These days, managing employee benefits programs can be very challenging for benefits administrators. A professional employee benefits consulting firm offers expertise and solutions to establish that your company understands and adheres to compliance requirements.
At Business Benefits Group (BBG), our nearly three decades of experience have shown us that staying compliant isn’t simply about avoiding penalties; it is about creating trust with your workforce and protecting employees.
We’ve created this thorough guide to help you visualize the most essential compliance tasks and deadlines in 2025.
ACA Reporting
The Affordable Care Act remains in effect in 2025, obligating businesses with 50 full-time employees or more to offer affordable health insurance options with mandatory minimum levels of essential coverage. To stay compliant, you must file ACA forms accurately and promptly.
This year, paper filing for 1094-C and 1095-C forms has a deadline of February 28; distributing 1095-C forms to employees has a deadline of March 3. However, those who intend to file electronically will see their deadline extended to March 31. At BBG, our data-driven tools can make this process easier and help you submit your forms accurately and on time.
Nondiscrimination Testing
The IRS requires employers to carry out yearly nondiscrimination testing for all of their consumer-driven healthcare plans, such as Health Reimbursement Arrangements (HRAs), Health Savings Accounts (HSAs), and Flexible Spending Accounts (FSAs).
This testing aims to make sure that your benefits packages do not unfairly favor certain employees, such as those who earn the most money. All organizations offering these types of plans must carry out this testing to remain compliant. At BBG, our team specializes in carrying out these assessments and helping to identify risks before they turn into problems.
ERISA Compliance
The Employee Retirement Income Security Act (ERISA) has established some exacting health and retirement plan administration standards. Suppose your organization has 100 or more employees and offers ERISA-covered plans. In that case, you must prepare a summary annual report and maintain proper disclosures to protect your employees.
At BBG, our six-step benefits optimization strategy offers thorough support all year round to secure you are prepared to supply the required documents and that your processes remain transparent.
Streamlining Documentation With WRAP and SPDs
If you offer several types of benefits, consolidating them into a WRAP document will simplify your regulatory management while ensuring you meet the applicable ERISA requirements. These documents work alongside your Summary Plan Descriptions (SPDs) to provide clear information to your employees regarding their benefits.
Whether you’re a small business or a large corporation offering ERISA benefits, well-designed WRAP documents and SPDs are an important component of your compliance strategy that helps your employees understand their benefits package.
Form 5500 Filing
One essential ERISA reporting requirement is filing Form 5500 every year. This provides governmental oversight of your plan’s financial health. If 100 or more employees participate in an ERISA-covered plan, the penalties for failing to file this form accurately and on time can be harsh.
BBG offers a complete preparation and review process that can help you establish compliance, and a multi-year planning strategy for long-term success supports it.
Premium Only Plans (POPs)
Many businesses turn to Premium Only Plans (POPs) that allow their workforce to pay their insurance premiums with pre-tax dollars. This can help employees save money on taxes and reduce payroll taxes for the business.
However, using these plans requires keeping detailed documentation to meet IRS requirements. We can establish that your POP documentation is current while helping you make the most of the tax advantages offered by this approach.
Why Compliance Matters
Although compliance is often thought of as simply adhering to regulations, it is important to bear in mind that it is also a good way to strengthen your organization. Using strong compliance practices helps promote trust among your workforce while protecting you against many financial and legal risks. At BBG, we can develop practical strategies that suit your needs while ensuring regulatory requirements are met.
How BBG Supports Benefits Administrators Year-Round
At BBG, we are focused on supporting benefits administrators throughout the year. We provide same-day or next-day responses to all your compliance inquiries and exhaustive tools that help with non-discrimination testing and ACA reporting.
We also offer bilingual employee support, ongoing claims advocacy, and employee education resources. Our strategic multi-year planning lets you stay ahead of all the compliance deadlines you must contend with throughout the year.
Work With the Experienced Benefits Consultants at BBG
In 2025, benefits administration remains as complex as ever, and compliance plays a central role in protecting your organization and employees. Reach out to the experienced benefits consultants at Business Benefits Group to optimize your benefits program for the future and stay ahead of compliance requirements.
Contact us today to discuss your needs and find out how we can help you create a compelling and compliant benefits program that will serve you well into the future.
