Everyone’s talking about the insurance rate explosions, which seem to increase every year. But while you’re focused on managing costs, Washington is preparing a wave of new regulations and reporting requirements. These hidden compliance costs can hit your bottom line just as hard as any premium hike.
The good news? You don’t need to become a compliance expert. That’s what a true partner is for.
The Hidden Compliance Trap Headed Your Way
The days of simple benefits administration are over. Today, missing a deadline or filing the wrong form can trigger serious financial penalties. This is a risk you cannot afford to take.
- Bigger Penalties: COBRA violations, missed employee notices, and late filings carry daily fines that can quickly exceed your monthly insurance premiums.
- Data Hunting: New government reporting requirements demand more data on your benefits. Every report is a chance to make an expensive mistake.
- Notice Overload: Your employees need timely, official notices about everything from coverage options to deadlines. Miss one required communication and you expose your business to fines and potential lawsuits.
Here’s the reality: You’re running a business. You don’t have time to decode IRS reports, track multi-jurisdictional laws, and stay current on every benefits law change. And you shouldn’t have to.
The NARFA Difference: Full Compliance Protection Built In
Some brokers give you a checklist and wish you luck. NARFA builds compliance into our partnership, protecting you year-round.
1. FREE Complete COBRA Administration
COBRA alone is a substantial compliance nightmare. Qualifying events, tight notice deadlines, premium collection; one slip can lead to major fines.
For NARFA members, we handle every bit of it:
- FREE COBRA Administration. No hidden fees.
- Processing of all qualifying events.
- Timely drafting and mailing of required notices.
- Managing premium collection and documentation.
2. Year-Round Proactive Monitoring
While you focus on your business, we focus on keeping you compliant with federal and state regulations.
- New Notice Requirements
- Reporting Deadlines
- Monitoring Potential Issues
3. We Are Your Compliance Shield
When questions come up, you need fast, reliable answers, not legal jargon.
- Employee calls with COBRA questions? They call us.
- Confusing government notice arrives? Forward it to us.
- Compliance question emerges? We are your first and only call.
Stop Gambling With Your Business
2026 brings more scrutiny. Agencies are looking for more ways to enforce, and employees will be quicker to complain. You simply cannot afford compliance mistakes when everyone is looking for them.
Your NARFA Membership Provides Complete Protection:
- Complete COBRA administration (FREE)
- All required employee notices handled
- Government reporting support
- Year-round compliance guidance and monitoring
- Trust Representatives who provide clear, immediate answers
You built your business by focusing on what you do best. Don’t let bureaucracy derail that success.
Get compliance protection before you need it.
Contact NARFA today. The best time to prepare for compliance issues is before they happen.
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