For large employers, ACA compliance isn’t just a box to check — it’s a year-round operational challenge. Managing multiple EINs, varying employee classifications, and shifting state-level mandates requires a solution built not just for compliance, but for complexity at scale.
Many vendors offer basic ACA filing tools, but few can support the full scope of what large employers need. That’s where Trusaic stands apart. Our ACA Compliance Solution was designed from the ground up to address the demands of enterprise-scale employers — simplifying reporting, reducing risk, and eliminating manual overhead.
This blog explores the unique compliance challenges large employers face and how Trusaic delivers the only truly enterprise-ready ACA solution.
Why ACA Compliance Is Harder for Large Employers
Large employers with thousands of employees across locations and entities face a different set of compliance hurdles than smaller organizations. These challenges include:
1. Managing Multiple EINs and Entities
Enterprises often operate under multiple Employer Identification Numbers (EINs), making ACA tracking and reporting significantly more complex. Standard solutions typically lack the ability to consolidate and track compliance across EINs within a unified system.
2. Tracking Variable-Hour and Seasonal Employees
Accurately classifying and monitoring full-time equivalency for variable-hour employees is a year-round task. Without a time-series approach, employers risk incorrectly assigning eligibility — or missing it altogether.
3. Navigating State-Level Reporting Requirements
Beyond the federal Employer Mandate, several states — including California, New Jersey, Rhode Island, and Washington D.C. — have implemented their own ACA reporting requirements. Staying compliant across jurisdictions demands centralized tracking and localized expertise.
4. High Volume of Data and Greater Risk of Filing Errors
With high headcount comes high data volume — and more room for errors. From formatting issues and missing contribution amounts to invalid codes or rejections due to ZIP code formatting, small mistakes can lead to big penalties when scaled across large employee populations.
How Trusaic Simplifies ACA Compliance for Large Employers
Trusaic’s ACA Compliance Solution was built with the enterprise in mind. Whether you’re managing 500 employees or 500,000, our solution is designed to scale with your organization — delivering accuracy, efficiency, and peace of mind.
Enterprise-Grade Data Management
- Automated, Bi-Directional Integrations: Connects seamlessly with top payroll and HCM platforms, including Workday and UKG Ready, to ensure data flows in real time. No manual uploads or monthly CSV imports.
- Multi-EIN Tracking: Manage multiple entities and EINs in one centralized system, with consolidated compliance oversight and EIN-specific filing support.
- Time-Series Database: Our solution retains historical snapshots of employee data, ensuring accurate FTE tracking, even during EIN transitions or measurement period changes.
Real-Time Error Detection and Validation
Built-in validation logic catches errors like:
- Missing or invalid Line 14/16 codes
- Missing plan start month
- Incomplete or incorrect Line 15 contribution amounts
- Invalid ZIP codes or character limits
Errors are flagged before submission, not after — reducing risk of IRS rejections or penalty notices.
Penalty Risk Assessment
- Our proprietary tool identifies potential ESRP exposure in advance, helping employers proactively correct issues before they result in fines.
- For organizations managing compliance at scale, early risk detection is essential to preventing large-scale financial consequences.
Why Leading Enterprises Choose Trusaic
For large organizations, ACA compliance isn’t just about filing forms — it’s about having a system that works at scale. Here’s why enterprises rely on us:
- Scalable Architecture: Built to handle large datasets and multiple entities without compromising accuracy.
- Compliance Expertise: ACA specialists provide white-glove support for federal and state requirements, penalty letters, and audits.
- Centralized Control: One platform to manage all entities, all employees, and all deadlines.
- Proven Results: We’ve helped enterprise clients save over $1 billion in ACA penalties — and counting.
Managing ACA compliance at scale requires more than a form-filling solution. It requires intelligent automation, accurate data, proactive compliance management, and enterprise-grade support. That’s what Trusaic delivers.
If you’re a large employer looking for a better way to manage ACA compliance across your entire organization, we’re ready to help.