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ALE and ACA affordability calculator
Screen applicable large employer status from full-time and part-time hours, aggregate commonly owned businesses, and test whether your current employee contribution is likely to clear the affordability threshold.
The counting rules behind the tool
What makes an employee full-time, how part-time hours convert into equivalents, which hours of service count, and the mistakes that produce a wrong answer.
What ALE status obligates you to do
The 50-employee threshold, the prior-year averaging rule, controlled group aggregation, the seasonal worker exception, and what changes once you cross the line.
ACA compliance checklist
A year-round operational checklist covering measurement, offer documentation, safe-harbor selection and the reporting cycle.
Funding model comparison tool
Side-by-side comparison of fully insured, level-funded and self-funded structures against cash flow, claims risk, data requirements and administrative burden.
Stop-loss evaluation worksheet
What to check in a specific and aggregate stop-loss contract before binding, including contract basis, lasers and run-in and run-out terms.