McGregor & Associates, Inc.

10/16/2026

10/15/2026

If your organization offers health, dental, vision, FSA, or HRA benefits, ERISA requires a compliant Summary Plan Description, and a Wrap Document is what pulls those required disclosures into one place. Without one, you risk DOL penalties. It's a common gap, and an easy one to close. Contact McGregor & Associates for a document review and straightforward ERISA guidance.

10/12/2026

Self-administering COBRA means living by the calendar. Employers generally have 30 days to report a qualifying event (60 days for employee-reported events like divorce), and the plan then has just 14 days to send the election notice. The windows are tight and the employer's penalties for missing them are quite steep. Let McGregor & Associates track the deadlines so your team doesn't have to!

10/08/2026

Sponsoring a QSEHRA comes with a firm deadline. You must give eligible employees written notice at least 90 days before the plan year begins, and that notice has to spell out the benefit amount, how it affects marketplace subsidies, and the consequences of not maintaining Minimum Essential Coverage. Miss that deadline and penalties can follow. McGregor & Associates keeps your QSEHRA notices accurate and on time.

10/06/2026

Offering a Flexible Spending Account isn't just a perk for your team. When employees pay for medical and dependent care costs with pre-tax dollars, the employer's F**A and payroll tax obligations go down too! It's one of the few benefits that lowers costs for everyone at the same time. Call McGregor & Associates to learn more.

09/28/2026

No group health plan and fewer than 50 full-time employees? A Qualified Small Employer HRA lets you reimburse staff for individual insurance premiums and eligible medical costs, with a 100% tax deduction on your contributions. It's a way to offer meaningful health benefits without the cost of a group plan. McGregor & Associates can help you set up a QSEHRA and stay compliant.

09/22/2026

To contribute to an HSA, employees must be enrolled in a qualifying High Deductible Health Plan. For the 2027 plan year, that will mean a deductible of at least $1,750 for self-only coverage or $3,500 for family, with out-of-pocket maximums capped at $8,800 and $17,400. Getting the plan pairing right is essential to keep contributions compliant. Rely on McGregor & Associates to help you structure it correctly from day one.