Plan Document Creation & Non-Discrimination Testing


The Employee Retirement Income Security Act (ERISA) requires that employers who offer welfare benefit plans to maintain a written plan document and summary plan description for each plan. These documents are a crucial part of any benefit program offered by employer groups as they communicate the plan benefits and how each plan operates. If an employer only provides a health plan and allows the employees to pretax the premiums, the employer is required to have a written Section 125 Premium Only Plan. Other employers may offer several benefits including an FSA and/or an HRA. Both of these plans require a written plan document and summary plan description. ERISA also requires that all private sector employers, regardless of size, to provide a summary plan description or “wrap document” to employees that encompasses all benefits being offered.


Our compliant document system includes this website interfaced with a proprietary system that generates custom documents for employers. The system allows you to select your desired document then complete a detailed list of questions that in turn generate a custom document for your business. The system provides an Employer, Agent and Administrator login for easy management, tracking and reporting. Customized brochures for employers and employees are made available on the customized site. The brochures are provided in a PDF format. All of the documents and discrimination testing compliance is reviewed by a nationally recognized law firm. All documents and discrimination tests are electronically stored within the system for later reference. The documents also include a date and time stamp of the original or any subsequent revisions.