COMPLIANCE & LEGAL

Compliance, built into the plan design.

A formal Section 125 cafeteria plan: written plan documents, an independent third-party administrator, and clear privacy boundaries — set up before your first payroll run.

◈

Health data privacy

A Business Associate Agreement is signed at setup, and employee health information stays with the plan's administrators — not with managers.

▤

Plan structure

A written Section 125 cafeteria plan with defined eligibility: full-time employees (ACA 30-hour basis) who hold current major-medical coverage.

◧

The tax mechanics

The plan operates under Section 125 of the Internal Revenue Code, and every savings figure in your proposal is labelled estimated or confirmed — never guaranteed.

How the plan is put together

✓ Written Section 125 plan documents✓ Business Associate Agreement (BAA)✓ Independent third-party administrator✓ Custodial claims account✓ Defined eligibility rules✓ Estimates labelled, never guaranteed

Have a compliance question?

We'll walk you through how the plan is put together — the documents, the administration, and the privacy boundaries.