Resources

Click the pdf icons below to download the related resource documents

pdf-iconYour Strategic Benefits Partner

An overview of how IBT Consulting works as your strategic benefits partner as opposed to the traditional broker model you may be accustomed to using.

pdf-iconHealthcare Benefits Roles Defined

Explains the roles of brokers, consultants/advisors, agents, and account managers in the healthcare benefits industry.

pdf-iconERISA Wrap Plan Documents

Explains what a wrap document is, along with the requirements and the risks of not having one.

pdf-iconForm 5500 Filing Requirements

Under ERISA, certain employee benefit plans must file Form 5500. This document explains the form, who must file, deadlines, and penalties. for not filing

pdf-iconHealth Reimbursement Arrangements

Explains what a Health Reimbursement Arrangement (HRA) is, different types of HRA's, employer responsibilities, compliance, and documentation requirements.

pdf-iconHealth Savings Account Requirements

Explains what a Health Savings Account (HSA) is, contribution requirements, payroll and tax considerations, and common pitfalls.

pdf-iconHMO vs. PPO vs. EPO

A guide designed to help you understand the differences between HMO's, PPO's, and EPO's so you can make an informed choice with confidence.

pdf-iconHealth Savings Account FAQs

Answers to some of the most frequently asked question about Health Savings Accounts (HSA)

pdf-iconPCORI Fees & Filing Requirements

Explains the Patient-Centered Outcomes Research Institute (PCORI) fee, how the fee is calculated, and who needs to pay.

pdf-iconSection 125 Premium Only Plan (POP)

Explains the Section 125 Premium Only Plan (POP) documentation requirements, who needs a Section 125 POP, and risks of not having it.

pdf-iconSummary Plan Description (SPD)

A Summary Plan Description (SPD) is a required ERISA disclosure document. This explains why it's required, who must provide it, and what it must include.

pdf-iconSelf-Funding White Paper

A guide for employers exploring the benefits of self-funded healthcare plans.

Compliance Review

The reporting and disclosure requirements for Health and Welfare Plans are complex and the list of requirements seems to get longer every year. Need help determining all of the reporting and disclosure requirements that apply to your plan? Contact IBT Consulting using the form below for a complimentary compliance review.


Transparency. Integrity. Results. — The IBT Consulting difference.