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Protect Your Reputation and Deliver Reliable ACA Compliance

ACA Compliance Solutions for Benefits Professionals & Benefit Brokers

Benefit professionals and brokers are often asked to assist with ACA compliance. Strengthen your reputation with the delivery of accurate and timely ACA compliance with a solution that streamlines the process for simple and complex organizations. ACA Reporter provides the sophisticated tools you need to manage even the most challenging client scenarios with confidence.

The Hidden ACA Compliance Challenges Benefits Professionals Face

Benefits professionals work with diverse client portfolios, each presenting unique ACA compliance challenges that standard solutions often can't address. The right solution for ACA compliance will reduce the risk and severity of Employer Shared Responsibility Penalties (ESRP) from the IRS. 

Benefit professional calculating ACA on a calculator

When Payroll Providers Can't Deliver

Many benefits professionals assume their clients' payroll providers will handle ACA compliance seamlessly. However, payroll systems frequently fall short when faced with: 

  • Multiple benefit plan configurations within a single organization 
  • Complex safe harbor calculations across different employee groups 
  • Aggregation requirements for multi-location or franchised businesses 
  • Variable hour employee tracking with accurate ACA FTE calculations 
  • An employee base with frequent transfers and rehires 
  • Integration challenges between HR, payroll, and benefits systems 

When these gaps emerge, clients look to their benefits professional for solutions. Without the right tools, you're left scrambling to find alternatives or manually managing compliance processes that should be automated. 

High-Turnover Industries Create Compliance Nightmares

Many of your clients likely operate in high-turnover industries like retail, hospitality, healthcare, or franchised businesses. These organizations face unique ACA compliance challenges: 

Constant Employee Status Changes

With frequent hiring, termination, and rehiring, determining accurate full-time equivalent counts becomes a moving target that requires continuous monitoring.

Complex Hour Aggregation

Employees working multiple part-time positions across different locations or franchises need their hours aggregated to determine proper ACA status.

Benefits Participation Tracking

Low benefits participation rates don't eliminate ACA compliance obligations. You still need to track offers of coverage, affordability calculations, and maintain detailed records for IRS reporting.

Administrative Burden

High employee turning over creates extensive administrative work for generating, filing, and distribution of 1095 forms across a constantly changing workforce.

Professional benefits brokers looking at computer at office

Why Standard ACA Solutions Fall Short for Benefits Professionals

Most ACA compliance software assumes simple organizational structures and benefit configurations. This creates problems when working with clients who have: 

Limited Benefit Plan Configurations 

Unlike competitors who limit clients to single lowest cost plan (LCP) configurations, ACA Reporter supports multiple LCPs and safe harbors within a single organization. This flexibility is essential when working with clients who offer different benefit packages to various employee groups or locations. 

Complex Organizational Structures 

Many clients operate across multiple states, use different payroll providers for different locations, or have complex ownership structures requiring aggregated reporting. Standard solutions often can't handle these scenarios effectively. 

Evolving Compliance Requirements 

ACA regulations continue to evolve, and benefits professionals need software that adapts to regulatory changes without requiring system overhauls or data migrations. 

How ACA Reporter Solves ACA Client Challenges

Comprehensive Multi-Plan Support

ACA Reporter uniquely handles organizations with multiple lowest cost plan configurations, allowing you to: 

  • Configure different lowest cost plans for various employee groups 
  • Match the right safe harbor to the right employee groups or locations 
  • Track affordability calculations for complex benefit structures 
  • Maintain accurate records across diverse organizational scenarios 

This flexibility ensures you can serve clients with sophisticated benefit programs that other systems simply can't accommodate. 

Benefits professionals looking at a document

Advanced Payroll Aggregation

For clients with dispersed operations or complex payroll structures, ACA Reporter provides: 

  • Multi-Source Integration: Combine payroll data from different providers, locations, or systems into unified ACA calculations 
  • Franchise Support: Aggregate hours and benefits data across franchise locations for accurate compliance reporting 
  • Historical Data Management: Maintain continuous compliance records even when clients change payroll providers or systems 
ACA Reporting Manually

Dashboard Compliance Monitoring

Stay ahead of compliance issues with dashboard tools that provide: 

  • Turnover Compliance: Automatically monitor service breaks for rehires to determine accurate ACA status based on duration of break in employment 
  • Trending Alerts: Identify part-time employees approaching full-time status before compliance obligations trigger 
  • Benefits Participation Tracking: Maintain accurate records of coverage offers and employee responses regardless of participation rates 
Two HR Tech workers looking at a computer

Simplified Multi-Location Management

For clients operating across multiple locations or states, ACA Reporter streamlines: 

  • Centralized Reporting: Generate 1094 and 1095 forms for all locations at once to ensure accurate forms 
  • Location-Specific Tracking: Monitor and manage compliance at individual location levels while maintaining enterprise oversight 
Benefits Broker looking at an employee list for ACA reporting

Streamlined Implementation and Ongoing Support

ACA Reporter is designed to integrate smoothly into your existing client service model: 

Efficient Client Onboarding

Quick data imports from existing systems minimize implementation time 

Flexible configuration options accommodate diverse client needs 

Expert implementation support ensures smooth transitions 

Ongoing Client Management

Up-to-date dashboards provide at-a-glance compliance status updates 

Automated monthly compliance reports emailed to you and your clients 

View ACA compliance gaps immediately upon login 

Expert ACA Guidance

Access to ACA specialists who understand benefits industry challenges 

Regular IRS and state updates ensure your clients stay current with changing requirements 

Audit support when clients face IRS inquiries or examinations 

Testimonial

“ACA Reporter was an invaluable partner to us. The team provided high-level, white-glove support that was instrumental in getting our systems configured for our new company structure. This ensured our critical reporting and filing were completed accurately and on time. 

Beyond the implementation, the system itself is a breeze to use. Having all our data consolidated so concisely in one place has been a significant benefit to our team.”

- Joshua Blackwell, Roofstock 

Focus on What You Do Best

Concentrate on Strategic Benefits Planning

Spend more time designing optimal benefit programs rather than wrestling with compliance mechanics

Expand Your Service Offerings

Confidently serve clients with complex organizational structures that require sophisticated ACA solutions

Strengthen Client Relationships

Provide reliable, comprehensive ACA compliance that enhances your value proposition

Reduce Compliance Anxiety

Give clients peace of mind knowing their ACA obligations are managed by proven, reliable systems

ACA support person on a call in her office

Why Benefits Professionals Choose ACA Reporter

Unmatched Flexibility: Handle multiple benefit configurations and complex organizational structures that other systems can't accommodate. 

Proven Reliability: Thousands of successful filings and a track record of helping clients avoid penalties and maintain compliance. 

Expert Support: Access to ACA specialist who understand regulatory requirements and work with a multitude of benefits professionals. 

Comprehensive Solution: From simple setup for easy monitoring of individual employees through 1095 form generation, with accurate codes, and e-filing, ACA Reporter and our ACA Specialists support you throughout your ACA compliance journey. 

FAQ

Commonly Asked ACA Benefits Broker Questions

Unlike most ACA compliance software, ACA Reporter supports multiple lowest cost plans and safe harbors within a single organization. This means you can serve clients who offer different benefit packages to various employee groups, locations, or divisions without needing separate systems or workarounds. 

ACA Reporter seamlessly handles payroll provider transitions. This ensures continuous compliance tracking without gaps in employee records or ACA calculations.  

Yes, ACA Reporter excels at managing complex organizational structures. The system can aggregate payroll and benefits data across multiple franchise locations, apply appropriate measurement methods, and generate consolidated reporting. 

Even with low participation, ACA compliance obligations remain. ACA Reporter tracks all required elements including offers of coverage, affordability calculations, employee responses, and maintains detailed records for IRS reporting regardless of actual enrollment levels. 

ACA Reporter maintains comprehensive audit trails and historical records that support IRS inquiries. Your ACA Specialist will help you understand the data needed to respond to the IRS. 

Implementation timelines vary based on client complexity and access to the data, but most organizations can be operational within 4 weeks, often less depending on their data. Our implementation team works closely with benefits professionals to ensure smooth data transitions and minimal disruption to existing processes. 

Ready to Elevate Your ACA Compliance Services?

Don't let inadequate ACA compliance tools limit your ability to serve clients or put your professional reputation at risk. ACA Reporter provides the sophisticated capabilities you need to handle complex client scenarios with confidence. 

Contact us today to schedule a personalized demonstration and discover how ACA Reporter can enhance your benefits practice while ensuring reliable ACA compliance for all your clients. 

Schedule a 15-minute demo to see how benefits brokers have leveraged ACA Reporter.