Free Compliance Assessment
Answer 8 quick questions to get your compliance readiness score and see exactly which areas need attention — ACA, ERISA, COBRA, Form 5500, and more.
Do you file ACA reporting (Forms 1094-C and 1095-C) accurately and on time?
Avoid penalties
ACA, ERISA, and 5500 missteps carry steep, avoidable fines.
Audit-ready
Keep documents and filings organized before the DOL or IRS asks.
Peace of mind
Know exactly where you stand — and what to fix first.
Plain-English reference
Benefits compliance acronyms, decoded
ACA — Affordable Care Act
Federal law requiring applicable large employers to offer affordable, adequate coverage and report it on Forms 1094-C/1095-C.
ERISA — Employee Retirement Income Security Act
Sets standards for employer health and welfare plans, including written plan documents and Summary Plan Descriptions (SPDs).
COBRA — Consolidated Omnibus Budget Reconciliation Act
Requires most employers to offer continued coverage to employees and dependents after qualifying events like job loss.
Form 5500 — Annual Return/Report of Employee Benefit Plan
A yearly filing with the Department of Labor for plans that meet participant thresholds; late filings accrue daily penalties.
Section 125 / POP — Premium Only Plan
A cafeteria-plan document that lets employees pay their share of premiums pre-tax, lowering payroll taxes for everyone.
SPD — Summary Plan Description
The participant-facing document that explains plan benefits, rights, and obligations in plain language — required under ERISA.