Managing an employee benefits program involves compliance with a multitude of federal, and state laws. The risks and consequences of noncompliance continue to grow, especially with the Affordable Care Act (ACA), and if you have ever been subject to a DOL Audit you know that they can be unforgiving and costly.


Receive compliance alerts plus invitations to webinars and live events.

Our in-house compliance team works hand-in-hand with the law firm of Marathas, Barrow and Weatherhead, LLP to provide you with up to date information on new healthcare legislation including ERISA, COBRA, HIPAA and the Internal Revenue Code.

You will feel relief knowing that you are in compliance with all regulatory standards and prepared for the inevitable DOL audit.

Compliance Services include the following:

  • Comprehensive Initial Compliance Audit
  • Ongoing legislative updates including PPACA
  • Timely Distribution of all mandated documentation (SPDs, SMMs, SBCs, 1094 & 1095s, etc.)
  • DOL Audit Support
  • Signature ready 5500s / Standard Form Schedule A
  • Summary Annual Report (SARs)


  • Medicare Part D notification and integration
  • HIPAA compliance
  • Creation of Summary Plan Descriptions (SPD) & Summary Material Modifications (SMM)
  • Compliance updates via email
  • Monthly Webinars
  • Compliance Checklist


RBA recognizes the importance that our clients understand the implications this law may have on their workforce and their approach to employee benefits. The ACA includes a number of regulations that have a major impact on employer-sponsored health care coverage. Some of these regulations set certain parameters around health care plan coverage and administration while others may have a financial and/or compliance impact.

Relph Benefit Advisors’ role has been to assume the responsibility to implement the measures and standards of the ACA law to include:

  • Employer Coverage Requirements
  • Employer Mandate
  • Assessing Variable Hour Employees
  • Reporting Requirements
  • Health Insurance Marketplace
  • Individual Mandate


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Take a look at an actual letter from the Department of Labor.

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Lisa Allen can help you get prepared.

“We received an IRS Penalty Letter 226J for our 2015 ACA filing. The penalty amount was $845,000! Even though we did our reporting through our payroll, I immediately reached out to Relph Benefit Advisors for help. Lisa dropped everything and researched not only the “A” penalty but also did the background work on the “B” penalty. Lisa was in my office the very next day and we discussed our options and responses and we followed her recommendation. Lisa crafted our response Statement, completed the 14764 and re-coded all employees on the 14765. We received our response back from the IRS via Letter 227K which Lisa says is the “golden ticket”. The IRS released us from both the A and B penalty assessment, our penalty was reduced to $0.

I can’t begin to thank Lisa enough for the support and guidance she offered throughout this extremely frightening experience – she is awesome!!”

Christa Hartigan, Director of Human Resources at The Arc of Livingston-Wyoming

“I have been going to meetings and conferences for 20+ years and have seen many, many speakers.  I always look forward to seeing Lisa Allen speak about issues that affect HR, Risk and Compliance.  Lisa is an expert in her field and I always learn something useful to take back to the office.  Not only does she really know what she is talking about, Lisa also makes it fun and keeps the audience engaged.  It is evident that Lisa has a passion for her work and her stories and lessons are relevant to every one in the audience.”


Jean M. Clouse, SHRM-CP, PHR, Human Resources Manager, St. Lawrence Federal Credit Union

My daughter is visiting from Germany. She has Foreign Service health insurance which is great on German soil – not too great here. She became extremely ill and I recalled reading somewhere that any family member could use Teledoc. When she hit the second day of a 102 – 103-degree temperature, I knew we had to get help. Of course, it never occurred to me to list her as a dependent when I was signing up and I didn’t know quite how to proceed or if it was even an option.  I gave Relph Benefit Advisors a call for some advice.

Not only did the RBA Rep give me great advice, she helped me get IMMEDIATE service from Teledoc.  That is over and above customer service. You can argue it is because we have worked together and she knows who I am, but I am going to tell you that she would have done this for any of our staff members who have Teledoc (which is a GREAT benefit anyhow – we were staring down the barrel of a couple of hundred dollars for an after hours clinic and who knows how much for an emergency room if the clinic wouldn’t see her).

You are very fortunate to have a person who understands customer service working for you in this capacity.  We are very fortunate to have a person who understands customer service assigned as our representative.

Thank you for ALL the time you invest on the topics that guide our jobs.

Margaret Fitzgerald Benefits Manager, Homestead Funding

“R-Solution provided a seamless enrollment process this year. Everything went very, very smoothly. The system is very user-friendly and easy to use.”

Tammy Slayton Director of Human Resources, Seneca-Cayuga Arc

“Evidence shows that workplace health programs have the potential to promote healthy behaviors; improve employees’ health knowledge and skills; help employees get necessary health screenings, immunizations, and follow-up care; and reduce workplace exposure to substances and hazards that can cause diseases and injury.”

United States Department of Labor

“Over the past couple of years, our Company has undergone two Department of Labor audits related to employee benefits. In both cases, Relph Benefit Advisors helped us in gathering the information and presenting to the DOL. Their expert approach and quality people made a difficult task manageable.”

Lou Bellina Director of Human Resources, Superior Plus Energy Services

“Wanted to take a minute to thank you for all your work with our renewals, open enrollment and our meetings yesterday. It is truly a pleasure to work with you and I totally appreciate your good work and professionalism.”

Luann Zaleski CEBS Benefits Manager, Hamilton College

“R-Solution provided a seamless enrollment process this year. Everything went very, very smoothly. The system is very user friendly and easy to use.”

Tammy Slayton Seneca-Cayuga Arc

“There was a certain amount of anxiety as the end of the year approached and we knew that as an organization we had to comply with the ACA reporting guidelines and deadlines.

Our minds were quickly eased. Relph Benefit Advisors did a fantastic job with the 1095-C reporting. They kept us in the know during the whole process, from the initial data file all way through to the day they were being mailed.

We could not have asked for more.”

Margaret Fitzgerald Benefits Manager, Homestead Funding

“Hi Adora, I just wanted to let you know and pass the word on to the Relph people that the enrollment web site was one of the easiest and user friendly that I have ever used. It was great not to be lost after a couple of clicks. Again thank you for all you do to make sure that we are taken care of. — Cathy Parmeter”

Adora Lester Benefits Coordinator, The Arc Madison Cortland