Benefits compliance, tracked and explained in plain English.
Benefits come with rules, notices and deadlines that change as your company grows. We help you understand what applies to you, keep track of what’s due, and point you to the right resources when you need a legal opinion.
What we help with
ACA (Affordable Care Act)
- Understanding whether you’re an Applicable Large Employer (generally 50 or more full-time employees, including full-time equivalents)
- Affordability and minimum value considerations when setting contributions
- Coordinating Forms 1094-C and 1095-C reporting with your payroll or reporting vendor
ERISA
- Making sure you have a plan document and Summary Plan Description (SPD) for your welfare plans
- Understanding Form 5500 filing requirements, which generally apply to plans with 100 or more participants at the start of the plan year
- Wrap documents and required notices
COBRA and state continuation
- Federal COBRA generally applies to employers with 20 or more employees; many states have their own “mini-COBRA” rules, including for smaller groups
- Coordinating notices and administration with your COBRA administrator
Other common items
- Section 125 (cafeteria plan) documents for pre-tax premiums
- Medicare Part D creditable coverage notices
- An annual calendar of required notices
Where our role ends
We are not attorneys or tax advisors. We provide education, reminders and coordination. For legal interpretations or plan-specific legal advice, we’ll recommend you consult employee benefits counsel.
Part of every free Benefits Review. Educational, not a legal audit.