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Associated Benefits and Risk Consulting - Strategic Planning


Changes to your employee benefits offerings may have changed your compliance obligations

You made it through another plan renewal and open enrollment season, likely following months of planning and decisions about potential changes to plan design, benefit offerings, carriers, funding, and cost sharing. There is another important step that many employers miss. Have you determined whether the decisions you made changed your compliance obligations as the employer plan sponsor? 

ACA reporting is done, but it’s not over yet: Watch out for IRS penalty assessments

You’ve entered all the codes where you should. You know your company’s safe harbor affordability code without double-checking. You know every single employee’s ACA-full-time status for 2018. In other words, you have completed ACA reporting for 2018! So, can you close the books on the ACA for 2019? Of course not. The IRS just issued another wave of proposed employer shared responsibility penalty assessments.

Business succession planning: Ensuring adequate value in the event of the unexpected

Unfortunately, life doesn’t come with guarantees, and there is always the possibility of a premature death or a permanent disability, either from accidental or natural causes. That calls for contingency planning to make sure that you or your family receive a realistic value for the equity stake you have in your business in the event of the unexpected.