Insights

Plain-English guidance for self-funded plan sponsors

Practical explainers on the obligations that actually create exposure — written for the people who have to act on them.

The Form 5500 mistakes that trigger DOL attention

Most Form 5500 problems are not exotic. They are blank schedules, mismatched participant counts, and late filings that make a plan easy to pick out of a data set.

March 20258 min readRead the article

Self-Funding

What your TPA contract probably doesn't cover

Administrative services agreements are drafted to protect the administrator. Four provisions decide who absorbs risk when something goes wrong — and they are usually silent.

February 20257 min readRead

Self-Funding

A CFO's guide to stop-loss contract review

Attachment points and premium get the attention. Contract basis, lasering, and disclosure obligations are what determine whether a large claim is actually covered.

February 20259 min readRead

HIPAA

The PHI flows most plan sponsors forget to map

Wellness vendors, spreadsheets on a benefits manager's laptop, and email threads with a broker are where HIPAA exposure actually lives.

January 20256 min readRead

ACA

Correcting a prior-year 1095-C without making it worse

Corrections are routine. The damage usually comes from re-filing the wrong transmittal, or from responding to an IRS assessment letter after the window closes.

January 20256 min readRead

ERISA

How to run a benefits committee that actually documents prudence

Prudence under ERISA is a process standard. If the process is not written down, it is very hard to prove it happened.

December 20247 min readRead

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