Benefits Administration Is Full-Time Work That Nobody Wants to Own
Benefits administration sits at the intersection of HR, payroll, legal compliance, and carrier management — and it requires constant attention that most growing companies can’t dedicate without a specialist on staff.
When it’s managed as an afterthought by HR generalists already stretched thin, the errors compound. ACA measurements run incorrectly. COBRA notices go out wrong or late. Open enrollment runs on chaos. And the penalties for getting it wrong are steep and immediate.
- ACA applicable large employer status calculated incorrectly or not at all
- COBRA notices issued late — triggering excise taxes per participant per day
- Open enrollment with no decision-support tools or employee communication
- Benefits billing errors that compound across months before anyone catches them
- ERISA fiduciary obligations that nobody in the organization is tracking
How Catapult Solves It
We take benefits administration off your plate — and handle it with the accuracy and compliance rigor it actually requires.
ACA Compliance & Reporting
Full-cycle ACA management: applicable large employer determination, affordability calculations, offer tracking, 1094/1095 filing, and IRS correspondence handling.
COBRA Administration
Timely COBRA election notices, payment processing, carrier coordination, and compliance tracking — so late notices never become $110/day excise tax exposure.
Open Enrollment Management
End-to-end open enrollment planning and execution — employee communication, decision-support materials, enrollment tracking, and carrier file management.
Spending Account Administration
FSA, HSA, and HRA plan administration including eligibility management, contribution processing, and participant communication that keeps your plans IRS-compliant.
Carrier EDI Transmission
Electronic data interchange management between your HRIS and carriers — so new enrollments, changes, and terminations are transmitted accurately and without manual re-keying.
Benefits Billing Reconciliation
Monthly carrier invoice auditing and reconciliation to catch and correct premium discrepancies before they snowball into overpayments or under-enrolled employees.
What Our Clients Say
“We had no idea our ACA filings were wrong for two years. Catapult caught it, helped us file corrections, and now they manage the whole process. The peace of mind is worth every dollar we pay them.”
“Our COBRA process was a mess — we were sending notices 45 days late because nobody owned it. Catapult took it over completely. We haven’t had a single compliance issue since and I don’t think about it anymore.”
The Penalties Are Not Hypothetical
Benefits compliance failures generate real IRS and DOL penalties — often years after the error.
ACA Employer Mandate Penalties
Failure to offer minimum essential coverage to full-time employees: $2,970 per employee (2024). Failure to offer affordable coverage: $4,460 per employee.
COBRA Notice Violations
The IRS excise tax for late or incorrect COBRA notices is $110 per qualified beneficiary per day — and the DOL can impose additional civil penalties of $110/day.
ERISA Fiduciary Liability
Plan fiduciaries who fail to prudently manage plan assets can be held personally liable for losses — and ERISA lawsuits are one of the fastest-growing areas of employment litigation.
Billing Overpayments
Without monthly reconciliation, premium overpayments and terminated-employee billing errors accumulate silently. The average employer overpays carriers by 3–5% annually — often never recovered.
From Carrier Negotiation to COBRA Notices — We Handle It All
Catapult manages the full benefits lifecycle for employers nationwide — plan design and carrier placement, enrollment technology, ongoing administration, compliance reporting, and employee communication.
We connect directly with your carriers via EDI, reconcile billing monthly, and handle ACA and COBRA compliance as ongoing functions — not annual projects. Your HR team stays focused on people, not paperwork.
Stop Worrying About Benefits Compliance.
ACA, COBRA, open enrollment, EDI feeds, billing reconciliation — we own it so you don’t have to. Let’s talk about what a clean benefits program looks like for your company.