COMPLIANCE services 

We are committed to making complicated issues seem simple — for you and your customers. We’ll help you navigate the uncertainty of regulations affecting you, your clients, and their employees.
 

The Help You Need Is All Right Here

We’re here to assist with compliance-related matters, employer reporting, and complex regulations. We make complicated issues seem simple, with valuable resources and answers to your specific questions. We’ll help you navigate the uncertainty of state and federal laws affecting you, your clients, and their employees

WBCompliance

Our in-house Compliance team is staffed by experts who are here to simplify your life. Exclusive to our General Agency, they’re on call to answer any of your Compliance questions. 

ACA Guidance

Whether you have a client-specific, scenario-based Affordable Care Act (ACA) or Department of Labor (DOL) inquiry, you can count on us to deliver the answers, resources, and support you and your clients want.

  • ERISA

    We can simplify your clients’ administration, ensure their program can pass the ERISA coverage test, and protect benefits with a Wrap Plan bundling health and welfare.

  • Premium Only Plan (POP)

    A POP offers savings to clients and employees, because of reduced payroll taxes and the ability to deduct insurance premiums or HSA contributions on a pre-tax basis.

  • COBRA

    Employer compliance with COBRA is mandatory and non-compliance fees can be substantial. We offer your eligible groups free COBRA administration, helping them save money and avoid fines.

  • HR Support

    Offer your clients access to an online, centralized benefits and Human Resources (HR) management tool from Ease, or our no-cost HRWow benefits administration tool from Mammoth HR.

  • ACA IRS Reporting

    Help your clients with annual IRS reporting and related services like mandated employer letters, ERISA Wrap documents, Form 5500 preparation and filing, and more.

  • ACA Calculators

    We have calculators designed to help you determine whether your clients are subject to ACA “play or pay” mandates, forecast potential penalties, and more.

Compliance content from our newsroom

  • Small Group Annual Special Open Enrollment Window: Nov. 15 – Dec. 15

    October 14, 2021 | By Paul Roberts

    California & Nevada

    The ACA permits Small Groups to enroll for coverage effective 1/1 annually, without having to meet standard employer contribution and/or employee participation requirements. The Special Open Enrollment Window is 11/15-12/15.

  • COBRA Premium Payments During COVID

    November 10, 2021 | By Rene Gonzalez

    California & Nevada

    The IRS, DOL, and Treasury recently provided new guidance and updates regarding the disregarded timeframes for COBRA premium payments during the ongoing COVID-19 "outbreak period." Learn what’s changed.

  • Broker Commission Disclosure

    November 11, 2021 | By Paul Roberts

    California & Nevada

    A new federal law, effective 12/27/2021, requires brokers to disclose their commissions to clients of all sizes, in writing, in advance of a sale. Here's what you need to know, and how to comply with the law.

SEIZE THE OPPORTUNITY

 Talk to a representative and find out how to get started with Word & Brown.