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Why New Savings Programs Put Retirement Service Providers on the Front Line

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Retirement service providers feel the impact of change before anyone else. That’s because most issues—new savings programs, shifting contribution rules, eligibility updates, and plan changes—start upstream in employer HCM and payroll systems. When systems are connected but not coordinated, breakdowns happen fast. The result? Exception spikes. Retroactive fixes. Manual reconciliation. Broken handoffs. Audit gaps. Service […]

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The ACA Penalty Trap: How the ‘Big Beautiful Bill’ Could Trigger Employer Liability in a Post-Medicaid World

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By Alex Avaneszadeh | 5 Minute Read In June 2025, Congress passed what has been dubbed the “Big Beautiful Bill,” a sweeping federal rollback of pandemic-era Medicaid expansions and ACA subsidies. The legislation, heavily promoted by the administration as a return to fiscal discipline, has since sparked nationwide concern: over 20 million Americans are now

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ACA FACT CHECK: SHOULD ALEs OFFER PAID INTERNS MEDICAL COVERAGE?

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Paid interns can impact ACA Compliance for ALEs by adding to their full-time employee count. If hired to work at least 30 hours per week, paid interns are considered full-time employees for the ACA purposes. Misclassification of short-term employees, such as summer interns, can result in a failure to meet the employer’s requirement under the

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ACA FACT CHECK: WHAT ARE THE EASED NEW DEMANDS ON FORM 1095 REPORTING?

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On December 23, 2024, President Biden signed new legislation affecting ACA reporting, namely, the Paperwork Burden Reduction Act [PBRA]. This act eases the burden on Applicable Large Employers [ALEs] to furnish their employees with a FORM 1095-B [self-insured employers] and/or FORM 1095-C [both self-insured and fully insured employers]. These are the forms reporting on offers

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HCMs Deliver Best-in-Class Ben Admin

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By BENEFITSCAPE CHAIRMAN Ken Phillips INTRODUCTION Alongside Human Capital Management [HCM] systems, employers typically use specialized ben admin software and services to manage health & welfare benefits. These best-in-class employee ben admin solutions have robust specialized functionality and deep integration with both the benefits supply chain and compliance reporting. HCMs have found it hard to

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A Response To IRS Call for ACA Feedback

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By BENEFITSCAPE CHAIRMAN Ken Phillips ________________________________________________________________ The IRS has invited feedback on the ACA reporting and compliance process — more specifically, on the efficiency and utility of FORMS 1094-C and 1095-C. BENEFITSCAPE’s response is a very practical one. Our focus has always been on developing specialist ACA technology — in conjunction with best-in-class managed services

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So What Is Regtech and Why?

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The regtech market was valued at $9.8 billion in 2022; the forecast is for $47.7 billion by 2032, at a CAGR of 17.3%. [DataHorizzon Research, November 17, 2023] REGTECH DEFINITION: Regtech uses advanced, often intelligent technologies, such as machine learning, to transform diverse specialist regulatory activities and risk management. Technology’s purpose has always been, of course,

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