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Sarah Borders
- Jan 23, 2023
- 2 min
Wraps vs POPs (2/3): What's a POP doc, and who needs one?
The IRS Section 125 rules apply to every employer that lets employees pay for benefits with pre-tax dollars. These rules say that...
Sarah Borders
- Jan 16, 2023
- 2 min
Wraps vs POPs (1/3): What's the difference? Who needs them?
Beyond requiring that a plan “be established and maintained pursuant to a written instrument,” ERISA does not say exactly what...
Sarah Borders
- Jul 27, 2022
- 0 min
Sarah Borders
- Aug 19, 2021
- 1 min
Filed your 5500? Great! Now don't forget this!
Employers and Brokers are getting better at making sure 5500’s get filed properly. But there’s another requirement that follows shortly...
Sarah Borders
- Jul 9, 2021
- 0 min
Sarah Borders
- Feb 18, 2021
- 1 min
2020: Record-breaking ERISA enforcement
Today's video detail's the DOL's recent report on fines, penalties, and recoveries in 2020 from the EBSA. It was a record-breaking year...
Sarah Borders
- Jul 20, 2020
- 0 min
Clarification on Form 5500 filing extensions
In today's quick video, I provide clarification on form 5500 extensions that have been announced to help employers struggling with the COVID
Sarah Borders
- Jun 8, 2020
- 2 min
The number one issue we see with employers
It’s extremely common for employers to offer benefits to employees who are on some sort of non-FMLA leave of absence. While there’s...
Sarah Borders
- Nov 26, 2019
- 2 min
Can an employer allow pre-tax premium payments for employees’ worksite products?
Beginning back in 2014, cafeteria plans cannot be used to pay pre-tax premiums for individual health policies that provide major medical...
Sarah Borders
- Nov 21, 2019
- 3 min
Can an employer implement a Spousal or Dependent Surcharge or Exclusion?
Let's start by clarifying: there is a significant difference between a spousal/dependent surcharge and a spousal/dependent exclusion or...
Sarah Borders
- Sep 10, 2019
- 1 min
Summary Annual Report for Calendar Year Plans Due 9/30
The Summary Annual Report (SAR) must be given to plan participants within 9 months of the end of the plan year if the employer had to...
Sarah Borders
- Jul 14, 2019
- 2 min
Summary of Material Modifications: What is it, who has to do it, and when is it due?
A summary of material modification (SMM) is required anytime there’s a “material” change to the SPD. The guidance doesn’t describe what...
Sarah Borders
- Jul 8, 2019
- 2 min
Form 5500s due 7/31 for 2018 calendar year plans
Employers must file Form 5500 by the last day of the 7th month following the last day of the plan year. This means plans that began Jan...
Sarah Borders
- Jun 25, 2019
- 1 min
Small employers are not exempt from ERISA
Almost all private-sector employers that have a welfare benefit plan for their employees are subject to ERISA’s requirements, with only...
Sarah Borders
- Apr 7, 2019
- 1 min
Who is a Fiduciary under ERISA?
Every ERISA plan has to have a “named” fiduciary who is the person responsible for plan administration. However, named fiduciaries are...
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