ACA Complete
Streamlined ACA Employer Reporting and Compliance Solutions
Track, file, and furnish 1095-C and 1094-C forms while minimizing penalty risks
Effortless ACA compliance monitoring and reporting services
ACA Complete® delivers everything you need to track, prepare, furnish, and file 1095-C forms and defend your ACA compliance.
- Monthly monitoring: get alerts when offers of coverage are required
- Designated ACA specialist: expert support at your service
- Penalty risk assessment: identify coverage gaps and address liabilities
Seamless data transfer and quality automation
ACA Complete has certified integrations with leading HRIS platforms like Workday and UKG, ensuring fast, secure data transfers. Our solution solves the people and process failures that drive penalties. It consolidates, cleans, and transforms your data into accurate, actionable insights, so you can focus on compliance instead of errors.
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Satisfy federal and state ACA furnishing and filing requirements
Confidently meet strict furnishing and filing deadlines. ACA Complete ensures accurate, on-time filing and furnishing of 1095-C forms while supporting federal and state compliance.
- e-Distribution: furnish forms electronically
- State reporting: compliance for California, New Jersey, Rhode Island, and Washington D.C.
IRS audit defense and penalty mitigation
Reduce penalty risks and experience peace of mind. With ACA Complete, you’re backed by comprehensive audit defense and proactive compliance measures.
- Penalty reduction: prevented over $1 billion in penalties
- Audit assistance: respond to IRS letters (226J, 972CG, etc.)
- Proactive monitoring: prevent penalties before they happen
Key Features
Monthly compliance monitoring
Proactively stay compliant with
monthly tracking, penalty risk
assessments, and timely alerts.
ACA data quality assurance
Ensure accurate and timely Form
1095-C and Form 1094-C reporting
through error-free data processing.
IRS audit defense guarantee
Receive comprehensive and effective
defense for your business in the event
of an IRS or state audit.
State compliance reporting
Easily meet ACA filing and furnishing
requirements for California, New Jersey,
Rhode Island, and Washington D.C.
Certified HRIS integrations
Connect seamlessly with Workday,
UKG, SAP, ADP, and other HRIS
platforms for secure data transfer.
Employee 1095-C distribution
Furnish 1095-C forms via print and
mail or electronically from the platform
to ensure timely and secure delivery.
Capabilities
FAQs
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How does ACA Complete® help maintain compliance?
Trusaic’s combination of data analytics, monthly tracking, and expert support ensures your ACA compliance is done right.
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Can you help with IRS penalty letters?
Yes. We’ve helped clients reduce penalties for notices like 226J, CP220J, and more.
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What's the difference between ACA Complete and ACA Essential®?
ACA Essential is our entry-level compliance solution, offering everything you need to file 1094-C/1095-C forms and meet federal reporting requirements. ACA Complete® goes further, providing ongoing monitoring, penalty risk assessments, and full audit defense — keeping you compliant every step of the way.
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Does ACA Complete integrate with my HRIS?
Yes, it integrates with major platforms like Workday, SAP, and UKG.
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What's the best way to know if I'm at risk for ACA penalties?
We offer a free penalty risk assessment, giving you an actionable analysis of your potential exposure, so you can act now and avoid costly penalties.
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Do you offer 1095-C e-Distribution?
Yes. Clients can utilize our 1095-C furnishing option, or electronically distribute forms to employees who can then access them from our platform. This ensures all your forms are distributed on-time and can be easily tracked for compliance purposes.
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I've already received a penalty notice. Can Trusaic still help me?
Yes, we can perform a retroactive audit of your HR data and create a penalty letter response for you while, in parallel, developing ongoing ACA tracking to prevent future penalty letters.
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What is the benefit of the audit defense feature?
With ACA Complete, your IRS penalty risk is minimized. But if an audit happens, we’ll be there to provide full ACA audit defense. We’ve helped prevent over $1 billion in IRS penalties, ensuring your compliance remains strong, even under scrutiny.
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What is an Applicable Large Employer (ALE)?
If an employer has at least 50 full-time employees, including full-time equivalent employees, on average during the prior year, the employer is an Applicable Large Employer (ALE) for the current calendar year, and is therefore subject to the Employer Shared Responsibility Provisions (also referred to as the ACA Employer Mandate) and the Employer Information Reporting Provisions, which requires ALEs to report annually to the IRS information about the health care coverage, if any, they offered to full-time employees. The IRS will use this information to administer ACA penalties for non-compliance.
