Prior to be publically traded (HQY), this company was very innovative. Since becoming a public company, they have become mired in red tape. The mobile app is a great example of the failure.
I have witnessed two highly qualified individuals hired for the product team (Dir. of Investment services position) to have their position dissolved in less than six months. Both individuals were subjected to what I'd define as abussive treatment to include numerous sessions were they were publically berated by thier supervisor I have decided to look else where based on what I saw. Very unprofessional.