Most firms show up in January to file forms, or after a Letter 226-J lands on your desk. We do it the right way around: monthly monitoring, real eligibility tracking, and clean year-end filings. The IRS never has to introduce itself.
Monthly compliance is what we're built for. Penalty response and year-end filings come standard — because real protection means showing up before, during, and after.
We don't wait for problems to surface. Our team continuously tracks your workforce for eligibility risks and flags issues before they become penalty letters.
Already received a Letter 226-J or 5699? We've been here before. We build your case, prepare your response, and fight to reduce or eliminate what you owe.
Every 1094-C and 1095-C, reviewed by hand, filed on time, coded correctly. You sign off — we do the rest. No auto-generated guesswork.
A simple, proven process designed to be hands-off for you and meticulous for us.
We pull your payroll data directly into our ACA tracking system — no manual spreadsheets, no data entry errors. Every eligibility decision is based on accurate, current information.
Each month, you receive a clear report of employees approaching or crossing the full-time threshold — with time to act before coverage deadlines. No surprises. No scrambling.
Our team hand-reviews every single 1095-C, selects the optimal safe harbor codes, and manages the complete IRS submission. You sign off — we file.
Most compliance tools hand you a dashboard and wish you luck. We hand you a dedicated ACA specialist who knows your business by name, watches your workforce month to month, and keeps you ahead of the IRS.
By the time you get a penalty letter, months or years of exposure have built up. We prevent that.
You get a named ACA specialist who knows your business, answers your calls, and takes ownership.
Variable-hour employees, seasonal workers, multi-EIN structures, union overlaps — that's where we specialize.
Payroll software wasn't built for ACA compliance. Year-end filers won't catch a problem in March. We're built for the full year.
| ACA 360 | Payroll Software | Year-End Filers | |
|---|---|---|---|
| Monthly eligibility monitoring | ✓ | — | — |
| Dedicated human expert | ✓ | — | — |
| Look-back method administration | ✓ | — | Rarely |
| Hand-reviewed 1095-C filings | ✓ | — | — |
| Penalty response support | ✓ | — | Limited |
| Multi-EIN / franchise expertise | ✓ | Limited | Limited |
ACA 360 didn't just help us avoid penalties — they gave us peace of mind. Their team truly understands the complexity and handles everything with a personal touch that larger firms just can't match.
A 15-minute conversation tells you exactly where your compliance stands — and what monthly monitoring looks like for your workforce. No pressure. No jargon. Just honest guidance from people who do this every day.