The foundation of good risk management is a quality set of plan documents that not only serve the essential function of placing multiple benefits under a single umbrella for ERISA purposes, but also are effective risk management tools. The ERISAfire Wrap+ service leverages the same plan document language that has been curated and expertly crafted by ERISAfire's attorneys, giving you the benefit of the changes ERISAfire makes to its own attorney-drafted documents as a result of prior legislative, regulatory and judicial developments.

Quick Start Launch

I mean, who reads instructions anyway?

Who Should Use ERISAfire Wrap+

ERISAfire's Wrap+ service is designed for employers in the small group and middle market and is useful in generating these high-quality plan documents:

  • ERISA wrap document plus pre-tax premium and (optional) HSA contribution plan

  • ERISA wrap document plus full Section 125 cafeteria plan

  • ERISA wrap document plus health reimbursement arrangement (HRA)

What Is ERISAfire Wrap+ Not Designed For

As the saying goes, one size fits none. What Wrap+ does, it does well, but it's not for every situation. Employers requiring certain customizations could really benefit from the keen eyes of our experienced ERISA attorneys. These are some of the customizations that the Wrap+ service is not well-suited for, and you should consider ERISAfire's full-service plan documents instead:

  • Retiree benefits

  • Non-employee director benefits

  • Strategic structuring of benefits into different ERISA plans

  • Different benefit offerings for different divisions or subsidiaries

  • Mid-month coverage start dates

  • Rehire rules that are not in conformity with ACA rules

Using the Wrap+ Service

Getting Help: Self-Service versus Supported-Service

ERISAfire's Wrap+ service is not a self-service tool. ERISAfire Wrap+ is supported service. The tool elicits pertinent details using questions written in pedestrian language and conditional logic that changes the interview based on your responses. If you ever get stuck or don't quite understand our ERISA-speak, just come right back here to and ping us on our in-app messenger with your question. (It's the little blue guy in the corner. He gets lonely sometimes. Say hi!)

Before You Begin

It will be helpful to collect a few things before starting the interview:

  • Company tax information like EIN and formal legal name

  • Description of all fringe benefits like an open enrollment guide or presentation

If you want to be super-prepared, here's a complete list of interview questions.

Navigating the Interview

The interview proceeds rather intuitively from beginning to end, but if you find you need to go back or skip around, use the dots along the bottom to navigate the questions.

Saving Your Progress

Chances are, even if you're prepared, you're probably going to be interrupted along the way. That's OK! You can save your progress. Just skip to the end by clicking on the last dot of the progress meter, mark the status as "DRAFT" and submit. Watch your email inbox for a unique link that you (or anyone else you give the link to) can use to pick up right where you left off.

Fire Away!

Choose which Wrap+ service you need, and click the button to launch the tool.

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