Benefits administration & ACA— Powered by Broker Partnership

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A successful HR strategy isn’t just about compliance — it’s about offering competitive, attractive benefits that help you recruit and retain top talent. At Merillat Consulting, we partner with trusted benefit brokers to ensure your organization has access to the most robust, cost-effective, and innovative benefits packages available, while keeping you fully aligned with the Affordable Care Act (ACA).

We simplify benefits administration, collaborate with brokers to negotiate the best options, and ensure your programs remain compliant — helping you attract top talent, maximize ROI, and avoid costly penalties.

Benefits administration covers the full lifecycle of managing employee benefits — from plan selection and enrollment to ongoing communication, renewals, and compliance. This includes:

• Health insurance 
• Retirement plans 
• Paid time off 
• Wellness programs 
• And more
   

Through our broker partnerships, we not only manage the process but also give you access to the latest benefit innovations, competitive rates, and customized packages that align with your workforce needs and your budget. Our approach minimizes administrative strain on your HR team while ensuring employees fully understand and value their benefits.

The Affordable Care Act (ACA) requires applicable employers to offer affordable health coverage to eligible employees and file annual compliance reports. Non-compliance can lead to:

• Substantial IRS penalties
• Reputational harm
• Employee dissatisfaction
   

Our team works hand-in-hand with both your internal stakeholders and your benefit broker to keep you aligned with ACA requirements, simplifying reporting and reducing compliance risk.

We offer a full suite of services to ensure your benefits strategy is competitive, compliant, and stress-free:

1. Benefits Program Design (with Broker Collaboration)
   Working alongside your benefit broker, we help design tailored benefits packages that fit your budget and employee needs — from health insurance to value-added perks.
    
2. Open Enrollment Support
   We streamline enrollment by coordinating with brokers, preparing employee communications, and ensuring smooth data submissions.
    
3. Benefits Administration Management
   We handle daily administration — plan renewals, employee changes, troubleshooting — while working closely with your broker to resolve provider issues quickly.
    
4. ACA Compliance Audits
   Our audits identify potential gaps, helping you and your broker make strategic adjustments to stay compliant.
    
5. ACA Reporting & Filing
   We prepare and file IRS forms (1094-C and 1095-C) accurately and on time, in coordination with your broker’s plan data.
    
6. Employee Education & Support
   Through joint resources with your broker, we ensure employees have clear, accessible information to make informed benefit decisions.
    

• Broker Collaboration Advantage – We amplify your broker’s expertise with our compliance and administration capabilities.
• Strategic & Proactive Approach – We manage details so your HR team can focus on growth.
• Compliance Assurance – Our precision minimizes risks and errors. 
• Tailored Solutions – Every client’s needs are different; we align services to your workforce and business goals.
• Employee-Centric Service – We improve benefit utilization and satisfaction.
   

When you outsource benefits administration to Merillat Consulting, you gain:

• Reduced administrative burden for your internal team
• Minimized compliance risks and ACA penalty exposure
• Increased employee satisfaction through better benefits access and communication 
• Access to the latest market insights via our broker relationships
   

Employee benefits are not just perks — they’re essential to your recruitment and retention strategy. By combining our expertise in HR compliance and administration with our benefit broker partnerships, we give you a decisive advantage: competitive, well-managed, and fully compliant benefits programs that help your business thrive.

Let’s Optimize Your Benefits Strategy

Streamline your benefits administration, enhance your offerings, and ensure ACA compliance — all while maximizing the value of your broker relationship.

Contact Merillat Consulting today at info@merillatconsulting.com to learn how we can work with your broker.