Fully Managed ACA Compliance Infrastructure
Not a SaaS tool you figure out yourself. A complete operating system for ACA compliance, managed by specialists who have done this at scale.
Three Engines. One Integrated System.
BEAM, PRISM, and LENS are not separate products. They are components of a single compliance infrastructure. No engine operates in isolation. Every client engagement runs through the full stack.
PRISM — The ACA Compliance Core
PRISM is the compliance logic engine at the center of everything we do. It applies the ACA rules as written: measurement methodology, eligibility determination, offer-of-coverage coding, and affordability safe harbor calculations.
When your data enters PRISM, it exits as fully coded, IRS-ready ACA returns. Line 14 offer codes. Line 15 employee contribution amounts. Line 16 safe harbor indicators. All calculated from your actual benefit and payroll data.
- ✓ Monthly Measurement and Look-Back Measurement Method support
- ✓ Full Line 14 offer code logic (1A through 1K, including conditional spousal 1J/1K)
- ✓ Line 16 safe harbor coding (2A through 2H)
- ✓ Rate of Pay, W-2, and Federal Poverty Line affordability safe harbor calculations
- ✓ Self-insured Part III dependent tracking and Form 1095-C generation
- ✓ ALE group and aggregated employer analysis
- ✓ Form 1094-C aggregate section including authoritative transmittal logic
- ✓ IRS AIR electronic filing via TY2025 schema
- ✓ State ACA filing where required
Compliance Logic You Can Rely On
PRISM was built from the ground up by ACA specialists. Every rule, every edge case, every safe harbor was coded from the source: the statute, the regulations, and years of real enforcement experience.
BEAM — Data Intake and Normalization
Most ACA compliance failures start before anyone looks at a single offer code. They start with bad data. Inconsistent status fields. Missing monthly hours. Incomplete termination dates. Systems that don't speak the same language.
BEAM solves this at the source. It ingests your raw payroll or HRIS export, maps your fields to our ACA data schema, flags anomalies before they become errors, and delivers a clean, validated dataset ready for PRISM.
You do not need to reformat your data. You do not need to populate a template. You send us what you have.
- ✓ Accepts exports from ADP, UKG, Workday, Paychex, and custom HRIS systems
- ✓ Intelligent field mapping via rule-based and AI-assisted normalization
- ✓ Blocking issue identification before compliance logic runs
- ✓ Data quality report with per-employee deficiency detail
- ✓ No client-side formatting, templates, or manual steps
- ✓ Full session audit trail for SOC 2-aligned data handling
Any Data In. Clean Data Out.
BEAM stands for Bridging, Extraction, Alignment and Mapping. It is the layer that eliminates the most common reason ACA filings fail: garbage in, garbage out.
LENS — Liability and Risk Intelligence
Filing accurate forms is the floor. Knowing your risk exposure before you file is the ceiling. LENS is the validation and intelligence layer that sits between compliance and submission.
LENS runs two distinct analyses. AIR identifies technical and schema issues that could cause IRS rejection. WAVE calculates your actual 4980H(a) and 4980H(b) penalty exposure based on your workforce, offer coding, and enrollment data. Combined as AIRWAVE, it is a complete pre-filing risk report.
Code and Schema Validation
Catches coding conflicts, invalid indicator combinations, missing required fields, and schema violations before submission to IRS AIR.
Penalty Exposure Analysis
Identifies which employees, months, and plan years carry 4980H(a) or 4980H(b) risk and quantifies potential penalty amounts.
The combined AIR + WAVE output. A complete risk picture delivered to you before a single form reaches the IRS. This is the report that gives you time to fix problems, not respond to penalties.
See Your Risk Before the IRS Does
The IRS has your data. They know what your filing should say before you submit it. LENS gives you the same view so you can correct issues while you still have the ability to do so.