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Imagine having an employee benefit plan that creates a competitive business advantage

Who We Serve

We design, manage, and support custom employee benefits packages for wide-ranging clients with unique needs.

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Recent Insights

May 20, 2025
News

FAQs about the Patient Centered Outcomes Research Institute (PCORI) Fee

The Patient-Centered Outcomes Research Institute (PCORI) fee initially applied from 2012 to 2019. However, in December 2019, the Further Consolidated Appropriations Act, 2020 extended the fee to 2029. The PCORI fee applies to all plans that provide medical coverage to employees. Medical coverage includes preferred provider (PPO) plans, health maintenance organization (HMO) plans, point-of-service (POS) […]
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May 20, 2025
News

COBRA Compliance: Why “Good Faith” Isn’t Good Enough

READ TIME: 4 MINUTES Recent litigation emphasizes a vital reminder for employers that with COBRA notices, a good faith effort to comply is not a legal defense. The case Marrow v. Carpenter Company centers on an employee who claimed she lost coverage due to a deficient COBRA notice. The court ruled that a “good faith […]
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April 30, 2025
ERISA

When is a Plan an ERISA Plan?

READ TIME: 5 MINUTES Key Takeaways from Hansen v. Laboratory Corporation of America A short-term disability (STD) plan is not automatically covered under ERISA just because it’s included in an employer’s benefits package. Even if an employer treats the plan like an ERISA plan – such as including it in a wrap plan or on […]
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April 30, 2025
News

CMS Updates Simplified Method for Determining Creditable Coverage Status for 2026

  READ TIME: 6 MINUTES This month, the Centers for Medicare and Medicaid Services (CMS) announced final instructions for the changes to Medicare Part D prescription drug coverage mandated by the Inflation Reduction Act of 2022 (IRA) which will affect employer-sponsored plans in 2026. The changes are intended to enhance benefits and offer cost savings […]
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