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.
We're the team that watches your workforce every month of the year — so the IRS never has to.
One compliance partner. Every part of the year.
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.
Monthly ACA Compliance
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.
- Real-time payroll data analysis
- Monthly eligibility & variable-hour reports
- Coverage offer notifications before deadlines
- Look-back measurement administration
- A dedicated specialist who knows your business
Penalty Relief Support
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.
- 226-J & 5699 response strategy
- Documentation gathering and review
- Submission within the 90-day window
Year-End Filings
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.
- Hand-verified 1095-C preparation
- Optimal safe-harbor code selection
- Complete IRS submission management
How we work, every month.
A simple, proven process designed to be hands-off for you and meticulous for us.
We connect to your payroll
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.
We monitor every month
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.
We handle the year-end
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.
A real expert in your corner — not a help desk ticket.
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.
- ✓
Compliance should be proactive.
By the time you get a penalty letter, months or years of exposure have built up. We prevent that.
- ✓
Employers deserve a real expert.
You get a named ACA specialist who knows your business, answers your calls, and takes ownership.
- ✓
The tricky situations are where the risk lives.
Variable-hour employees, seasonal workers, multi-EIN structures, union overlaps — that's where we specialize.
What sets us apart.
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 |
Partnering with ACA 360 was the best decision we made. Within the first year, four years of filings were corrected and our tax liability was almost completely dissolved. Their responsiveness is second to none, and the peace of mind is incredible.
Let's take ACA off your worry list.
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.