If classification is questioned, the records have to be ready.
Hours, pay and offer records need to be kept in a form that can be produced and explained. Gaps are expensive in an inquiry.
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Good records are cheaper than reconstruction.
What Is Actually True
If a worker’s status or an ACA position is questioned, the agency has to show what it knew and did. Records reconstructed later are weaker than those kept as events happened.
The records that matter include hours of service, pay, offers made and elections.
What We Do About It
We set up a simple record system for hours, offers and elections so the data is available when needed.
We also describe how long to keep records and where they should live.
From scattered files to one record.
What We Need
Your current record locations and payroll exports.
What We Do
We design a simple structure and retention approach.
What You Get
A record checklist and a place for each item.
Questions on this topic.
Short answers for agency owners.
How long should records be kept?
It depends on the record and the rule. We give you a retention schedule to review with your attorney.
Where should they be stored?
Somewhere secure and consistent. We recommend a structure and leave the choice of system to you.
Who should be responsible?
One named person, with a backup.
General information, not legal or tax advice. Confirm the rules that apply to your agency with your attorney or tax advisor.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents, two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
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