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Certain employee benefit arrangements maintained by private employers are subject to nondiscrimination testing to ensure that the benefits offered under the arrangement do not disproportionately favor highly compensated and key employees.  These rules generally apply to self-funded health plans, cafeteria plans and retirement plans. Our professionals are experienced in testing self-insured health plans for compliance with the rules set forth under Section 105(h) of the Code, as well as performing the key employee concentration test for cafeteria plans.

Trest’s nondiscrimination testing services with respect to retirement plans, includes minimum coverage testing, the average benefits test, the general test and the ADP/ACP tests for plans with an elective deferral feature.  We also recommend plan designs that allow the plan to avoid annual testing, such as safe harbor 401(k) plans, simple cafeteria plans, or design plans to use a design based safe harbor permitted under the Code, such as uniform allocation of profit sharing contributions.  We also analyze affiliate service group and controlled group status, as well as whether a client has separate lines of business.

COBRA Administration

When you choose COBRA compliance via our comprehensive and efficient administration service you enjoy considerable cost savings over administering COBRA in-house. We use highly sophisticated and reliable software that tracks COBRA continuation coverage eligibility.

FSA/DCAP Administration

We take the administrative burden out of offering a reimbursement program. We manage all aspects of administration and work closely with employers to ensure complete satisfaction, including seamless implementation, accurate ongoing administration, and dependable compliance.

Retiree Support and Billing

As baby boomers age, retiree numbers climb. It’s a challenge to help this influx of retirees deal with rising healthcare costs. Our retiree billing truly complements your overall healthcare benefits strategy. This employee benefits administration service ensures accuracy and timeliness while reducing demands on your Human Resources staff.

QDRO Administration

We administer QDROs from start to finish and ensure that all Order comply with the provisions of the plan and applicable law, and are capable of administration.The employer virtually has no role in the process, which is highly desirable.

Forms 5500

Penalties for failure to comply with IRS regulations can be costly. Trest has the skill and experience to satisfy Form 5500 filing requirements for your employer-sponsored health and welfare benefits.

ERISA Compliance

Trest ensures that your plan complies with ERISA’s ever changing requirements in order to avoid costly audits and litigation. Trest manages all necessary documents, forms, and record keeping.

HIPAA Compliance

Trrest’s HIPAA Compliance service removes employee burden to research need and create documents. We provide the various required documents, and our pre-recorded presentations help outline responsibilities for staff.