Morris & Garritano remains at the forefront of the industry, keeping abreast of ever-changing federal and state legislation to provide you with a detailed understanding of the laws, regulations, and standards you need to keep your benefits plan compliant.
Contact us at compliance@morrisgarritano.com with questions or to discuss your specific operations.
Compliance Monitoring and Management
Our benefit compliance services include continuous monitoring and information sharing about laws, regulations, and guidance related to the Affordable Care Act (ACA), COBRA, HIPAA, ERISA, USERRA, flexible spending accounts, cafeteria plans, Form 5500 annual reporting requirements, Section 105 medical expense reimbursement programs, etc.
Compliance Assessment
In addition to monitoring and communicating regulatory requirements, when a need is identified – whether during onboarding or growth – we provide clients with a comprehensive compliance assessment. We will use the findings of your assessment to help you mitigate risk and resolve any immediate issues. We then map and manage a strategy to help your benefits plan remain compliant, year after year.
Navigating Affordable Care Act (ACA) requirements doesn’t have to be complicated. Our ACA Readiness page brings everything you need into one convenient place – key deadlines, explainer videos, calculators, and expert resources – all designed to help you manage Determination, Affordability, and Reporting with ease. Reporting is only required for Applicable Large Employers (ALE) – those who average at least 50 full-time employees, including full-time equivalent employees, in the prior calendar year – or those with a self-funded medical plan.
Visit the ACA Readiness page to access tools, resources, and training to keep you ahead of the curve.
Providing timely updates on federal and state legislation that may impact your employees or operations, our Compliance Advisors are a trusted and valuable resource for businesses of all size.
Our Compliance Calendar is created to help you stay on top of important due dates throughout the year. It includes calendar reminders and links to necessary forms. Keep in mind the dates included are based on an ERISA plan calendar year and may vary depending on your plan year.
Is your organization receiving the support that it needs? Use this scorecard to evaluate the current state of your Compliance practices to learn if they are well established or could use some additional guidance.
Cafeteria plans are benefits packages governed by IRS Code Section 125 which allow employers to help their employees pay for expenses, such as health insurance, with pre-tax dollars.
Notices, updates, and alerts impacting your coverage and policy are an important part of your comprehensive understanding. Keep track of issued notifications and relevant information here, complied for your convenience.
Ensure your organization stays compliant with Medicare rules. Distribute the required Medicare Part D Creditable Coverage Notice to all Medicare-eligible participants by October 14, 2026 to help them avoid late enrollment penalties and meet federal requirements.
Overview of ACA affordability requirements for employer-sponsored health coverage, including annual percentage thresholds, IRS safe harbors (FPL, Rate of Pay, Form W-2), and key factors affecting employee contributions such as flex credits, opt-out incentives, and wellness programs.
The IRS released the 2027 health savings account (HSA) annual contribution limits and high deductible health plan (HDHP) requirements in IRS Rev. Proc. 2026-24.
In early January 2026, the U.S. Department of Health and Human Services (HHS) and the Centers for Disease Control (CDC) released major updates to the childhood immunization schedule, marking one of the most significant changes in decades.
Medicare Part D: Plan Sponsors Must Complete Disclosure to CMS by March 1. Learn more in this latest Compliance Advisory.
A successful ACA compliance strategy starts with understanding whether your organization qualifies as an Applicable Large Employer (ALE). This determination shapes your reporting obligations and sets the foundation for everything that follows. To help you approach this step with confidence, we’ve created a short explainer video and curated resources that walk you through the process and provide tools for accurate calculation.
Overview of ACA Applicable Large Employer (ALE) status requirements, featuring FTE calculations, seasonal worker guidelines, controlled group rules, and merger or acquisition effects.
In October, the IRS announced 2026 penalties for failure to file or furnish ACA reporting and issued 2026 cost-of-living adjustments for several provisions of the Internal Revenue Code that affect employer-sponsored benefit plans. ERISA welfare plans with 100 or more participants had to file Form 5500 within seven months of the plan year’s end, with an optional extension to October 15.
The IRS announced 2026 limits for Health FSAs and Qualified Transportation benefits, increasing employee contribution and carryover amounts.
What "covered" should feel like.
What "covered" should feel like.
What "covered" should feel like.
What "covered" should feel like.
What "covered" should feel like.
