Blog & Resources

In benefits compliance, knowledge isn’t just power; it’s trust. Discover how building a culture of continuous learning helps agencies strengthen relationships, stay compliant, and stand out with BCS Transform.

Health insurance carriers must issue Medical Loss Ratio (MLR) rebates by September 30. Brokers should remind employers that they have 90 days to decide how participant portions are handled. Learn the rules, options for distribution, and how to guide clients through this compliance step during busy Q4.

The IRS Section 125 rules apply to every employer that lets employees pay for benefits with pre-tax dollars. These rules say that...

Beyond requiring that a plan “be established and maintained pursuant to a written instrument,” ERISA does not say exactly what...

Employers and Brokers are getting better at making sure 5500’s get filed properly. But there’s another requirement that follows shortly...

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...

In today's quick video, I provide clarification on form 5500 extensions that have been announced to help employers struggling with the COVID

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...

Beginning back in 2014, cafeteria plans cannot be used to pay pre-tax premiums for individual health policies that provide major medical...

Let's start by clarifying: there is a significant difference between spousal surcharges and spousal carve-outs. Let's learn more.

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...

A summary of material modification (SMM) is required anytime there’s a “material” change to the SPD. The guidance doesn’t describe what...

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...

Almost all private-sector employers that have a welfare benefit plan for their employees are subject to ERISA’s requirements, with only...

Every ERISA plan has to have a “named” fiduciary who is the person responsible for plan administration. However, named fiduciaries are...