Services
Services built for self-funded plan sponsors
Four disciplines — fiduciary governance, privacy, reporting, and transitions — delivered by one accountable advisor.
Service 01
ERISA Fiduciary Duties
We help plan sponsors understand and fulfill their obligations as ERISA fiduciaries — from prudent investment selection to claims appeals procedures and prohibited transaction exemptions.
Explore ERISA compliance- Plan documents and summary plan descriptions kept current with operations
- Claims and appeals procedures that satisfy ERISA §503 timing rules
- Vendor contract review: fee reasonableness, indemnity, and service standards
- Form 5500 annual reporting, schedules, and audit coordination
Service 02
HIPAA Privacy & Security
Self-funded plans are covered entities under HIPAA. We conduct privacy assessments, draft Business Associate Agreements, and prepare employees who handle PHI for compliance.
Explore HIPAA services- Privacy and security risk assessments scoped to how PHI actually moves
- Business Associate Agreements with TPAs, brokers, and downstream vendors
- Breach response planning: investigation, notification timelines, documentation
- Workforce training and sanctions policies for staff touching PHI
Service 03
ACA Reporting & Filing
We prepare and file Forms 1095-B, 1095-C, and 1094-C with accuracy. We also handle Form 5500 filings, SPD distributions, and annual PCORI fee calculations.
Explore ACA reporting- Forms 1095-B and 1095-C preparation, participant furnishing, and corrections
- Form 1094-C transmittal and electronic filing through IRS AIR
- Affordability testing and offer-of-coverage coding review before filing
- PCORI fee calculations and Form 720 payment support
Service 04
Transition from Fully Insured
Moving from a group insurance carrier to a self-funded model is complex. We map your compliance obligations, identify gaps, and create a transition roadmap that avoids costly pitfalls.
Explore transition guidance- Obligation mapping: what changes the day you become the plan sponsor
- Gap analysis across documents, privacy, reporting, and governance
- Sequenced transition roadmap tied to your plan year and renewal dates
- Post-transition readiness review before the first filing cycle
Specialized support
The contracts that decide your exposure.
Stop-loss contract reviews
Line-by-line review of specific and aggregate terms — lasering, run-in and run-out windows, disclosure obligations, and how exclusions interact with your plan document.
TPA contracting support
Administrative services agreements assessed for fiduciary allocation, performance guarantees, data ownership, fee transparency, and clean termination rights.
Request a Compliance Assessment
A scoped review of your plan documents, privacy program, and filing history — with a prioritized list of what to fix first.