000, is made and entered into between eBenX, Inc., a Minnesota corporation,
("the Company") and Jeffrey Rosenblum, an individual resident of the State of
Pennsylvania, ("the Executive").

         WHEREAS, the Executive currently is a senior management employee of
Arbor Administrative Services, Inc. ("Arbor"); and

         WHEREAS, the Company and Arbor have agreed to a transaction whereby
Arbor will merge with and into a subsidiary of the Company (the "Transaction"),
according to the terms of a Merger Agreement dated August 29, 2000 (the "Merger
Agreement"); and

         WHEREAS, according to the terms of the Merger Agreement and by virtue
of his existing employment relationship with Arbor, consummation of the
Transaction will result in significant economic benefit to the Executive; and

         WHEREAS, because of the importance of the employment, non-competition,
non-solicitation and invention assignment provisions of this Agreement, the
Company has conditioned its obligation to consummate the Transaction, in part,
on the execution and delivery of this Agreement by the Executive; and

         WHEREAS, following the closing of the Transaction, the Company desires
to employ the Executive as an executive management employee and the Executive
desires to be employed by Employer, according to the terms of this Agreement.

         NOW, THEREFORE, in consideration of the promises and the respective
undertakings of the Company and the Executive set forth below, the Company and
the Executive agree as follows:

Article 1 Definitions. Capitalized terms in this Agreement shall have their
defined meaning throughout the Agreement. The following terms shall have the
meaning set forth below, unless the context clearly requires otherwise.

                  1.01 Board. "Board" shall mean the Board of Directors of the
         Company.

                  1.02 Cause. "Cause" shall mean termination by the Company of
         the Executive's employment based upon: (i) the Executive's willful
         misconduct, dishonesty, or other material violation of law or Company
         policies; or (ii) actions (or failures to act) by the Executive in bad
         faith and to the detriment of the Company.

                  1.03 Change in Control. A "Change in Control" of the Company
         shall be deemed to have occurred if:

                           (a) Any "person" (as such term is used in Sections
                  13(d) and 14(d)(2) of the Securities Exchange Act of 1934, as
                  amended (the "Exchange Act")) who did not own shares of the
                  capital stock of the Company on the date of this Agreement
                  shall, together with his, her or its "Affiliates" and
                  "Associates" (as such terms are defined in Rule 12b-2
                  promulgated under the Exchange Act), becomes the "Beneficial
                  Owner" (as such term is defined in Rule 13d-3 promulgated
                  under the Exchange Act), directly or indirectly, of securities
                  of the Company representing fifty percent 50% or more of the
                  combined voting power of the Company's then outstanding
                  securities (any such person being hereinafter referred to as
                  an "Acquiring Person");
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                           (b) The "Continuing Directors" (as hereinafter
                  defined) shall cease to constitute a majority of the Board;

                           (c) There should occur (i) any consolidation or
                  merger involving the Company and the Company shall not be the
                  continuing or surviving corporation or the shares of the
                  Company's capital stock shall be converted into cash,
                  securities or other property; provided, however, that this
                  subclause (i) shall not apply to a merger or consolidation in
                  which (A) the Company is the surviving corporation and (B) the
                  shareholders of the Company immediately prior to the
                  transaction have the same proportionate ownership of the
                  capital stock of the surviving corporation immediately after
                  the transaction; (ii) any sale, lease, exchange or other
                  transfer (in one transaction or a series of related
                  transactions) of all or substantially all of the assets of the
                  Company; or (iii) any liquidation or dissolution of the
                  Company; or

                           (d) The number of directors on the Board exceeds nine
                  (9).

                           In the case of a Change in Control as described in
                  Subsections (c)(i) or (ii), the Options will be assumed by the
                  surviving or acquiring corporation as the case may be.

                  1.04 Confidential Information. "Confidential Information"
         shall mean information that is proprietary to the Company or any of its
         affiliates, or to others and is entrusted to the Company, whether or
         not trade secrets. Confidential Information includes, but is not
         limited to, information relating to designs, software (in source and
         object code), technology strategies, business plans as to the business
         as conducted or anticipated to be conducted by the Company or any of
         its affiliates, and to past or current or anticipated products or
         services of the Company or any of its affiliates. Confidential
         Information also includes, without limitation, information concerning
         the Company's or any Company affiliate's research, development,
         purchasing, accounting, marketing, selling, and services. All
         information that the Executive has a reasonable basis to consider
         confidential is Confidential Information, whether or not originated by
         the Executive and without regard to the manner in which the Executive
         obtains access to it.

                  1.05 Continuing Director. "Continuing Director" shall mean any
         person who is a member of the Board, while such person is a member of
         the Board, who is not an Acquiring Person, an Affiliate or Associate of
         an Acquiring Person or a representative of an Acquiring Person or of
         any such Affiliate or Associate and who (i) was a member of the Board
         on the date hereof or (ii) subsequently became a member of the Board,
         upon the nomination or recommendation, or with the approval of, a
         majority of the Continuing Directors.

                  1.06 Disability. "Disability" shall mean the Executive's
         inability to perform the essential functions of the Executive's
         position, with or without reasonable accommodation, provided the
         Executive has exhausted his entitlement to any applicable leave, if the
         Executive desires to take and satisfies all eligibility requirements
         for such leave.

                  1.07 Effective Date. "Effective Date" shall mean the date on
         page one hereof.

                  1.08 Good Reason. "Good Reason" shall mean the occurrence of
         any of the following events, except for the occurrence of such an event
         in connection with the termination of the Executive's employment by the
         Company for Cause, for Disability, or for death: (a) a material
         reduction in the Executive's duties and/or responsibilities; (b) a
         material reduction in the Executive's total compensation, taking into
         account the total amount of the Executive's salary, bonus target
         percentage, and stock option grants and vesting; (c) a requirement that
         the Executive relocate the Executive's primary permanent place of work
         more than twenty (20) miles from Center City Philadelphia, Pennsylvania
         (which shall include its current offices in King of Prussia,
         Pennsylvania).

                  1.09 Inventions. "Inventions" shall mean ideas, improvements,
         and discoveries, whether or not such are patentable or copyrightable,
         and whether or not in writing or reduced to practice.

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                  1.10 Term. "Term" shall mean the period commencing on the
         Effective Date and ending on the third anniversary of the Effective
         Date.

                  1.11 Works of Authorship. "Works of Authorship" shall mean any
         writings, drawings, diagrams, charts, tables, databases, software (in
         object or source code and recorded on any medium), and any other works
         of authorship, whether or not such are copyrightable.

Article 2 At Will Employment, Duties.

                  2.01 Service With The Company. Under the terms and conditions
         set forth herein, the Company hereby employs the Executive as President
         - Mid Market, and the Executive accepts such employment. The Executive
         will report directly to the Company's Chief Executive Officer.

                  2.02 Performance of Duties.

                           (a) The Executive shall be primarily responsible for
                  managing the day-to-day operations of middle-market
                  administration services; provided that, the Executive shall
                  perform such other duties as the Chief Executive Officer of
                  the Company shall assign him from time to time which are
                  consistent with the responsibility typically performed by
                  Senior Vice Presidents of the Company and the terms and
                  conditions of this Agreement. The Executive agrees to serve
                  the Company faithfully and to the best of the Executive's
                  ability and to devote the Executive's full-time, attention,
                  and efforts to the business and affairs of the Company during
                  the term of the Executive's employment. The Executive hereby
                  confirms that he is under no contractual commitments
                  inconsistent with the Executive's obligation set forth in this
                  Agreement and that, during the Term, the Executive will not
                  render or perform any services for compensation for any other
                  corporation, firm, entity, or person.

                           (b) The Executive agrees not to engage in any other
                  work or occupation if such work or occupation involves a
                  direct or indirect conflict of interest or derogates from his
                  ability to perform his obligations under Sections 2.01 and
                  2.02(a) above in particular or this Agreement in general. The
                  Executive shall not be precluded from making passive
                  investments in other corporations, organizations and/or
                  projects; provided that the Executive shall not take an active
                  part in the routine management of any such corporation,
                  organization or project without the prior written consent of
                  the Company, which may be withheld in the sole discretion of
                  the Company but may serve as a member of the board of
                  directors or advisory board member of a corporation or other
                  organization but only with the prior written consent of the
                  Company, which will not be unreasonably withheld; and
                  provided, further that the sphere of activity of those
                  corporations, organizations or projects do not engage in or
                  otherwise constitute a Competing Business Activity (as defined
                  in Section 6.01 hereof) and the Executive does not otherwise
                  have a conflict of interest with his obligations under this
                  Agreement.

Article 3 Compensation and Benefits.

                  3.01 Base Salary. As base compensation for all services to be
         rendered by the Executive under this Agreement during the Term, the
         Company shall pay to the Executive an annualized salary of one hundred
         and seventy-five thousand dollars ($175,000) ("Base Salary"). The Base
         Salary shall be paid in accordance with the Company's normal payroll
         procedures and policies, as such procedures and policies may be
         modified from time to time. The Executive shall be eligible for
         adjustments in the Base Salary in accordance with the policies and
         procedures applicable to the Company's executive management employees.

                  3.02 Incentive Compensation. The Company shall make the
         Executive eligible to earn an annual bonus payment. Earning an annual
         bonus payment will be subject to the Executive achieving certain
         objectives set annually by the Board, as well as any terms and
         conditions the Company may establish from time to time. Subject to the
         foregoing, the Executive's target bonus for each year of the Term will
         be seventy-five thousand dollars ($75,000).

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                  3.03 Equity Participation. During the Term, the Compensation
         Committee of the Board of Directors may, in its sole discretion,
         determine to make the Executive eligible to receive options to purchase
         the Company's common stock, subject to the terms and conditions of the
         Company's stock option plan ("the Plan") and any stock option agreement
         to signed pursuant to the Plan.

                  3.04 Participation in Benefits. During his employment, the
         Executive shall be entitled to participate in the employee benefits
         offered generally by the Company to its senior management employees, to
         the extent that the Executive's position, tenure, salary, health, and
         other qualifications make the Executive eligible to participate. The
         Executive's participation in such benefits shall be subject to the
         terms of the applicable plans, as the same may be amended from time to
         time. The Company does not guarantee the adoption or continuance of any
         particular employee benefit plan during the Executive's employment, and
         nothing in this Agreement is intended to, or shall in any way restrict
         the right of the Company to amend, modify, or terminate any of its
         benefits at any time.

                  3.05 Board Visitation Rights. During the term of this
         Agreement, the Executive shall have the right to be present in person
         or by telephone at all meetings of the Company's Board and the Company
         shall provide the Executive with advance notice of all such meetings
         and all materials distributed to the Board as if the Executive was a
         member of the Board.

Article 4 Term; Termination.

                  4.01 Term. Unless earlier terminated, this Agreement shall
         remain in effect for the duration of the Term. If the Company and Arbor
         do not effect the Transaction contemplated by the Merger Agreement,
         this Agreement will become null and void, and have no further effect.
         If the Company and the Executive mutually agree to continue the
         Executive's employment beyond the end of the Term, the parties may do
         so according to a written agreement setting forth mutually agreeable
         terms and conditions of employment.

                  The Executive acknowledges that his employment by the Company
         is "at will." Subject to the notice periods and termination payment
         provisions set forth in this Article 4, this Agreement and the
         Executive's employment may terminate at any time during the Term, as
         set forth below:

                  4.02 Termination Due to the Executive's Death or Total
         Disability. This Agreement and the Executive's employment shall
         terminate immediately upon the Executive's death or the Executive's
         Disability.

                  4.03 Termination of Employment by The Company. The Company may
         terminate this Agreement and the Executive's employment at any time and
         for any reason, to be effective upon the date stated in the written
         notice of termination the Company provides the Executive.

                  4.04 Termination of Employment By the Executive. The Executive
         may terminate this Agreement and resign his employment at any time and
         for any reason, by giving written notice thereof to the Chief Executive
         Officer at least thirty (30) days prior to the effective date of
         resignation. Upon the Executive providing the Company with written
         notice of his resignation, the Company may at its option elect to have
         the Executive cease to provide services immediately; provided that, the
         Executive shall be paid his Base Salary and any other compensation to
         which he becomes entitled during that notice period.

                  4.05 Termination by Mutual Agreement. Notwithstanding Section
         4.01 above, the parties may terminate this Agreement at any time and
         upon any other terms or conditions by mutual written agreement.

                  4.06 Compensation Upon Termination. Except as is expressly
         stated in Section 4.07 ("Termination of Employment Following a Change
         In Control"), if the Executive's employment ends and this Agreement
         terminates for any reason described in Sections 4.02 through 4.04, the
         Company's sole and exclusive obligations to the Executive are as
         follows:

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                           (a) Upon any termination of the Executive's
                  employment, within ten (10) days after the termination date,
                  Company's shall pay the Executive (i) his Base Salary earned
                  through the date of termination, together with any other
                  earned and unpaid amounts of accrued vacation pay or sick
                  leave, and (ii) any reimbursement for any business expenses
                  that may be owing the Executive under the Company's policies.

                           (b) If the Company terminates the Executive for Cause
                  or if the Executive terminates his employment without Good
                  Reason the Company's only obligation shall be to pay the
                  Executive the sums called for under Section 4.06(a). All
                  unvested option shares, if any, will be canceled immediately,
                  and the Company will have no further obligations to the
                  Executive under this Agreement.

                           (c) If the Company terminates the Executive's
                  employment for a reason other than Cause, or if the Executive
                  terminates his employment for Good Reason, the Company shall
                  pay the Executive the sums called for under Section 4.06(a).
                  In addition, the Company will:

                           (i) As a severance payment, pay the Executive six (6)
                           months of his then current Base Salary, to be paid
                           according to the Company's standard payroll practices
                           and payroll schedule, commencing on the first payroll
                           date following the termination date; and

                           (ii) Accelerate the vesting of fifty percent (50%) of
                           the Executive's unvested option shares, such that
                           those shares vest on the termination date. The
                           remaining 50% of any unvested option shares will be
                           canceled as of the termination date.

                           (d) The Company shall continue to pay or reimburse
                  the Executive's premiums for health coverage accorded to the
                  Executive under Section 3.04 hereof during any period of
                  salary continuation pursuant to subclause (c), above. In the
                  event that any payment or benefit required to be made by
                  Company under this Section 4.06, either alone or in
                  combination with any other payment or benefit the Executive is
                  then entitled to receive, would constitute a "parachute
                  payment" (under Section 280(g) of the Internal Revenue Code),
                  the Company and Executive will negotiate in good faith a
                  modification of this Section with the intention of maximizing
                  the Executive's net after tax benefit, while at the same time
                  not adversely affecting the Company.

                           (e) The Company shall have no duty or obligation to
                  employ the Executive following any such termination by the
                  Company or the Executive.

                  4.07 Termination of Employment Following a Change in Control.
         Notwithstanding any provision in this Section 4, if the Company
         terminates the Executive's employment within 90 days prior to the
         execution of a definitive agreement that results in a Change of Control
         or during the one (1) year period following a Change in Control, other
         than for Cause, or if the Executive terminates his employment for Good
         Reason, and if any such termination is effective prior to the end of
         the one (1) year period described herein, the Company's exclusive
         obligations to the Executive are as follows:

                  (a)      The Company shall pay the Executive the sums called
                           for under Section 4.06(a);

                  (b)      In addition, the Company will:

                           (i) As a severance payment, pay the Executive the
                           Base Salary in effect at the termination date for a
                           period of one (1) year, to be paid according to the
                           Company's standard payroll practices and payroll
                           schedule, commencing on the first payroll date
                           following the termination date; and

                           (ii) Accelerate the vesting of one hundred percent
                           (100%) of the Executive's unvested option shares,
                           such that those shares will vest on the termination
                           date.

                  4.08 Survival. The provisions of Article 4 (relating to
         termination rights and the provision of compensation and benefits
         beyond the termination of this Agreement) shall survive termination of
         this

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         Agreement for any reason. The provisions of Article 5 (relating to
         confidential information and intellectual property rights of the
         Company), the provisions of Article 6 (relating to non-competition, no
         raiding, and non-solicitation), the provisions of Article 7 (relating
         to dispute resolution) and the provisions of Article 8 (relating to
         miscellaneous terms and conditions) shall survive the expiration of the
         term of this Agreement and the termination of this Agreement for any
         reason.

Article 5 Confidential Information; Intellectual Property.

                  5.01 Prohibitions Against Unauthorized Use. For so long as he
         is employed by the Company and at all times thereafter, the Executive
         shall not use or disclose, other than in connection with the
         Executive's employment with the Company, any Confidential Information
         to any person not employed by the Company or not authorized by the
         Company to receive such Confidential Information, without the prior
         written consent of the Company. The Executive shall use prudent care to
         safeguard and prevent the unauthorized use and disclosure of
         Confidential Information.

                  5.02 Exclusions. The Executive's obligations under Section
         5.01 above shall not apply to any information that: (a) is now or
         becomes generally available to the public through no fault of the
         Executive; (b) was already known to the Executive, as shown by his
         books and records, prior to disclosure of same by the Company; (c) is
         or was independently developed or acquired by the Executive without any
         use of or reliance on Confidential Information; (d) is or was provided
         to the Executive by a third party not under any obligation of
         confidentiality to the Company; or (e) is required to be disclosed by
         law, provided, however, the Executive shall render reasonable
         cooperation, at the Company's expense, to lawfully prevent or minimize
         any such public disclosure of Confidential Information through
         protective orders or other similar matters.

                  5.03 Ownership and Return of Company Property. All
         Confidential Information or other Company property in the Executive's
         possession, custody, or control, including, without limitation, all
         documents, reports, manuals, business plans, minutes, memoranda,
         computer software, computer databases, computer print-outs, member or
         customer lists, credit cards, keys, identification, products, access
         cards, and all other tangible or intangible property relating in any
         way to the business of the Company, are the exclusive property of the
         Company, even if the Executive authored, created, or assisted in
         authoring or creating such property. The Executive shall return to the
         Company all Confidential Information or other Company property within
         his possession, custody or control immediately upon his termination of
         his employment or at such earlier time as the Company requests.

                  5.04 Disclosure and Assignment of Inventions and Other Works.
         The Executive shall communicate to the Company as promptly and fully as
         practicable all Inventions which are conceived or reduced to practice
         by the Executive (alone or jointly with others) (1) at any time during
         the Executive's employment by the Company, or (2) within one (1) year
         following the date on which the Executive ceases to be employed by the
         Company (without regard to the reason for the cessation or whether such
         cessation is occasioned by the Executive or the Company). The Executive
         hereby assigns to the Company and/or its nominees, all of the
         Executive's right, title, and interest in such Inventions, and all of
         the Executive's right, title, and interest in any patents, copyrights,
         patent applications or copyright applications based thereon. The
         Executive shall assist the Company and/or its nominees (without charge
         but at no expense to the Executive) at any time and in every proper way
         to obtain for its and/or their own benefits, patents and copyrights for
         all such Inventions anywhere in the world and to enforce its and/or
         their rights in legal proceedings.

                           (a) Any provision in this Section 5.04 requiring the
                  Executive to assign the Executive's rights in any Invention
                  does not apply to an Invention that qualifies for exclusion
                  under the provisions of Minnesota Statute ss. 181.78. That
                  section provides that the requirement to assign "does not
                  apply to an invention for which no equipment, supplies,
                  facility or trade secret information of the Company was used
                  and which was developed entirely on the employee's own time,
                  and (i) which does not relate (a) directly to the business of
                  the Company or (b) to the Company's actual or demonstrably
                  anticipated research or development, or (ii) which does not
                  result from any work performed by the employee for the
                  Company." The Executive understands

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                  that the Executive bears the burden of proving that an
                  Invention qualifies for exclusion under Minnesota Statute ss.
                  181.78.

                           (b) The Executive hereby irrevocably designates and
                  appoints the Company and each of its duly authorized officers
                  and agents as the Executive's agent and attorney-in-fact to
                  act for and in the Executive's behalf and stead to execute and
                  file any document and to do all other lawfully permitted acts
                  to further the prosecution, issuance, and enforcement of
                  patents, copyrights and other proprietary rights with the same
                  force and effect as if executed and delivered by the
                  Executive.

                           (c) The Executive will keep complete and accurate
                  notes, data, and records of all Inventions assigned to the
                  Company in the manner and form requested by the Company. Such
                  notes, data, and records will be the property of the Company,
                  and, upon its request, the Executive will promptly surrender
                  them to it.

                           (d) The Executive has listed on Exhibit A attached to
                  this Agreement all Inventions and ideas to which the Executive
                  claims an interest, or has assigned or transferred interest in
                  to a previous employer or third party, as a result of events
                  occurring before the commencement of the Executive's
                  employment by the Company.

Article 6 Non-Competition, No Raid, and Non-Solicitation Covenants.

                  6.01 Non-Competition Covenant. Subject to Section 6.02 below,
         during the "Restricted Period" (as defined below), the Executive shall
         not, directly or indirectly, engage in any business activity (a
         "Competing Business Activity") on his own behalf or as a partner,
         shareholder, director, trustee, principal, agent, officer, employee,
         consultant, or otherwise of any person or entity the business of which
         is the same as, similar to, or competitive with any business of the
         Company, or which is engaged in the development or production of
         products intended to compete with the Company, or assist, solicit,
         entice, or induce any other person to engage in any such activity. For
         purposes hereof, "shareholder" shall not include beneficial ownership
         of less than five percent (5%) of the combined voting power of all
         issued and outstanding voting securities of a publicly-held corporation
         whose stock is traded on a major stock exchange or quoted on NASDAQ.

                  6.02 Company's Option to Revise. At its sole option, the
         Company may, by written notice to the Executive, after the termination
         of the Executive's employment, waive or limit the line of business,
         duration of, and/or geographic area in which the Executive is
         prohibited from engaging in competitive activity under Section 6.01
         above.

                  6.03 Covenant Not to Recruit. The Executive hereby
         acknowledges that the Company's employees, consultants, and other
         contractors constitute vital and valuable aspects of its business and
         missions on a world-wide basis. In recognition of that fact, during the
         "Restricted Period," the Executive shall not solicit, or assist anyone
         else in the solicitation of, any of the Company's then current
         employees, consultants, or other vendors or contractors to terminate
         their respective relationships with the Company and to become
         employees, consultants, or contractors of any enterprise with which the
         Executive may then be associated, affiliated, or connected. Neither
         shall the Executive do anything intended to interfere with or which has
         the affect of interfering with, any relationship between the Company
         and any of its employees, consultants, vendors or contractors.

                  6.04 Covenant Not to Solicit. The Executive hereby
         acknowledges that the Company's customers constitute vital and valuable
         aspects of its business on a world-wide basis. In recognition of that
         fact, during the Restricted Period, the Executive shall not solicit, or
         assist anyone else in the solicitation of, any of the Company's then
         current customers to terminate their respective relationships with the
         Company and to become customers of any enterprise with which the
         Executive is in any way associated, affiliated, or connected. Neither
         shall the Executive do anything intended to interfere with or which has
         the affect of interfering with, any relationship between the Company
         and any of its current or potential customers.

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                  6.05 Restricted Period. For purposes of this Article 6, the
         "Restricted Period" shall be the period commencing on the Effective
         Date and ending eighteen (18) months after the termination of the
         Executive's employment by the Company (without regard to the reason for
         termination and whether the termination is occasioned by the Company or
         the Executive); provided, however, that if the Company terminates the
         Executive's employment without Cause or the Executive terminates his
         employment for Good Reason, the Restricted Period applicable to Section
         6.01 shall end twelve (12) months after the termination of the
         Executive's employment with the Company. In such a circumstance,
         however, the Restricted Period applicable to the Executive's
         obligations under Section 6.03 and 6.04 will remain as first defined
         above.

Article 7 Dispute Resolution.

                  7.01 Procedure for Arbitration. Except as provided in Section
         8.07 of this Agreement, any dispute arising out of or relating to this
         Agreement or the alleged breach of it, or the making of this Agreement,
         including claims of fraud in the inducement, or any dispute arising
         from or related in any way to the Executive's employment, including any
         statutory or tort claims, which has not been settled through
         negotiation within a period of sixty (60) days after the date on which
         either party shall first have notified the other party in writing of
         the existence of a dispute, shall be settled by final and binding
         arbitration pursuant to the provisions of this Agreement and under the
         then applicable arbitration rules of the American Arbitration
         Association ("AAA"), unless such rules are inconsistent with the
         provisions of this Agreement. Any such arbitration shall be conducted
         by: (a) neutral arbitrator appointed by mutual agreement of the
         parties; or (b) failing such agreement, in accordance with said AAA
         rules. The arbitrator shall be an experienced attorney with a
         background in employment law. An arbitral award may be enforced in any
         court of competent jurisdiction. Each party shall be permitted
         reasonable discovery, including the production of relevant documents by
         the other party, the exchange of witness lists, and a limited number of
         depositions, including depositions of any expert who will testify at
         the arbitration. The parties may bring motions for summary judgment in
         any arbitration proceeding conducted pursuant to this Agreement, and
         the provisions of Minn. R. Civ. P. 56 will apply to and govern any
         motions for summary judgment.

Article 8 General Provisions.

                  8.01 Governing Law. This Agreement is made under and shall be
         governed by and construed in accordance with the laws of the State of
         Minnesota without regard to conflicts of laws principles thereof.

                  8.02 Prior Agreements. This Agreement (including other
         agreements specifically mentioned in this Agreement) together with that
         certain lock-up agreement entered into between the Executive and the
         Company contains the entire agreement of the parties relating to the
         employment of the Executive by the Company and the other matters
         discussed herein and it supercedes all prior promises, contracts,
         agreements, and understandings of any kind, whether express or implied,
         oral or written, with respect to such subject matter (including, but
         not limited to, any promise, contract, or understanding, whether
         express or implied, oral or written, by and between the Company and the
         Executive) and the parties hereto have made no agreements,
         representations, or warranties relating to the subject matter of this
         Agreement which are not set forth herein or in the other agreements
         mentioned herein.

                  8.03 Withholding Taxes. The Company may take such action as it
         deems appropriate to ensure that all applicable federal, state, city,
         and other payroll, withholding, income, or other taxes arising from any
         compensation, benefits, or any other payments made pursuant to this
         Agreement, or any other contract, agreement, or understanding which
         relates, in whole or in part, to the Executive's employment with the
         Company, are withheld or collected from the Executive.

                  8.04 Amendments. No amendment or modification of this
         Agreement shall be deemed effective unless made in writing and signed
         by the Executive and the Company.

                  8.05 No Waiver. No term or condition of this Agreement shall
         be deemed to have been waived, nor shall there be any estoppel to
         enforce any provisions of this Agreement, except by a statement

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         in writing signed by the party against whom enforcement of the waiver
         or estoppel is sought. Any written waiver shall not be deemed a
         continuing waiver unless specifically stated, shall operate only as to
         the specific term or condition waived, and shall not constitute a
         waiver of such term or condition for the future, or as to any act other
         than as specifically set forth in the waiver.

                  8.06 Assignment. This Agreement shall not be assignable, in
         whole or in part, by any party without the written consent of the other
         party; provided, however, that the Company may, without the consent of
         the Executive, assign its rights and obligations under this Agreement
         to any corporation, firm, or other business entity with or into which
         the Company may merge or consolidate, or to which the Company may sell
         or transfer all or substantially all of its assets, or of which fifty
         percent (50%) or more of the equity investment and of the voting
         control is owned, directly or indirectly, by, or is under common
         ownership with, the Company. After any such assignment by the Company,
         the Company shall be discharged from all further liability hereunder
         and such assignee shall thereafter be deemed to be the Company for the
         purposes of all provisions of this Agreement including this Section
         8.06.

                  8.07 Injunctive Relief. The Executive acknowledges and agrees
         that the services to be rendered by the Executive hereunder are of a
         special, unique, and extraordinary character, that it would be
         difficult to replace such services and that any breach or threatened
         breach of the covenants in Article 6 of this Agreement would be highly
         injurious to the Company and that it would be extremely difficult to
         compensate the Company fully for damages for any such violation.
         Accordingly, the Executive specifically agrees that the provisions of
         Article 7 notwithstanding, the Company shall be entitled to temporary
         and permanent injunctive relief to enforce the provisions of the
         covenants of Article 6 of this Agreement, and that such relief may be
         granted without the necessity of proving actual damages and without
         necessity of posting any bond. This provision with respect to
         injunctive relief shall not, however, diminish the right of the Company
         to claim and recover damages, or to seek and obtain any other relief
         available to it at law or in equity, in addition to injunctive relief.

                  8.08 Construction, Severability. Where ever possible, each
         provision of this Agreement shall be interpreted in such manner as to
         be effective and valid under applicable law, but if any provision of
         this Agreement shall be prohibited by or invalid under applicable law,
         such provision shall be ineffective only to the extent of such
         prohibition or invalidity without invalidating the remainder of such
         provision or the remaining provisions of this Agreement. In furtherance
         of and not in limitation of the foregoing, the parties agree that,
         should the duration of, geographical extent of, or business activities
         covered by, any provision of this Agreement be in excess of that which
         is valid or enforceable under applicable law in a given jurisdiction,
         then such provision, as to such jurisdiction only, shall be construed
         to cover only that duration, extent, or activities that may validly or
         enforceably be covered. The Executive acknowledges the uncertainty of
         the law in this respect and expressly stipulates that this Agreement
         shall be construed in a manner that renders its provisions valid and
         enforceable to the maximum extent (not exceeding its express terms)
         possible under applicable law in each applicable jurisdiction.

                  8.09 Captions. The various headings or captions in this
         Agreement are for convenience only and shall not affect the meaning or
         interpretation of this Agreement.

IN WITNESS WHEREOF, the parties have executed this Agreement as of the date set
forth in the first paragraph.

                         EBENX, INC.

                         By  /s/ John J. Davis
                             ---------------------------------------------------
                         Its President, Chief Executive Officer and Director
                             ---------------------------------------------------

                             /s/ Jeffrey Rosenblum
                             ---------------------------------------------------
                             Jeffrey Rosenblum

                                       9<PAGE>

                                                                   EXHIBIT 10.15

                          REGISTRATION RIGHTS AGREEMENT

         THIS REGISTRATION RIGHTS AGREEMENT, dated as of September 6, 2000 is
entered into by and among eBenX, Inc., a Minnesota corporation ("Parent"), Jeff
Rosenblum ("Rosenblum"), and the entities and persons set forth under the
heading "Shareholders" and Warrantholders on Exhibit A to this Agreement
(including Rosenblum, the "Holders").

         WHEREAS, Parent has entered into an Agreement and Plan of Merger, dated
as of August 29, 2000 (the "Merger Agreement"), with Arbor Administrative
Services, Inc., a Delaware corporation (the "Company") and Rosenblum, a
shareholder of the Company, whereby the Company will merge (the "Merger") with
and into Arkansas Acquisition Corp., a Minnesota corporation and a wholly owned
subsidiary of Parent ("Merger Sub");

         WHEREAS, upon closing of the Merger, Parent will issue shares of its
common stock to the Shareholders (the "Merger Common Shares") and warrants to
purchase shares of its common stock (the "Merger Warrant Shares," and together
with the Merger Common Shares, the "Merger Shares") to the Warrantholders in
partial consideration of the Merger and such Merger Shares will be issued
without registration under the Securities Act; and

         WHEREAS, Parent and the Holders desire to provide for certain
arrangements with respect to the registration of the Merger Shares under the
Securities Act.

         NOW, THEREFORE, in consideration of the mutual promises and covenants
contained in this Agreement, the parties hereto agree as follows:

         1. Registration Rights.

         (a) Certain Definitions. As used in this Agreement, the following terms
shall have the following respective meanings:

                  "Commission" means the Securities and Exchange Commission, or
         any other Federal agency at the time administering the Securities Act
         (as defined herein).

                  "Common Stock" means the common stock, $.01 par value per
         share, of Parent.

                  "Exchange Act" means the Securities Exchange Act of 1934, as
         amended, or any similar Federal statute, and the rules and regulations
         of the Commission issued under such act, as they each may, from time to
         time, be in effect.

                  "Registration Statement" means a registration statement filed
         by Parent with the Commission for a public offering and sale of Common
         Stock (other than a registration statement on Form S-8 or Form S-4, or
         their successors, or any other form for a similar limited purpose, or
         any registration statement covering only securities proposed to be
         issued in exchange for securities or assets of another corporation).

                  "Registration Expenses" means the expenses described in
         Section 6.

                  "Registrable Shares" means (i) the Merger Shares, and (ii) any
         other shares of Common Stock issued in respect of such shares (because
         of stock splits, stock dividends, reclassifications, recapitalizations,
         or similar events); provided, however, that shares of Common Stock
         which are Registrable Shares shall cease to be Registrable Shares upon
         any sale pursuant to a Registration Statement or Rule 144 under the
         Securities Act.

                  "Securities Act" means the Securities Act of 1933, as amended,
         or any similar Federal statute, and the rules and regulations of the
         Commission issued under such act, as they each may, from time to time,
         be in effect.
<PAGE>

         2. Required Registrations.

         (a) A Holder or Holders owning or controlling a majority of the Merger
Shares may request Parent, in writing, to effect the registration on Form S-3
(or such successor form), of Registrable Shares; provided, that Parent shall
have no obligation to file such Registration Statement until such time as Parent
is eligible to file a Registration Statement on Form S-3 (or any successor form
relating to secondary offerings). Upon receipt of any such request, Parent shall
promptly give written notice of such proposed registration to all Holders. Such
Holders shall have the right, by giving written notice to Parent within 20 days
after Parent provides its notice, to elect to have included in such registration
such of their Registrable Shares as will not be subject to the transfer
restrictions set forth in Section 12 hereof in the case of Holders other than
Rosenblum, and as will not be subject to restrictions on transfer pursuant to
that certain Lock-Up Agreement, dated the date hereof, by and between Parent and
Rosenblum in the case of Rosenblum, in each case during the period of time such
registration statement will remain effective pursuant to Section 5 hereof, as
such Holders may request in such notice of election.

         (b) At any time after 180 days following the closing of the Merger a
Holder or Holders owning or controlling a majority of the Merger Shares may
request Parent, in writing, to effect the registration on Form S-3 (or such
successor form), of Registrable Shares having an aggregate market value as of
the date of such request of at least $500,000; provided, that Parent shall have
no obligation to file such Registration Statement until such time as Parent is
eligible to file a Registration Statement on Form S-3 (or any successor form
relating to secondary offerings). Upon receipt of any such request, Parent shall
promptly give written notice of such proposed registration to all Holders. Such
Holders shall have the right, by giving written notice to Parent within 20 days
after Parent provides its notice, to elect to have included in such registration
such of their Registrable Shares as will not be subject to the transfer
restrictions set forth in Section 12 hereof in the case of Holders other than
Rosenblum, and as will not be subject to restrictions on transfer pursuant to
that certain Lock-Up Agreement, dated the date hereof, by and between Parent and
Rosenblum in the case of Rosenblum, in each case during the period of time such
registration statement will remain effective pursuant to Section 5 hereof, as
such Holders may request in such notice of election.

         (c) Parent shall not be required to effect (i) more than one
registration pursuant to paragraph (a) above, (ii) more than three registrations
pursuant to paragraph (b) above or (iii) more than two registrations pursuant to
paragraphs (a) or (b) above in any one twelve-month period.

         (d) If at the time of any request to register Registrable Shares
pursuant to this Section 2, Parent is engaged or has fixed plans to engage
within 30 days of the time of the request in a registered public offering as to
which the Holders may include Registrable Shares pursuant to Section 3 or is
engaged in any other activity which, in the good faith determination of Parent's
Board of Directors, would be adversely affected by the requested registration to
the material detriment of Parent, then Parent may at its option direct that such
request be delayed for a period not in excess of sixty days from the effective
date of such offering or the date of commencement of such other material
activity, as the case may be, such right to delay a request to be exercised by
Parent not more than twice in any twelve-month period.

         (e) Notwithstanding anything to the contrary contained herein, at any
time within thirty (30) days after receiving a demand for registration pursuant
to subsections (a) or (b) hereof, Parent may elect to effect an underwritten
primary registration in lieu of the requested registration, provided that all
Registrable Securities for which registration was requested are included in such
registration. If Parent so elects, Parent shall give prompt written notice to
all holders of Registrable Securities of its intent to effect such a
registration and shall afford such holders the rights contained in Section 3
with respect to "incidental" registrations.

         3. Incidental Registration.

         (a) Whenever Parent proposes to file a Registration Statement (other
than pursuant to Section 2) to register shares of its common stock at any time
and from time to time, it will, prior to or promptly after such filing, give
written notice to all Holders of its intention to do so and, upon the written
request of a Shareholder or Holders given within 20 days after Parent provides
such notice (which request shall state the number of Registrable

                                       2
<PAGE>

Securities to be included in such registration), Parent shall use its best
efforts to cause all such Registrable Shares to be included in such registration
on the same terms and conditions as the common stock otherwise being sold in
such registration; provided that Parent shall have the right to postpone or
withdraw any registration effected pursuant to this Section 3 without obligation
to any Shareholder.

         (b) In connection with any registration under this Section 3 involving
an underwriting, Parent shall not be required to include any Registrable Shares
in such registration unless the holders thereof accept the terms of the
underwriting as agreed upon between Parent and the underwriters selected by it,
provided terms of the underwriting are consistent with this Agreement.

         4. Limited Participation. If any Registrable Shares are to be
registered under Sections 2 or 3 hereof as part of an underwritten offering and,
in the opinion of the managing underwriter, it is appropriate because of
marketing factors (including, without limitation pricing) to limit the number of
Registrable Shares to be included in any particular offering of shares of Common
Stock in which any Shareholder has requested registration of Registrable Shares
pursuant to Sections 2 or 3 hereof, then Parent shall not be required to include
in the registration any more than that number of Registrable Shares, if any,
which the managing underwriter believes should be included therein. If the
number of Registrable Shares to be included in the offering in accordance with
the foregoing is less than the total number of shares which the holders of
Registrable Shares have requested to be included, then the holders of
Registrable Shares who have requested registration and other holders of
securities entitled to include them in such registration shall participate in
the registration pro rata based upon their total ownership of shares of Common
Stock (giving effect to the conversion into Common Stock of all securities
convertible thereinto). If any holder would thus be entitled to include more
securities than such holder requested to be registered, the excess shall be
allocated among other requesting holders pro rata in the manner described in the
preceding sentence.

         5. Registration Procedures. If and whenever Parent is required by the
provisions of this Agreement to use its best efforts to effect the registration
of any of the Registrable Shares under the Securities Act, Parent shall:

                  (a) file with the Commission a Registration Statement with
         respect to such Registrable Shares and use its best efforts to cause
         that Registration Statement to become and remain effective as soon as
         practicable, subject to the provisions of Sections 2 and 3 hereof;

                  (b) as expeditiously as possible prepare and file with the
         Commission any amendments and supplements to the Registration Statement
         and the prospectus included in the Registration Statement as may be
         necessary to keep the Registration Statement effective, in the case of
         a firm commitment underwritten public offering, until each underwriter
         has completed the distribution of all securities purchased by it and,
         in the case of any other offering, until the earlier of the sale of all
         Registrable Shares covered thereby or one hundred twenty days after the
         effective date thereof;

                  (c) as expeditiously as possible furnish to each selling
         Shareholder such reasonable numbers of copies of the prospectus,
         including a preliminary prospectus, in conformity with the requirements
         of the Securities Act, and such other documents as the selling
         Shareholder may reasonably request in order to facilitate the public
         sale or other disposition of the Registrable Shares owned by the
         selling Shareholder.

                  (d) promptly notify each selling Shareholder of the
         notification to Parent by the Commission of its initiation of any
         proceeding with respect to the issuance by the Commission of, or of the
         issuance by the Commission of, any stop order suspending the
         effectiveness of such registration statement;

                  (e) notify each Shareholder whose Registrable Securities are
         included in such registration statement, at any time when a prospectus
         relating thereto is required to be delivered under the Securities Act,
         of the happening of any event as a result of which any prospectus
         included in such registration statement, as then in effect, includes an
         untrue statement of a material fact or omits to state any material fact
         required to be stated therein or necessary to make the statements
         therein, in light of the circumstances under which they were made, not
         misleading, and at the request of any such holder prepare and furnish
         to such holder within three months of the notice provided to such
         Shareholder a reasonable number of copies of a supplement to or an
         amendment of such prospectus as may be necessary so that, as thereafter
         delivered to the purchasers of such securities, such prospectus shall
         not include an untrue statement of a material fact

                                       3
<PAGE>

         or omit to state a material fact required to be stated therein or
         necessary to make the statements therein, in light of the circumstances
         under which they were made, not misleading;

                  (f) use its best efforts to cause all Registrable Securities
         included in such registration statement to be listed, upon official
         notice of issuance, on any securities exchange or quotation system on
         which any of the securities of the same class as the Registrable
         Securities are then listed; and

                  (g) in the case of any sale or proposed sale of Registrable
         Securities by Rosenblum having an estimated aggregate market value in
         excess of $5,000,000, at the reasonable request of any broker or
         placement agent retained by or acting on behalf Rosenblum (after
         reasonable advance notice and consultation with Parent ), senior
         management of Parent will participate in a road show or similar
         meetings, which meetings in the aggregate will consist of no more than
         3 days, with prospective investors located in the United States, but
         outside Minneapolis (if necessary), and permit reasonable access during
         regular business hours to Parent's senior management and records for
         due diligence purposes, in each case to the extent necessary in the
         reasonable opinion of such broker or placement agent to expedite or
         facilitate the disposition of such Registrable Securities.

         Upon receipt of any notice from Parent of the happening of any event of
the kind described in subsections (d) or (e) of this Section 6, each Shareholder
will immediately discontinue such Shareholder's disposition of Registrable
Securities pursuant to the registration statement relating to such Registrable
Securities until such Holders receives the copies of the supplemented or amended
prospectus contemplated by subsection (e) of this Section 6 and, if so directed
by Parent, shall deliver to Parent all copies then in such holder's possession
of the prospectus relating to such Registrable Securities current at the time of
receipt of such notice.

         6. Allocation of Expenses. Parent will pay all Registration Expenses of
all registrations under this Agreement; provided, however, on a one time only
basis, that if a registration under Section 2 is withdrawn at the request of the
Holders requesting such registration (other than as a result of information
concerning the business or financial condition of Parent which is made known to
the Holders after the date on which such registration was requested) and if the
requesting Holders elect not to have such registration counted as a registration
requested under Section 2, all of the requesting Holders shall pay the
Registration Expenses of such registration pro rata in accordance with the
number of their Registrable Shares to have been included in such registration.
For purposes of this Section 5, the term "Registration Expenses" shall mean all
expenses incurred by Parent in complying with this Agreement, including, without
limitation, all registration and filing fees, exchange listing fees, printing
expenses, fees and expenses of counsel for Parent, state Blue Sky fees and
expenses, and the expense of any special audits incident to or required by any
such registration, but excluding underwriting discounts, selling commissions and
the fees and expenses of selling Holders' own counsel.

         7. Indemnification and Contribution.

         (a) In the event of any registration of any of the Registrable Shares
under the Securities Act pursuant to this Agreement, Parent will indemnify and
hold harmless the seller of such Registrable Shares, any person, including any
placement agent, who sells such Registrable Shares under any such Registration
Statement on behalf of such seller (together, the "Seller"), and each other
person, if any, who controls such Seller within the meaning of the Securities
Act or the Exchange Act against any losses, claims, damages or liabilities,
joint or several, to which such seller or controlling person may become subject
under the Securities Act, the Exchange Act, state securities or Blue Sky laws or
otherwise, insofar as such losses, claims, damages or liabilities (or actions in
respect thereof) including, without limitation, reasonable legal fees and
expenses, arising out of or based upon any untrue statement or alleged untrue
statement of any material fact contained in any Registration Statement under
which such Registrable Shares were registered under the Securities Act, any
preliminary prospectus or final prospectus contained in the Registration
Statement, or any amendment or supplement to such Registration Statement, or
arise out of or are based upon the omission or alleged omission to state a
material fact required to be stated therein or necessary to make the statements
therein not misleading; and Parent will reimburse such Seller and each such
controlling person for any legal or any other expenses reasonably incurred by
such Seller or controlling person in connection with investigating or defending
any such loss, claim, damage, liability or action; provided, however, that
Parent will not be liable in any such case to the extent that any such loss,
claim, damage or liability arises out of or is

                                       4
<PAGE>

based upon (x) any untrue statement or omission made in such Registration
Statement, preliminary prospectus or final prospectus, or any such amendment or
supplement, in reliance upon and in conformity with information furnished to
Parent, in writing, by or on behalf of such Seller or controlling person
specifically for use in the preparation thereof or (y) a breach of a
representation, warranty or covenant of the Company or Rosenblum contained in
the Merger Agreement.

         (b) In the event of any registration of any of the Registrable Shares
under the Securities Act pursuant to this Agreement, each Seller of Registrable
Shares, severally and not jointly, will indemnify and hold harmless Parent, each
of its directors and officers and each underwriter (if any) and each person, if
any, who controls Parent or any such underwriter within the meaning of the
Securities Act or the Exchange Act, against any losses, claims, damages or
liabilities, joint or several, to which Parent, such directors and officers,
underwriter or controlling person may become subject under the Securities Act,
Exchange Act, state securities or Blue Sky laws or otherwise, insofar as such
losses, claims, damages or liabilities (or actions in respect thereof) arise out
of or are based upon any untrue statement or alleged untrue statement of a
material fact contained in any Registration Statement under which such
Registrable Shares were registered under the Securities Act, any preliminary
prospectus or final prospectus contained in the Registration Statement, or any
amendment or supplement to the Registration Statement, or arise out of or are
based upon any omission or alleged omission to state a material fact required to
be stated therein or necessary to make the statements therein not misleading, if
the statement or omission was made in reliance upon and in conformity with
information relating to such seller furnished in writing to Parent by or on
behalf of such Seller specifically for use in connection with the preparation of
such Registration Statement, prospectus, amendment or supplement. The aggregate
amount that any Holder, or any Seller acting on behalf of such Holder, shall be
required to pay pursuant to this Section 7(b) shall in no case be greater than
the amount of the net proceeds received by such Holder upon the sale of the
Registrable Shares pursuant to the Registration Statement giving rise to such
claim.

         (c) Each party entitled to indemnification under this Section 7 (the
"Indemnified Party") shall give notice to the party required to provide
indemnification (the "Indemnifying Party") promptly after such Indemnified Party
has actual knowledge of any claim as to which indemnity may be sought, and shall
permit the Indemnifying Party to assume the defense of any such claim or any
litigation resulting therefrom; provided, that counsel for the Indemnifying
Party, who shall conduct the defense of such claim or litigation, shall be
approved by the Indemnified Party (whose approval shall not be unreasonably
withheld); and, provided, further, that the failure of any Indemnified Party to
give notice as provided herein shall not relieve the Indemnifying Party of its
obligations under this Section 7. The Indemnified Party may participate in such
defense at such party's expense; provided, however, that the Indemnifying Party
shall pay such expense if representation of such Indemnified Party by the
counsel retained by the Indemnifying Party would be inappropriate due to actual
or potential differing interests between the Indemnified Party and any other
party represented by such counsel in such proceeding. No Indemnifying Party, in
the defense of any such claim or litigation shall, except with the consent of
each Indemnified Party, consent to entry of any judgment or enter into any
settlement which does not include as an unconditional term thereof the giving by
the claimant or plaintiff to such Indemnified Party of a release from all
liability in respect of such claim or litigation, and no Indemnified Party shall
consent to entry of any judgment or settle such claim or litigation without the
prior written consent of the Indemnifying Party.

         (d) In order to provide for just and equitable contribution to joint
liability under the Securities Act in any case in which either (i) any holder of
Registrable Shares exercising rights under this Agreement, or any controlling
person of any such holder, makes a claim for indemnification pursuant to this
Section 7 but it is judicially determined (by the entry of a final judgment or
decree by a court of competent jurisdiction and the expiration of time to appeal
or the denial of the last right of appeal) that such indemnification may not be
enforced in such case notwithstanding the fact that this Section 7 provides for
indemnification in such case, or (ii) contribution under the Securities Act may
be required on the part of any such selling Shareholder or any such controlling
person in circumstances for which indemnification is provided under this Section
7; then, in each such case, Parent and such Shareholder will contribute to the
aggregate losses, claims, damages or liabilities to which they may be subject
(after contribution from others) in such proportions so that such holder is
responsible for the portion represented by the percentage that the public
offering price of its Registrable Shares offered by the Registration Statement
bears to the public offering price of all securities offered by such
Registration Statement, and Parent is responsible for the remaining portion;
provided, however, that, in any such case, (i) no such holder will be required
to contribute any amount in excess of the net proceeds to it of all the
Registrable Shares sold by it pursuant to such Registration Statement, (ii) no
person or entity guilty of fraudulent misrepresentation, within the meaning of
Section 11(f) of the

                                       5
<PAGE>

Securities Act, shall be entitled to contribution from any person or entity who
is not guilty of such fraudulent misrepresentation.

         8. Indemnification with Respect to Underwritten Offering. In the event
that Registrable Shares are sold pursuant to a Registration Statement in an
underwritten offering pursuant to Sections 2 or 3, Parent agrees to enter into
an underwriting agreement containing customary representations and warranties
with respect to the business and operations of an issuer of the securities being
registered and customary covenants and agreements to be performed by such
issuer, including without limitation customary provisions with respect to
indemnification by Parent of the underwriters of such offering.

         9. Information by Holder. It shall be a condition precedent to Parent's
obligation to include Registrable Securities in a Registration Statement that
each Shareholder including Registrable Shares in any registration shall furnish
to Parent such information regarding such Shareholder and the distribution
proposed by such Shareholder as Parent may reasonably request in writing and as
shall be required in connection with any registration, qualification or
compliance referred to in this Agreement.

         10. Rule 144 Requirements. After the closing of the sale of securities
of Parent pursuant to a Registration Statement Parent agrees to:

                  (i) comply with the requirements of Rule 144(c) under the
         Securities Act with respect to current public information about Parent;

                  (ii) use its best efforts to file with the Commission in a
         timely manner all reports and other documents required of Parent under
         the Securities Act and the Exchange Act (at any time after it has
         become subject to such reporting requirements); and

                  (iii) furnish to any holder of Registrable Shares upon request
         (i) a written statement by Parent as to its compliance with the
         requirements of said Rule 144(c), and the reporting requirements of the
         Securities Act and the Exchange Act (at any time after it has become
         subject to such reporting requirements), (ii) a copy of the most recent
         annual or quarterly report of Parent, and (iii) such other reports and
         documents of Parent as such holder may reasonably request to avail
         itself of any similar rule or regulation of the Commission allowing it
         to sell any such securities without registration.

         11. Effectiveness; Termination.

         (a) Effectiveness. This Agreement shall become effective upon the
closing of the Merger Agreement and issuance by Parent of the Merger Shares. In
the event that the Merger Agreement is terminated prior to its closing, this
Agreement shall immediately terminate and have no force or effect.

         (b) Termination. Parent shall have no obligation to register
Registrable Shares under Section 2 hereof as to any Holder other than Rosenblum,
on and after that date which is three years after the closing of the Merger or
at any time when all of the Registrable Shares of such Shareholder may be sold
under Rule 144 in any three-month period.

         12. Transfer Restrictions.

         (a) Dispositions. In consideration of the Merger, each of the Holders
other than Rosenblum hereby agrees that such Shareholder will not offer to sell,
contract to sell, or otherwise sell, dispose of, loan or grant any rights with
respect to, hedge, engage in a short sale (whether or not against the box),
grant any put or call option with respect to (or which derives any significant
part of its value from) (collectively, "Transfer") more than 20% of the Merger
Shares (collectively, "Securities") within 180 days from the closing of the
Merger.

         (b) Each certificate representing Merger Shares issued to the Holders
or to any subsequent holder of such shares shall bear the following legend;
provided, however, that such legend shall not be required if (i) a transfer is
being made in connection with a

                                       6
<PAGE>

sale of Merger Shares registered under the Securities Act or in connection with
a sale in compliance with Rule 144 under the Securities Act (each, a "Public
Sale") or (ii) the opinion of counsel (which counsel is reasonably acceptable to
Parent), in a form reasonably satisfactory to Parent, to the that neither such
legend nor the restrictions on transfer contained in such legend are required in
order to ensure compliance with the Securities Act:

         The shares represented by this certificate have not been registered
         under the Securities Act of 1933, as amended, or any state securities
         law, and may not be transferred, sold or otherwise disposed of in the
         absence of such registration or an exemption therefrom. Such shares may
         be transferred only in compliance with the conditions specified in the
         Registration Rights Agreement dated _____________, 2000, between the
         issuer and the individuals party thereto, a complete and correct copy
         of which is available for inspection at the principal office of the
         issuer and will be furnished to the holder hereof upon written request
         and without charge

         (c) Stop Transfer Order; Restrictive Legends. The Holders agree and
consent to the entry of stop transfer instructions with Parent's transfer agent
and registrar against the transfer of Securities except in compliance with the
foregoing restrictions.

         (d) Prior to any proposed Transfer of any Merger Shares other than
pursuant to an offering registered under the Securities Act, the Shareholder
proposing to make such transfer shall give written notice to Parent of such
holder's intention to effect such Transfer, which notice shall set forth the
date of such proposed Transfer. Such Shareholder also shall furnish to Parent
(i) a written agreement by the proposed transferee that it is taking and holding
the same subject to the terms and conditions specified in this Agreement, except
with respect to any Merger Shares that are being sold in a Public Sale, and (ii)
except with respect to any Merger Shares that have been registered under the
Securities Act, a written opinion of such Shareholder's counsel, in form
reasonably satisfactory to Parent, to the effect that the proposed Transfer may
be effected without registration under the Securities Act.

         13. General.

         (a) Notices. All notices, requests, consents, and other communications
under this Agreement shall be in writing and shall be delivered by hand or
mailed by first class certified or registered mail, return receipt requested,
postage prepaid:

         If to Parent:

                           eBenX, Inc.
                           605 North Highway 169
                           Suite LL
                           Minneapolis, MN  55441-6465
                           Attn:  Scott P. Halstead

         with a copy to:

                           Dorsey & Whitney LLP
                           220 South Sixth Street
                           Minneapolis, MN  55402-1498
                           Attn:  Kenneth L. Cutler

         If to a Holder, at his or its address set forth on the signature pages
attached hereto, with a copy to:

                           Klehr, Harrison, Harvey, Branzburg & Ellers LLP
                           260 South Broad Street, Suite 400
                           Philadelphia, PA 19102
                           Attn: Michael C. Forman

                                       7
<PAGE>

or, in any such case at such other address or addresses as shall have been
furnished in writing by such party to the others.

         (b) Entire Agreement. This Agreement embodies the entire agreement and
understanding between the parties hereto with respect to the subject matter
hereof and supersedes all prior agreements and understandings relating to such
subject matter.

         (c) Assignment. No Holder may assign its rights under this Agreement
except in connection with a Transfer of more than 50% of Merger Shares held by
such Holder immediately after the Effective Time and shall provide Parent with
notice of such assignment which notice shall include the number of Merger Shares
so transferred and the name and address of such Transferee.

         (d) Amendments and Waivers. Any term of this Agreement may be amended
and the observance of any term of this Agreement may be waived (either generally
or in a particular instance and either retroactively or prospectively), with the
written consent of Parent and the Holders of at least 50% of the then
outstanding Merger Shares; provided, that this Agreement may be not amended in a
manner which affects all Merger Shares then held by the Holders in a
discriminatory fashion without the consent of all Holders who then hold Merger
Shares. No waivers of or exceptions to any term, condition or provision of this
Agreement, in any one or more instances, shall be deemed to be, or construed as,
a further or continuing waiver of any such term, condition or provision.

         (e) Counterparts. This Agreement may be executed in one or more
counterparts, each of which shall be deemed to be an original, but all of which
shall be one and the same document.

         (f) Severability. The invalidity or unenforceability of any provision
of this Agreement shall not affect the validity or enforceability of any other
provision of this Agreement.

         (g) Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of Delaware without regard to its
conflicts of laws provisions.

                [REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK]

                                       8
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have executed this Agreement as
of the date first written above.

                                       EBENX, INC.

                                       By: /s/ John J. Davis
                                           -------------------------------------
                                           Name:  John J. Davis
                                           Title:  President and C.E.O.

                                       HOLDERS:

                                       /s/ Jeffrey Rosenblum
                                       -----------------------------------------
                                       Jeffrey Rosenblum and Leonor Rosenblum

                                       Address: 104 Wisteria Lane
                                                Media, PA 19063

                                       /s/ Jeffrey Rosenblum
                                       -----------------------------------------
                                       The Jeffrey Rosenblum Irrevocable Trust
                                       dated 3/22/00, Michael C. Forman, Trustee

                                       Address: c/o Michael Forman
                                                206 Sartain Street
                                                Philadelphia, PA 19107

                                       /s/ Jeffrey Rosenblum
                                       -----------------------------------------
                                       The Jeffrey Rosenblum Grantor Retained
                                       Annuity Trust dated 3/22/00,
                                       Michael C. Forman, Trustee

                                       Address: c/o Michael Forman
                                                206 Sartain Street
                                                Philadelphia, PA 19107

                                       9
<PAGE>

                                       /s/ Arthur D. Warady
                                       -----------------------------------------
                                       Arthur D. Warady

                                       Address: 695 Kennedy Road
                                                Stafford, PA 19087

                                       /s/ Stephanie D. Warady Cohen
                                       -----------------------------------------
                                       The ARMW Trust, Stephanie D.Warady Cohen,
                                       TTEE, U/A/D 2/25/00

                                       Address: c/o Stephanie Warady Cohen
                                                3 Old Barn Court
                                                Newton, PA 18940

                                       /s/ Stephanie D. Warady Cohen
                                       -----------------------------------------
                                       The AFMW Trust, Stephanie D.Warady Cohen,
                                       TTEE, U/A/D 2/25/00

                                       Address: c/o Stephanie Warady Cohen
                                                3 Old Barn Court
                                                Newton, PA 18940

                                       /s/ Stephanie D. Warady Cohen
                                       -----------------------------------------
                                       The AJLO Trust, Stephanie D.Warady Cohen,
                                       TTEE, U/A/D 2/25/00

                                       Address: c/o Stephanie Warady Cohen
                                                3 Old Barn Court
                                                Newton, PA 18940

                                       10
<PAGE>

                                       /s/ Stephanie D. Warady Cohen
                                       -----------------------------------------
                                       The ASMO Trust, Stephanie D.Warady Cohen,
                                       TTEE, U/A/D 2/25/00

                                       Address: c/o Stephanie Warady Cohen
                                                3 Old Barn Court
                                                Newton, PA 18940

                                       /s/ Robert W. Owen
                                       -----------------------------------------
                                       Robert W. Owen

                                       Address: 606 Bair Road
                                                Berwyn, PA 19312

                                       /s/ Arthur D. Warady
                                       -----------------------------------------
                                       The EJO Trust, Arthur D. Warady, TTEE,
                                       U/A/D dated 2/25/00

                                       Address: c/o Arthur Warady
                                                695 Kennedy Road
                                                Stafford, PA 19087

                                       /s/ Arthur D. Warady
                                       -----------------------------------------
                                       The DJO Trust, Arthur D. Warady, TTEE,
                                       U/A/D dated 2/25/00

                                       Address: c/o Arthur Warady
                                                695 Kennedy Road
                                                Stafford, PA 19087

                                       11
<PAGE>

                                       /s/ Arthur D. Warady
                                       -----------------------------------------
                                       The LRO Trust, Arthur D. Warady, TTEE,
                                       U/A/D dated 2/25/00

                                       Address: c/o Arthur Warady
                                                695 Kennedy Road
                                                Stafford, PA 19087

                                       /s/ Michael C. Forman
                                       -----------------------------------------
                                       Michael C. Forman

                                       Address: 206 Sartain Street
                                                Philadelphia, PA 19107

                                       /s/ David W. Jennings
                                       -----------------------------------------
                                       David W. Jennings

                                       Address: 40 E. 66th Street, Apt. 8C
                                                New York, NY 10021

                                       /s/ Robert A. Rosenblum
                                       -----------------------------------------
                                       Robert A. Rosenblum

                                       Address: 3451 Geddes Road
                                                Ann Arbor, MI 48105

                                       /s/ David M. Cohn
                                       -----------------------------------------
                                       David M. Cohn

                                       Address: 89051 Old Highway
                                                Tavernier, FL 33070

                                       12
<PAGE>

                                       /s/ David Saphier
                                       -----------------------------------------
                                       David Saphier

                                       Address: 180 West End Avenue, Apt. 16D,
                                                New York, NY 10023

                                       /s/ Peter Byer
                                       -----------------------------------------
                                       Peter Byer

                                       Address: 1087 Seward Avenue
                                                Westfield, NJ  07090

                                       /s/ Marc Richman
                                       -----------------------------------------
                                       Richman Family Partnership

                                       Address: c/o Marc Richman
                                                Legg Mason
                                                1735 Market Street, 10th Flr.,
                                                Philadelphia, PA 19103]

                                       /s/ Neil J. Model
                                       -----------------------------------------
                                       Neil J. Model

                                       Address: 19 Creekside Drive
                                                Ivyland, PA 18974

                                       /s/ James J. Wankmiller
                                       /s/ Maureen C. Wankmiller
                                       -----------------------------------------
                                       James J. Wankmiller and
                                       Maureen C. Wankmiller

                                       Address: 106 Wisteria Lane
                                                Media, PA 19063

                                       13
<PAGE>

                                       /s/ Arthur E. Rogers, Jr.
                                       -----------------------------------------
                                       Arthur E. Rogers, Jr.

                                       Address: 11 Gregory Street
                                                Marblehead, MA 01945

                                       /s/ David L. Coran
                                       -----------------------------------------
                                       David L. Coran

                                       Address: 10124 N. Vintage Court
                                                Mequon, WI 53092

                                       /s/ Dr. Arnold G. Coran
                                       /s/ Susan W. Coran
                                       -----------------------------------------
                                       Dr. Arnold G. Coran and Susan W. Coran

                                       Address: 505 E. Huron Street, Apt. 802,
                                                Ann Arbor, MI 48104

                                       /s/ Lawrence D. Rovin
                                       -----------------------------------------
                                       PB Alex Brown LLC Custodian for the
                                       benefit of Lawrence D. Rovin IRA

                                       Address: 312 Berleley Road
                                                Merion, PA 19066

                                       /s/ Lawrence J. Arem
                                       -----------------------------------------
                                       Lawrence J. Arem

                                       Address: 645 Hazelhurst Avenue
                                                Merion Station, PA 19066

                                       14
<PAGE>

                                       /s/ Malcolm T. Brown
                                       -----------------------------------------
                                       Malcolm T. Brown

                                       Address: 25 West 13th Street, Apt. 6FN,
                                                New York, NY 10011

                                       /s/ Barry J. Siegel
                                       -----------------------------------------
                                       Barry J. Siegel

                                       Address: 747 Clarendon Road
                                                Narberth, PA 19072

                                       /s/ Keith W. Kaplan
                                       -----------------------------------------
                                       Keith W. Kaplan

                                       Address: 13 Whyte Drive
                                                Voorhees, NJ 08043

                                       /s/ David S. Forman
                                       -----------------------------------------
                                       David S. Forman

                                       Address: 1 Shingle Oak Court
                                                Voorhees, NJ 08043

                                       /s/ Alan Gottlob
                                       -----------------------------------------
                                       Alan Gottlob

                                       Address: 112 Banning Drive
                                                Voorhees, NJ 08043

                                       15
<PAGE>

                                       /s/ Frank A. Anglin
                                       /s/ Mary E. Anglin
                                       -----------------------------------------
                                       Frank A. Anglin and Mary E. Anglin

                                       Address: 337 East Woodland Road
                                                Lake Bluff, IL  60044

                                       /s/ Gregory J. Walsh
                                       -----------------------------------------
                                       Gregory J. Walsh

                                       Address: 620 West Melissa Circle
                                                Yardley, PA 19067

                                       /s/ Jennifer C. Fairfield
                                       -----------------------------------------
                                       Jennifer C. Fairfield

                                       Address: 13045 E. Austin Road,
                                                Manchester, MI 48158

                                       /s/ Richard Gordon
                                       -----------------------------------------
                                       Richard Gordon

                                       Address: 102 Lockerbie Lane
                                                West Chester, PA 19382

                                       /s/ Paul Knittel
                                       -----------------------------------------
                                       Paul Knittel

                                       Address: 206 Cardinal Drive,
                                                Conshohocken, PA 19428

                                       16
<PAGE>

                                       /s/ John Tefft
                                       -----------------------------------------
                                       John Tefft

                                       Address: 5045 Ten Mills Road
                                                Columbia, MD 21044

                                       /s/ Michael Karp
                                       -----------------------------------------
                                       Michael Karp

                                       Address: c/o University City Housing
                                                3418 Sansom Street
                                                Philadelphia, PA 19104

                                       17

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