Through an industry-first partnership with RTO Benefits, ftwilliam.com’s is offering access to welfare plan documents and non-discrimination testing through RTO’s EnsuredCompliance® Solution.

There are nine different non-discrimination tests that can be applicable to a Section 125 plan. Some tests are related to eligibility and availability of benefits, and other tests are based on actual benefits elected (utilization).

The tests offered in the EnsuredCompliance software are as follows:

The Section 125 Cafeteria Plan

1. Eligibility Test

2. Contributions and Benefits Test

3. Key Employee Concentration Test (utilization)

For a Health FSA included in the Section 125 Plan

4. Eligibility Test

5. Benefits Test

For a Dependent Care FSA (DCAP) included in the Section 125 Plan

6. Eligibility Test

7. Contributions and Benefits Test

8. More-Than-5% Owners Concentration Test (utilization)

9. 55% Average Benefits Test (utilization)

ftwilliam.com offers welfare plan non-discrimination testing either via an annual subscription or on a per-test basis performed by RTO Benefits. 

Compliance Assurance & Support

Legal review and compliance assurance for documents and non-discrimination tests is performed regularly by the law firm Jackson Lewis P.C.

In partnership with

  • RTO Benefits logo

Discover how ftwilliam.com can work for your business.

Schedule a demo today.
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