US benefits: carriers and recordkeepers, EDI 834 and 401(k)/457 files, ACA 1095-C and 1094-C, garnishments, and the Benefits Dashboard

United States companies only: send each insurer its ANSI 834 enrollment file and each 401(k) or 457 recordkeeper its contribution file after payroll, by download, HTTPS or SFTP to a pinned host key; measure ACA full-time status and produce Forms 1095-C and 1094-C, which employees open in self service; take garnishment orders in priority order and remit them per payee. The Benefits Dashboard, for every company, shows enrolment and what needs action.

どこで見つけられるか

• HRMS › Reward › Carriers & ACA: Carriers & Recordkeepers, Carrier Files, ACA Full-Time Status, ACA Forms (1095-C / 1094-C), ACA Settings. HRMS › Payroll › Garnishments: Garnishment Orders, Garnishment Remittances. HRMS › Reward › Benefits › Benefits Dashboard. Employee Self Service › My Tax Forms.
• United States companies only: these screens (other than the dashboard) are shown only when the company’s own country is the United States. Elsewhere: “This payroll screen (carrier files) is for companies in the United States, and this company’s country is <India>.”
• Roles: Benefits Administrator (carriers, files, ACA), Payroll Administrator (files, ACA, garnishments), Human Resources (all), HR Auditor reads (no garnishments, no downloads).

Carriers and recordkeepers

1. Carriers & Recordkeepers › New: Code, Name (for example <Aflac> or <Vanguard 401(k)>), Kind (insurance or retirement) and File it takes — ANSI X12 834 enrollment (005010X220A1), Contribution and loan file (CSV, after payroll) or Eligibility file (CSV).
2. For an 834: the ISA sender and receiver, Test or production (T until the carrier has accepted a test file), Plan sponsor, Sponsor EIN, Insurer and Master policy / group number. For a CSV: Recordkeeper plan number, Deduction codes by source, Columns, Delimiter and Dates; tick Build the file when a payroll run is posted.
3. Plans covered lists the plan codes the carrier is sent.
4. Delivered by: Download and upload to the carrier portal, HTTPS to the carrier’s endpoint (https only — files carry Social Security numbers) or SFTP. For SFTP: Set credential, Fetch host key, compare it with what the carrier publishes, then Pin host key. Nothing is sent until a key is pinned.

Carrier Files

• Build a file: Carrier and File — Full enrollment (834), Enrollment changes (834), Contributions and loans (from an approved or posted Payroll run) or Eligibility — and Send it as soon as it is built.
• A change file compares with the last enrollment file sent: “Send a full file first” if none was, and “No change file is needed” when nothing changed.
• Each row: Download, Send (Resend once sent), Regenerate a corrected version, Log (every delivery attempt and download) and Void (only before it is sent). Files are kept sealed.
• A recordkeeper with Build the file when a payroll run is posted gets its contribution file at posting, sent at once unless it is delivered by download.

ACA: settings, full-time status and forms

1. ACA Settings (one per company): Full-time by Look-back measurement or Monthly hours (130 a month); the measurement, administrative and stability periods; the affordability safe harbor (Rate of pay (2H), Form W-2 wages (2F), Federal poverty line (2G)); and the employer on the 1094-C. Plan ACA flags marks a plan Minimum essential coverage, Minimum value and Self-insured.
2. ACA Full-Time Status: choose the Year to see each employee FT, PT or LNA month by month, with Why. Keep the measurements records them.
3. ACA Forms: Tax year, Generate drafts (lines 14, 15 and 16 for every month and the 1094-C), check with Why and Print, then Finalize — employees then see their form. Correct a final form to issue a corrected one. AIR XML downloads the file shaped to the IRS AIR schema for your transmitter.

Employee Self Service › Me › My Workspace › My Tax Forms lists the employee’s final Form 1095-C by tax year; Open shows the PDF.

Garnishments

• Garnishment Orders: Employee, Garnishment code (its max % of disposable earnings is the CCPA limit), Kind of order, Case number, Amount a period or percent, Stop after (arrears), Priority, Received, Pay to and Sent by (Check, EFT, or EFT to a state disbursement unit, which needs the SDU FIPS code).
• Payroll takes orders in priority order — empty, by kind: support first, then levies, bankruptcy, student loans, creditors — and among equals the order received first.
• Garnishment Remittances: after an approved or posted run choose Prepare — one remittance per payee, its file carrying the DED addenda for child support to a state disbursement unit. Remitted records the Payment reference (check number or EFT trace); Void a prepared one that is wrong.

Benefits Dashboard

Employees eligible, Enrolled in a plan, Enrollment rate, No election or waiver, Open enrollment progress, Life events open and Dependents awaiting proof (Verified or Reject on the spot), with Alerts and Enrollment by plan. For a United States company it adds ACA full time, Full time offered coverage, Carrier files failed, ACA compliance and garnishments withheld but not yet prepared. Every figure links to its list.