What is ERISA compliance?

ERISA (Employee Retirement Income Security Act) compliance means meeting the federal requirements for employee benefit plans, including health, retirement, and welfare plans. Covered employers must provide plan documents, Summary Plan Descriptions (SPDs), Summary Annual Reports (SARs), and timely notices to participants. Failure to comply can result in DOL penalties of up to $110 per day per participant.

What documents are required under ERISA?

ERISA requires employers to maintain and distribute several key documents: a Summary Plan Description (SPD), a Wrap Plan Document that consolidates all benefit plans, a Summary Annual Report (SAR), COBRA election notices, HIPAA privacy notices, ACA-required notices, and a Summary of Benefits and Coverage (SBC). ERISA Guide generates all eight major document types automatically.

How do benefits brokers stay ERISA compliant for their clients?

Benefits brokers help clients stay ERISA compliant by generating required plan documents (SPDs, Wrap Plans), tracking compliance deadlines, monitoring regulatory changes, and preparing for DOL audits. ERISA Guide provides AI-powered document generation, a compliance checklist, weekly regulatory scan alerts, and audit-ready reports — all in one platform designed specifically for benefits brokers.

How do I generate ERISA plan documents?

With ERISA Guide, you generate ERISA plan documents in three steps: (1) Add your client and enter their plan details, (2) Select the document type — Wrap Plan, SPD, COBRA notice, HIPAA notice, or others, (3) Click Generate and download a professionally formatted DOCX or PDF. The AI drafts the document using your client data and current regulatory requirements.

What is a Wrap Plan Document?

A Wrap Plan Document is a single ERISA plan document that "wraps around" all of an employer's welfare benefit plans (health, dental, vision, FSA, etc.) to satisfy the written plan document requirement under ERISA Section 402. It designates the plan administrator, names the plan sponsor, and incorporates the insurance carrier certificates by reference. Without a Wrap Plan, each benefit program must have its own ERISA-compliant plan document.

Does ERISA Guide offer a free trial?

Yes. ERISA Guide offers a 14-day free trial with no credit card required. During the trial you get full access to the platform including AI document generation, compliance tracking, and the regulatory update feed. Plans start at $29/month after the trial.

A BrokerToolbox.net product

ERISA Compliance, Simplified.

Generate wrap plan documents, run compliance gap analyses, and deliver audit-ready reports — without an ERISA attorney. Built exclusively for benefits brokers and HR professionals.

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ERISA Wrap Plan — Acme Corp

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SPD Review — Valley Health

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Compliance Score94%

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Benefits Professionals

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Faster Document Generation

100%

DOL Compliant

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Uptime SLA

Everything You Need for ERISA Compliance

Purpose-built tools that eliminate manual compliance work and protect your employer clients from costly ERISA violations.

ERISA Wrap Document Builder

Generate fully compliant ERISA wrap plan documents in minutes. Customize for each employer client, include all required benefit plans, and deliver professional PDFs — without engaging outside counsel.

IRS and DOL compliant wrap documents
Employer customization wizard
Multi-plan document support

ERISA Wrap Document Builder

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Compliance Gap Analysis

Run automated compliance gap analyses against current DOL and ERISA requirements. Identify exposure areas before an audit finds them and deliver a prioritized remediation roadmap to your clients.

Automated gap identification
Prioritized remediation checklist
Audit-ready summary reports

Compliance Gap Analysis

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Due Diligence Review

Conduct thorough due diligence reviews on employer benefit plans. Document your review process, flag compliance issues, and maintain a defensible record of your professional oversight.

Structured review workflows
Issue flagging and tracking
Defensible documentation trail

Due Diligence Review

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Printable Reports & Downloads

Export polished, client-ready compliance reports and plan documents as professional PDFs. Deliver branded outputs your employer clients will appreciate — and that demonstrate your expertise.

Professional PDF generation
Branded client-ready reports
Instant download and print

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Free Trial

$0/14 days

Full access to all ERISA Guide tools. View and create documents — printing and downloading available when you subscribe.

ERISA wrap document builder
Compliance gap analysis
Due diligence review tools
Document viewing & creation
Print & download reports
PDF export

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ERISA Guide

$29/per month

Full access including printing, downloading, and PDF export. Everything you need to serve your employer clients.

ERISA wrap document builder
Compliance gap analysis
Due diligence review tools
Document viewing & creation
Print & download reports
PDF export

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Full Suite

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$99/per month

The complete broker platform. ERISA Guide plus CRM, COBRA Shield Pro, PlanForm 125, and every future tool — one flat rate.

Everything in ERISA Guide
Broker CRM (full book of business)
COBRA Shield Pro automation
PlanForm 125 document builder
50-state carrier forms library
All future tools included

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ERISA Guide is just one tool in the BrokerToolbox. Upgrade to unlock the complete platform built exclusively for successful life & health insurance producers.

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Broker CRM — manage your entire book of business in one place

COBRA Shield Pro — automate DOL-compliant notices and deadline tracking

PlanForm 125 — generate Section 125 cafeteria plan documents in minutes

50-state carrier forms library — 44+ compliance and HR forms, instant download

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Have Questions? We're Here to Help.

Reach out with any questions about ERISA compliance, plan documents, or how ERISA Guide can support your practice.