Non-Discrimination Testing
What is NDx?
The IRS mandates that any employer that offers pre-tax benefit plans (Cafeteria, Self-funded medical, etc.) cannot discriminate in favor of highly compensated or key employees. NDx is the industry-leading product for benefit professionals that makes the nondiscrimination testing process as simple as 1-2-3.
Why NDx?
NDx calculations have been thoroughly reviewed by industry experts like EBIA. HCEs and Key employees are determined automatically, saving you time and effort while eliminating the need for error-prone manual processes. Unlike other testing services, NDx also provides detailed recommendations to correct test failures.
Why Should I Comply?
If the IRS audits a plan, they will likely request testing details to ensure that you have performed and passed the nondiscrimination tests for each year they are auditing. If the employer fails these tests, employees will lose favorable tax treatment for contributions, costing you, your clients and their employees time and money.
The Benefits
Broad Test Coverage
Our testing suite covers Cafeteria, FSA, DCAP, HRA and Self-funded Medical plans.
Recommendation Reports
We generate Consequences and Recommendations Reports for tests that fail nondiscrimination testing.
Attorney Reviewed
NDx has been reviewed by a leading benefits attorney and is widely used by benefits law firms.
HIPAA-compliant system
NDx is a SOC2-compliant tool and it securely archives data and documents for 7 years.
Automated
You don't have to determine your highly compensated and Key employees, we do that for you.
Data Validation
The tool automatically detects errors and inconsistencies in your data to ensure accuracy.
"We needed a scalable solution to maintain our continued excellence in the area of benefits compliance. After researching various available tools and evaluating whether to build an automated solution ourselves, NDX became the choice for meeting our needs. Integrating NDX into our compliance testing process has allowed us to scale a very time intensive process, without hiring and training additional staff-providing us more flexibility. "
-- WageWorks, Chief Compliance Officer
Features
Feature
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- Data Archived for 7 years
- Certified by leading Benefits attorney
- Simple Excel template for testing data
- Detailed Results Reports
- Recommendations to address testing failure
- Automatically determines Highly Compensated Group
- Supports Top 20% Paid Group Election
- Calculations based on EBIA** interpretation of IRS code
- Dedicated compliance analyst
- Full-service data mapping
- Identify and fix inconsistencies in data
Self-Service
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Full-Service
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