Employer Shared Responsibility Services

Employer Shared Responsibility (ESR) provisions of the Affordable Care Act (ACA) state that large employers who have 50 or more full-time employees, including full-time equivalent employees (FTEs), could be assessed a significant penalty if they fail to offer their full-time employees and their dependents coverage that is deemed adequate and affordable.*

BeneTrac, the industry leader in web-based enrollment and employee benefits administration solutions, provides the BeneTrac Full-Time Employee Analysis Service to help clients prepare for and comply with the ESR provisions of the ACA.

Our employee-hour "look-back" capabilities help clients plan. We can also help determine if the coverage offered is adequate and affordable, as defined by the ESR provisions, to avoid penalties.

FTE Analysis

Full-Time Employee Analysis Service

With the employer shared responsibility (ESR) provisions of the Affordable Care Act in place, you as an employer face a complex and difficult task in tracking your full-time employee count to comply with the law's reporting requirements. The challenges you face include:

  • Determining the number of full-time employees you have, including full-time equivalent employees (i.e. seasonal and part-time employee work hours that total a full-time employee's)
  • Tracking your full-time employee hours during specific measurement periods outlined in the law's provisions
  • Managing changes in eligibility, part-time/full-time status, and which employees need to be offered coverage

BeneTrac's Full-Time Employee Analysis Service provides:

  • The framework and tools to establish a look-back measurement period for tracking employee hours
  • Modeling capabilities that help employers determine the impact of different measurement periods for tracking employee hours worked
  • A customized workflow to easily offer employees coverage who are now designated as "full-time" per the ESR provisions
  • Analysis of employee data to determine which variable-hour employees are full-time and should be offered coverage, or may subject employers to a potential penalty if not offered coverage
  • An on-demand look-back report to help employers identify and manage eligibility changes
Coverage Adequacy

Coverage Adequacy Service

With the employer shared responsibility (ESR) provisions' coverage and reporting requirements in place, you as an employer face a complex and difficult task in assessing the coverage you offer your full-time employees. You are required to:

  • Determine the number of full-time employees you have, including full-time equivalent employees (i.e. seasonal and part-time employee work hours that total a full-time employee's)
  • Test your coverage to see if it meets minimum quality and value standards as defined by the ESR provisions
  • Assess whether the coverage you offer is "affordable," according to your employees' wage data

BeneTrac's Coverage Adequacy Service provides a proactive tool to help clients meet the coverage adequacy standard through reporting solutions that offer:

  • If you are an applicable large employer (ALE), you must make the choice to offer coverage to your full-time employees and their dependents, not including spouses, or make a shared responsibility payment to the government on behalf of each full-time worker
  • Testing of current coverage for minimum essential coverage (MEC) and minimum actuarial value (MAV)
  • Affordability assessment, using all three affordability safe harbors to compare your current health insurance coverage data against your full-time employees' wage data
  • Calculation of any potential ESR penalties you face

Get Started Today

Experience proactive, personal support from your BeneTrac rep.

877-645-4342

Request a Demo
Get started today
graphic-promo-left.png

No one will out ROI you.

Total your savings with our ROI calculator.
graphic-promo-right.png

No one will out ACA you.

We can help you reduce hours, errors, and potential fines.