One engagement.
No handoffs.
Everything from data intake through IRS resolution. Year-round, under one engagement, run by one team. The whole operation, not a stack of vendors.
What you give us, what we give back.
You send us your payroll and benefits data. That’s it. No templates to populate. No coding decisions to make. No reformatting. No reconciliation between systems.
We handle everything after. Data normalization, compliance analysis, federal and state filings, employee furnishing, penalty exposure review before every filing season, and IRS correspondence on every return we prepared — for the length of the engagement, year over year.
What’s included.
A Fully Managed engagement runs for twelve months and renews annually. Across that period, the engagement includes:
- →Annual federal filing — 1094-C preparation, 1095-C generation, AIR transmission, employee furnishing.
- →State filings for California, New Jersey, Rhode Island, and Washington D.C.
- →Affordability safe harbor calculation and per-employee optimization.
- →Aggregated ALE and controlled group analysis.
- →ALE determination and FTE math.
- →Measurement period structuring and look-back administration.
- →Penalty Exposure Assessment before every filing season.
- →IRS letter response on any return prepared during the engagement.
- →Year-round practitioner availability for compliance questions.
Why employers consolidate.
Most ACA penalty assessments don’t come from sloppy work. They come from handoffs. The payroll vendor exports data one way, the benefits broker reconciles it another way, the filing vendor formats it a third way, and the penalty-letter consultant doesn’t have the historical data when the IRS asks for it eighteen months later. Every handoff between vendors is a place where context is lost. Penalty assessments live in the spaces between vendors.
The data that flows through filing is the same data that determines affordability strategy, the same data that defines controlled group composition, the same data that’s referenced when an IRS letter arrives. When the team holding that data is the same team filing the return, advising on structure, and responding to the IRS, the work compounds. When it’s not, every step starts over.
A Fully Managed engagement is structured as an ongoing relationship, not a transaction. Year over year, our team learns your workforce, your benefit structure, your edge cases, your acquisitions, your seasonal patterns. The second filing season is materially better than the first. The third is better than the second. That compounding is the actual product.
Who consolidates.
Fully Managed engagements suit employers who’ve stopped trying to thread the needle between payroll providers, benefits brokers, IRS letter consultants, and state-filing vendors — and who’ve decided they’d rather hire one firm to own the outcome. Most fully managed clients arrive after a 226-J letter, an audit, or a filing season that revealed how many seams there were in the existing setup. Some arrive before any of that, because they prefer to operate that way from the start.