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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 for 2015. We can also help determine if the coverage offered is adequate and affordable, as defined by the ESR provisions, to avoid penalties.

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*For employers with 50 to 99 full-time employees, including full-time equivalent employees, there will be a one-year delay in enforcement of the provisions until 2016. Employers must meet certain conditions outlined in the regulations to qualify for the transition relief. Companies with 100 or more full-time employees, including full-time equivalent employees, are still subject to the ESR provisions in 2015. However, those employers who offer minimum essential health coverage to at least 70 percent of their workforce (instead of the previous standard of 95 percent) can avoid one of the potential ESR penalties. The relief may extend into 2016 for employers who have non-calendar-year health plans in effect prior to February 10, 2014.