Compliance Services

We’ll worry about the rules, so you don’t have to.

No more compliance guesswork.

We offer solutions that meet HIPAA, ERISA, and ACA standards and we help you stay compliant without the hassle. As a Planstin client, you’ll benefit from complimentary compliance services that take the guesswork out of running a benefits program and make sure you’re not left navigating regulations alone.

Your partner in compliance.

Less Busywork

We streamline your benefits administration, handling the complex processes and paperwork.

Less Worry

Stay stress-free and confident as we keep your benefits plans up to date with the latest regulations.

More Safety

Safeguard your business against potential legal complications and financial pitfalls.

Complimentary compliance services.

From document tracking to eligibility monitoring and reporting support, we handle the behind-the-scenes work that keeps your benefits in line—so you can stay focused on running your business.

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Plan Documents

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Section 125

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IRS Reporting

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COBRA Notices

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Form 5500 Preparation

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Machine-Readable Files

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Gag Clause Attestation

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RxDC Reporting

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Plan Documents

We prepare and provide your team with Summary Plan Descriptions (SPDs) and Summaries of Benefits Coverage (SBCs)

Section 125 Document

Offer pre-tax benefits for no extra cost with Planstin’s Section 125 service. We’ll help you draft the document, comply with non-discrimination rules, and stick to contribution limits.

IRS Reporting

We’ll help you prepare all necessary forms to ensure you comply with ACA and IRS regulations. This includes making sure your 1094B, 1094C, 1095B, and 1095C forms are ready to go.

COBRA Notices

When an employee leaves, we make sure your COBRA responsibilities are handled. We’ll send timely election notices, manage enrollment, and keep you free from tedious admin work.

Form 5500 Preparation

For groups with 100 or more employees, we’ll prepare your annual Form 5500 report at the start of each plan year—free of charge.

Machine-Readable Files (TiC)

In compliance with The Transparency in Coverage Rule, we’ll make Machine-Readable Files (MRFs) available as necessary for qualifying groups and health plans.

Consolidated Appropriations Act (CAA) Gag Clause Attestation

Planstin ensures all our clients meet CAA regulations and avoid contracts that would make it more difficult to provide or access information about provider pricing and quality. We will also prepare and submit your required annual Gag Clause Attestation.

Prescription Drug Data Collection (RxDC) Reporting

With Planstin, we make sure you easily meet your annual RxDC reporting requirements and remain compliant with your legal responsibility as a plan sponsor to provide data on spending, plan costs, and contributions.

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ACA compliance.

Planstin administers a range of health plans that provide minimum essential coverage (MEC) or minimum value coverage (MVP). This means that you can confidently avoid the costly Employer Shared Responsibility Penalty Part A or B.



The health plans we work with are also flexible and can be tailored to meet your specific needs. So, whether you're looking for a plan that manages basic medical needs or one that provides more comprehensive care, Planstin has you covered.

Products compliant with:

ACA (Affordable Care Act)

A federal law that sets standards for healthcare coverage and requires most businesses to offer coverage to employees, or face penalties. Planstin helps you figure out if the rules apply to your business and makes it easy to stay compliant.

HIPAA (Health Insurance Portability and Accountability Act)

This act sets privacy rules for handling health information. Planstin ensures your benefits comply with HIPAA standards, protecting your business and your team’s private information.

Section 125 (Premium-only Plan

A document that, once set up, allows employees to pay for benefits with pre-tax dollars through paycheck deductions. Planstin sets up and manages these plan so businesses can offer smarter, tax-efficient options.

ERISA (Employee Retirement Income Security Act)

A federal law that sets the rules for how benefits must be handled. Planstin keeps your plans ERISA-compliant by handling documents, filings, and plan setup so you don’t risk fines or other complications.

TiC (Transparency in Coverage)

This rule requires health plans to show what things cost. Planstin handles the data-sharing and posting requirements as necessary, so your business stays on track with federal guidelines.

COBRA (Consolidated Omnibus Budget Reconciliation Act

A federal law that lets employees keep their workplace benefits for a limited time after leaving their job. Planstin takes care of the required paperwork for you so you stay compliant.

CAA (Consolidated Appropriations Act)

The CAA adds new rules about surprise billing, broker compensation, and more. Planstin helps clients stay in the clear with reporting, tracking, and up-to-date plan support.

RxDC (Prescription Drug Data Collection)

Part of the CAA, this rule requires detailed reporting on prescription costs. Planstin gathers and submits the required data so you don’t have to worry about making mistakes or missing deadlines.

NSA (No Surprises Act)

This law protects employees from unexpected bills-but creates new compliance needs for businesses. Planstin works behind the scenes to make sure your plan follows the rules and avoids penalties.

PCORI (Patient-Centered Outcomes Research Institute Fee):

This annual fee supports health research and applies to many self-funded plans. Planstin calculates this for you to make filing easy.

What is the employer shared responsibility penalty?

Employers with more than 50 full-time, or full-time equivalent, employees must offer MEC-compliant health plans to full-time employees and their dependents, or face a tax penalty. This Employer Shared Responsibility Penalty (Section 4980H-Part A) is equal to $2,900 (2025) for every full-time employee after the first 30—even if those employees have coverage from another source.



A second type of Employer Shared Responsibility Penalty (Section 4980H-Part B) may apply to employers who offer MEC plans that are not minimum value plans (MVP). This penalty is $362.50 (2025) per month for each full-time employee who receives subsidized coverage through the marketplace. However, this penalty is only assessed per employee who receives tax subsidized insurance (not every full-time employee) and cannot exceed the first penalty. 

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Get benefits that get you.

Employee benefits designed with you in mind.