Compliance
Most employers only discover their gaps when a notice, fine, or audit takes place. We proactively identify exposures, tie real fiduciary exposure to each, and provide a strategic plan to close them.
Compliance: the facts
of employers have over $200k in unknown group health exposure
of employers can reduce exposure by $50k or more with a few quick actions
new regulations imposed on employers since 2021, with compliance rates under 50%
Gap analysis
The gap analysis is where compliance stops being a worry and becomes a work plan. Every section of your group health and welfare program is scored, priced and prioritized in a report you can hand to leadership.
A structured review across ERISA and fiduciary duties, ACA, HIPAA, COBRA, Section 125, Medicare rules, the CAA, non-discrimination testing, notices and state requirements.
Each section receives a risk-weighted score, color coded so leadership sees immediately where the exposure is concentrated.
Prioritized action items with milestones, deadlines and responsible parties clearly specified, so gaps actually close.
Sample report
Illustrative example, not client data.
Overall average score
A risk-weighted average across every section of the assessment.
Total compliance risk
Estimated fines and penalties if left unaddressed, excluding staff hours spent correcting errors and locating records years later.
Enforcement by the DOL and HHS has increased significantly in recent years, alongside the CAA's transparency rules.
Active compliance calendar
Every client receives a calendar customized to their plan year, funding model, headcount and states of operation, with embedded reminders for stakeholders ahead of each filing, notice and distribution deadline.
Legal resources
A full suite of resources designed to educate our clients and make sure you have the information, documents and tools you need, with a certified compliance team and ERISA attorneys available when a question needs a legal answer.
Real-time alerts so nothing lands on you without warning.
Regular sessions on regulatory changes and best practices.
Templates, notices, letters and policies for compliant communications.
Assistance with ERISA, ACA, CAA and CMS annual disclosure requirements.
Access to certified compliance team with ERISA attorneys available.
Calculators built to support common compliance tasks, estimates and planning decisions.
Governance & documentation
Making the right decision is only half of it. Our process gives your organization a clean, organized and documented history of how benefits decisions were made, so the process and the rationale behind them can be demonstrated later.
Every option, carrier, funding arrangement and plan design we reviewed with you is recorded, not just the one you selected.
The claims, underwriting, benchmarking and compliance information behind each conversation stays attached to the decision it informed.
Our recommendation, the decision your team made and the rationale for it are documented while the details are still fresh.
Year over year, the file becomes a clean history of how your benefits program has been managed and why.
A documented record can support your fiduciary oversight responsibilities by showing the process behind each decision. It is not legal advice, and it does not guarantee immunity from or protection against fiduciary liability.