HR Services · Compliance
Compliance mistakes are expensive. Avoiding them shouldn't be.
ERISA, COBRA, ACA, HIPAA, FMLA — the rules are complex, constantly changing, and unforgiving. JS Benefits Group gives you a dedicated expert in your corner who keeps your plan compliant, your documentation airtight, and the IRS off your back.
$3,340
2026 ACA penalty per full-time employee, §4980H(a)
$5,010
2026 ACA penalty per affected employee, §4980H(b)
5+
Major regulations we help you manage
6
States served: PA, NJ, NY, DE, MD & nationwide
Why it matters
One missed notice can cost more than a year of premiums.
Benefits regulations are detailed, time-sensitive, and enforced. A late Form 5500, an unaffordable ACA offer, or a mishandled COBRA notice doesn’t just create paperwork — it triggers penalties that compound by the month and by the employee.
The 2026 cost of getting it wrong
ACA §4980H(a) — failure to offer coverage
$3,340/ee/yr
ACA §4980H(b) — unaffordable / non-MV coverage
$5,010/ee/yr
Late or missed ERISA Form 5500 filing
$2,739/day
HIPAA violations (per incident, tiered)
$$$
2026 IRS figures (Rev. Proc. 2025-25). DOL Form 5500 penalty is the current daily maximum. Actual exposure varies by headcount and circumstances; we’ll help you calculate yours.
What we offer
Full-spectrum compliance, offered to you.
JS Benefits Group offers these services to keep you compliant. We can provide the documents, notices, disclosures, filings, and ongoing monitoring that keep your benefits program defensible — so your HR team can stop chasing regulations and get back to running the business.
ERISA
- Customized Wrap Documents & SPDs
- SMM and SAR preparation
- Required participant notices
- Recordkeeping & document retention
- Form 5500 filings
- Ongoing monitoring reports
COBRA
- Enrollment notification & assistance
- Premium collection
- Required participant communications
- Claims support
- Required filings
- Ongoing monitoring reports
HIPAA
- Proper PHI release authorizations
- Claims kept HIPAA-protected
- Employee information safeguards
- Privacy & security best practices
- Employer monitoring reports
ACA & Healthcare Reform
The Affordable Care Act’s rules shift every year, and so do the penalties. We can track full-time status, test affordability against the 2026 threshold (9.96%), prepare and file Forms 1094-C and 1095-C, and give you the analysis, reporting, and documentation to prove compliance — and respond confidently if the IRS ever asks.
- FT status tracking
- Affordability testing
- 1094-C/1095 C-filing
- Letter 226-J response
- Ongoing reporting
Other Compliance
From leave administration to tax-advantaged accounts to the regulations that touch hiring and accommodation, we can help keep the rest of your obligations covered and current.
- FMLA
- Section 125 )FSA-HSA-HRA)
- CHIPRA
- GINA
- EEOC
- ADA
Day-to-day administration
We don't just place your plan.
We have Fractional HR services that can run it for you — streamlining the administrative work that fills your week and putting technology to work so multiple carriers and plans feel like one.
01
Enrollment, handled
02
One source of truth
03
Consolidated billing
04
Reconciliation
The JS Benefits difference
Why employers trust us with compliance.
We’re not your typical broker. The ideal benefit plan is only part of what we do; we stay with you every step of the way to keep it compliant and running smoothly.
- A dedicated team that knows your plan, not a call-center queue
- Every required document, notice, and disclosure — we can prepare it for you
- Proactive monitoring so deadlines never sneak up on you
- Fractional HR services to run the day-to-day for you
"We're with you every step of the way — not just when you sign, but every renewal, every audit, and every regulation that changes in between."
JS Benefits Group
Employee Benefits & HR Consulting · Newtown, PA
Request services
Find out where your plan stands.
Tell us which areas you’re concerned about — COBRA, ERISA, HIPAA, ACA, or something else — and we’ll show you exactly where your exposure is and how to close it. No pressure. No obligation. Just clarity.
