MULTI-LINE COVERAGE
Medical, dental, vision, life, disability, voluntary
Six coverage lines under one plan design. Employees enroll once; carriers handle claims; your specialist handles escalations.
Allcarriers quoted · real quotes side by side
EMPLOYEE BENEFITS & COMPLIANCE
Full-service benefits.
Every carrier, every benefit line, in competition for your business. Real quotes side by side, never a take-it-or-leave-it renewal. ACA, ERISA, COBRA, and 5500 handled.
Carriers in our network nationwide
Cigna
Anthem
Aetna
Humana
UnitedHealthcare
Blue Cross Blue Shield
Guardian
MetLife
Allied Health
Principal
Guideline
Human Interest
Vestwell
ForUsAll
John Hancock
SUNZ Insurance
ZayZoon
Axiom Bookkeeping
The specialists who design and run your benefits.
Benefits director scopes plan design. Compliance lead owns ACA/ERISA filings. HR advisor handles employee questions before they hit your desk.
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Jennifer CBenefits Director -
Jenifer VHR Advisor -
LHLisa HBenefits Specialist
Plan design → enrollment → audit-ready compliance.
Three phases. Your specialist owns every step from quote through plan-year end.
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Phase 1
Plan design + carrier quotes
We take medical/dental/vision/life/voluntary to all carriers on your behalf and bring back real quotes. You see every option side by side, not just your current renewal.
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Phase 2
Open enrollment
Digital enrollment via the HRIS. Decision-support tools help employees pick. Elections flow to payroll deductions automatically.
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Phase 3
Ongoing compliance
ACA 1094-C / 1095-C, Form 5500, COBRA, Section 125, ERISA wrap document. Every filing handled. Audit-ready storage.
Questions about the process? Let’s talk →
What's covered under your benefits engagement.
Every filing, every form, every deadline. You see receipts, not to-do lists.
FULL-MARKET SHOPPING
Every carrier shopped on your behalf
Your specialist takes your headcount and plan to all carriers every renewal, using carrier relationships that earn competitive rates, and brings back real quotes side by side. You pick the winner; we handle the switch and enrollment.
Allcarriers quoted · side by side, every year
ACA COMPLIANCE
1094-C + 1095-C filed, ALE tracking handled
Measurement periods calculated, ALE determination documented, affordability run, 226J letters responded to. Every IRS ACA requirement owned.
19 yrsOn-time ACA filing · zero penalties
ERISA + SECTION 125
Wrap document, SPD, cafeteria plan, nondiscrimination
ERISA wrap drafted and maintained. Summary Plan Description current. Section 125 cafeteria plan doc in place. Nondiscrimination tests run annually.
Audit-readyDocument storage · versioned · exportable
COBRA + FORM 5500
Qualifying events, notices, annual filings
Termination triggers COBRA clock automatically via offboarding integration. Premium collection, continuation tracking, Form 5500 filed for every plan.
Jul 31Form 5500 filed every year · 19-year streak
OPEN ENROLLMENT
Decision tools, comparison, payroll deductions
Digital enrollment through HRIS. Decision-support tools show total cost of care + tax impact. Elections flow to payroll deductions automatically.
87%Avg employee participation · book-wide
See your benefits plan mapped against all carriers in 15 minutes.
Give us your headcount, state mix, and current plan. We'll shop all carriers and show you real quotes side by side vs. your renewal, with every compliance filing handled.
THE TRACK RECORD
87% participation. All carriers quoted. 19+ years of clean filings.
0%
avg employee participation
All
carriers quoted
0
yr
on-time 5500 streak
<1 hr
specialist response
“Hospitality margins are thin, so every dollar in benefits costs matters. VertiSource HR shopped our group health plans and found a plan at 22% lower cost, then moved us onto their PEO platform. I used to spend 12 hours a week on HR, now gone.”
Benefits connect to payroll, HRIS, and the general ledger.
Elections flow to payroll deductions the moment enrollment closes. Eligibility tracks against HRIS work-hour records. Premiums reconcile into Axiom bookkeeping every month.
Open-enrollment elections + mid-year changes post to payroll deductions automatically. No double entry.
Eligibility calculations driven off hire date + hours; dependents and beneficiaries on the employee record.
Premium invoices reconcile against payroll deductions every month. Monthly broker commissions ledgered.
Qualifying events trigger COBRA notices within ERISA deadlines; continuation tracked through wind-down.
Want this for your team? Let’s talk →
FAQ
Benefits questions employers ask us
We shop the full market for you. Your specialist takes your group to all carriers every renewal, collects real quotes, and lays them side by side against your current plan. You choose; we handle the switch, enrollment, and every compliance filing. No single-carrier, take-it-or-leave-it renewal.
1094-C / 1095-C filing, measurement-period tracking, ALE determination, offer-of-coverage documentation, and affordability calculations. If the IRS issues a 226J letter, your specialist handles the response.
Digital enrollment through the HRIS. Employees see plan options with decision-support tools (total cost of care, tax impact). Elections flow to payroll deductions automatically. No enrollment-week chaos.
Self-service in the HRIS. Marriage, birth, divorce, job loss for a spouse: employee submits supporting documentation, specialist reviews, carrier updated within the 30-day window.
Yes. Qualifying event notices, premium collection, continuation tracking, termination: all handled per ERISA. Integrated with offboarding so termination triggers the COBRA clock automatically.
Summary annual reports per plan, Schedule A (carrier data), Schedule C (service provider fees), and Schedule H / I where applicable. Filed by July 31 (or extension) every year.
Still have a question? Let’s talk →
Your next open enrollment starts here.
Talk to a benefits specialist who has designed plans for 500+ small employers. All carriers quoted. Real quotes side by side. Every compliance filing handled.