Plan documents, done right.
Who we are
For more than 30 years, Real Benefit Solutions has helped employers across Idaho and the Mountain West build and manage their benefit programs — group medical, dental, vision, life, disability and supplemental coverage. From our office in Pocatello, we shop the market every year, sit on the employer’s side of the table, and keep the paperwork behind the benefits as sound as the benefits themselves.
Why compliance matters
A benefits program isn’t finished when the policies are placed. Federal law requires every employer plan — even a two-person group — to be maintained under a written ERISA plan document and summary plan description, and pre-tax payroll deductions are lawful only under a written Section 125 cafeteria plan adopted before the plan year begins. Missing documents are among the first things a Department of Labor audit asks for, and the exposure lands on the employer: document penalties that accrue per day, per person, and pre-tax withholding that can be unwound as taxable wages.