100% Compliant, Audit-Ready
Built from the ground up for regulatory compliance. Our program meets all IRS, ERISA, and ACA requirements with comprehensive documentation for any audit.
TL;DR - Compliance Summary
- IRS: Section 125 cafeteria plan with SIMRP (IRS Section 1.105-11)
- ERISA: Full compliance with plan documents and SPDs provided
- ACA: Supplements existing health coverage, does not replace required coverage
- 213(d): Preventative Care Management Program meets qualified medical expense requirements
Regulatory Framework
IRS Section 125
Our cafeteria plan structure is fully compliant with Internal Revenue Code Section 125, authorizing pre-tax benefit deductions since 1978.
- • Pre-tax employee deductions
- • Qualified benefits only
- • Proper election procedures
IRS Section 1.105-11
Our Self-Insured Medical Reimbursement Plan (SIMRP) meets all requirements under Treasury Regulation 1.105-11.
- • Proper plan document structure
- • Eligible employee definitions
- • Benefit limitations compliance
IRS Section 213(d)
Our Preventative Care Management Program qualifies as medical care under Section 213(d), enabling tax-advantaged treatment.
- • Qualified medical expenses
- • Preventive care coverage
- • Disease management programs
ERISA Compliance
Full Employee Retirement Income Security Act compliance with required plan documents and fiduciary standards.
- • Plan documents provided
- • Summary Plan Descriptions (SPDs)
- • Fiduciary standards met
ACA Compliance
The program supplements existing health coverage and does not interfere with Affordable Care Act requirements.
- • Supplements, doesn't replace coverage
- • Employees must maintain ACA coverage
- • No interference with employer mandate
42 U.S. Code 300gg-4
Our Preventative Care Management Program complies with wellness program requirements under federal law.
- • Wellness program standards met
- • Non-discrimination compliance
- • Reasonable alternatives provided
Audit-Ready Documentation
We provide comprehensive documentation for any IRS, DOL, or internal audit. Your compliance team will have everything needed to demonstrate program legitimacy.
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