You shouldn't have to remember every compliance deadline or wonder what's due when. Our Annual Compliance Calendar maps out every federal and state compliance obligation specific to your benefits program throughout the entire year.

Your customized calendar includes:

• All filing deadlines (Form 5500, PCORI, Medicare Part D)
• Required distribution dates for employee notices and disclosures
• Testing and calculation due dates (nondiscrimination, ACA reporting)
• Plan document and SPD update requirements
• State-specific compliance obligations based on your locations
• Proactive reminders well in advance of each deadline

This clear roadmap ensures nothing falls through the cracks and gives you adequate time to gather information, review materials, and meet obligations without last-minute scrambling.

Compliance documents shouldn't just be legally sufficient—they should be clear, professional, and ready to deliver to employees without additional work on your part.

We provide:

• Professionally formatted, distribution-ready notices and disclosures
• Plain-language summaries that help employees understand their rights
• Customization with your company branding and specific plan details
• Electronic and print-ready formats based on your distribution preferences
• Tracking documentation to demonstrate compliance with delivery requirements

You receive materials that meet legal requirements while maintaining the professional quality your employees expect.

ERISA-compliant wrap documents and Summary Plan Descriptions (SPDs) are foundational to your benefits program's legal structure. We handle the preparation, updates, and distribution of these critical documents.

Our wrap document services include:

• Comprehensive ERISA wrap documents that satisfy federal requirements
• Integration of all benefit offerings under unified plan structure
• Annual updates reflecting plan changes and regulatory modifications
• Clear, accessible SPDs that communicate plan provisions effectively
• Required distribution to participants and posting compliance

Medicare Part D compliance requires annual testing and timely notices to participants. We manage this process completely, ensuring accurate determinations and proper disclosure.

We handle:

• Annual creditable coverage testing and documentation
• Required notices to all Medicare-eligible participants (active and COBRA)
• CMS disclosure form completion and submission
• Record retention demonstrating compliance with notification requirements

The annual Form 5500 filing is one of the most important compliance obligations for ERISA plans. Our team prepares and files your Form 5500 accurately and on time, every time.

Our 5500 services include:

• Complete form preparation with all required schedules and attachments
• Review of plan information for accuracy and consistency
• Electronic filing through the DOL's EFAST2 system
• Confirmation documentation and record retention
• Coordination with auditors when required for large plan filers

The Patient-Centered Outcomes Research Institute (PCORI) fee requires accurate calculations and timely filing. We manage this annual obligation, ensuring compliance with IRS requirements.

Open enrollment isn't just about benefit selections—it's also a critical compliance window for required disclosures. We ensure all legally mandated notices are prepared and distributed during your enrollment period.

Required OE notices we manage include:

• Summary of Benefits and Coverage (SBC)
• CHIP Notice
• Women's Health and Cancer Rights Act (WHCRA)
• Newborns' and Mothers' Health Protection Act (NMHPA)
• Medicare Part D Creditable Coverage Notice
• Marketplace Notice (ACA Exchange)
• Premium Assistance Notice (if applicable)
• Any state-specific required notices

The regulatory environment never stops changing. Our monthly compliance updates keep you informed of new requirements, regulatory guidance, court decisions, and emerging issues that may impact your benefits program.

Each update includes:

• Summary of recent regulatory changes and guidance
• Action items requiring attention or implementation
• Deadlines for new compliance obligations
• Analysis of how changes may affect your specific program
• Resources and templates to support compliance

You stay current without having to monitor multiple regulatory agencies and legal developments yourself.

Some regulatory changes require immediate attention. When time-sensitive compliance issues emerge, we send instant alerts that give you the information and guidance you need to respond quickly.

Instant alerts cover:

• Breaking regulatory guidance or enforcement actions
• New legislation with immediate effective dates
• Court decisions creating urgent compliance implications
• Agency announcements requiring rapid response
• Crisis situations (like COVID-19) require benefits-related action

Quick compliance questions deserve quick answers. Our dedicated compliance email provides a direct channel for your team to submit questions and receive expert responses without scheduling calls or waiting for regular check-ins.

Use our compliance email for:

• Clarification on specific regulatory requirements
• Document review and feedback
• Scenario-based compliance questions
• Confirmation of best practices for unique situations