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MEWAs operate under a regulatory framework most administrators aren't equipped to support: state filings, non-fiduciary service agent requirements, and multi-employer coordination that doesn't fit standard platforms. BAS serves as a non-fiduciary Service Agent — administering employer adoption, enrollment, premium coordination, and compliance documentation in an operating model built specifically for MEWAs.
WHAT BAS ADMINISTERS
MEWA Administration Scope
Fragmented MEWA administration creates premium reconciliation gaps, employer onboarding breakdowns, and compliance documentation risk. BAS connects these workflows through a governed operating model.
MEWA administration requires coordinated workflows across participating employers, plan rules, premium banking, carrier reporting, COBRA and ACA administration, broker compensation, and compliance documentation. BAS connects these workflows through structured administration without assuming the MEWA's sponsor or fiduciary role. Explore Plan Administration services to see how MEWA fits within BAS's broader program capabilities.
BAS operates as a non-fiduciary Service Agent, administering MEWA enrollment, billing, and reporting workflows while the MEWA retains its governance and fiduciary responsibilities.
Participating employer adoption agreements, onboarding, census collection, eligibility configuration, and plan setup administered through a structured workflow process.
Premium billing, payable preparation, bank file reconciliation support, and delinquency tracking coordinated without BAS taking ownership of MEWA premium funds.
COBRA administration workflows, ACA reporting support, Form M-1 and Form 5500 documentation support, and compliance documentation maintained at the MEWA plan level.
BAS administers the operational workflows required to support MEWA benefit plans while the MEWA retains its governance, fiduciary, and legal responsibilities, from implementation through ongoing employer adoption, billing, compliance support, and reporting.
MEWA structure, stakeholders, plan portfolio, participating employers, and broker relationships confirmed. Administration scope, system configuration, and implementation timeline established.
Employer adoption agreements, onboarding workflows, and plan setup administered for each participating employer group joining the MEWA benefit program.
Employee enrollment administered through the portal with MEWA-level plan options, eligibility rules, deadline tracking, and confirmation records maintained per employer group.
Premium billing, payable documentation, and reconciliation support prepared and maintained across participating employers and billing periods.
COBRA qualifying event notices, election tracking, premium billing, and administration workflows supported at the MEWA plan level across participating employers.
ACA 1094-B / 1095-B or 1094-C / 1095-C reporting support maintained for the MEWA plan population, including offer-of-coverage data collection and IRS filing preparation support.
Census data collected, validated, and loaded for each participating employer, with employee records, dependent data, and coverage elections maintained with data quality controls.
MEWA-level eligibility rules, contribution structures, waiting periods, and termination workflows configured and enforced across participating employer groups.
Carrier data exchange files and API connections maintained for enrollment, eligibility, and termination updates across the MEWA's carrier portfolio.
Daily bank file reconciliation support coordinated between premium payables and the MEWA's banking institution, without BAS taking ownership of MEWA premium funds.
Broker compensation reporting and administration support maintained within the MEWA operating model, keeping advisors informed without involving them in operational workflows.
400+ standard reports available at the MEWA, employer group, broker, and carrier level: enrollment activity, billing status, compliance documentation, and audit records accessible on demand.
Each step in the MEWA administration lifecycle follows a structured workflow: confirmed, configured, and activated before ongoing employer and plan administration continues.
MEWA governance structure, trustee relationships, participating employers, plan portfolio, broker arrangements, and administration requirements confirmed. Implementation scope and timeline established.
Participating employers configured with adoption agreements, eligibility rules, contribution structures, employee classes, and MEWA-level plan options set up per employer group.
Census data collected and validated, plan and carrier configurations loaded, contribution rates established, premium billing workflows built, and bank file reconciliation processes confirmed.
Enrollment portal activated for participating employers, carrier data exchange files enabled, premium billing workflows initiated, and role-based access provisioned for administrators, brokers, and trustee leadership.
Ongoing enrollment changes, premium reconciliation support, COBRA and ACA workflows, compliance documentation, trustee and broker reporting, and employer support maintained across the MEWA program.
BAS supports MEWA administration as a Service Agent, helping operationalize enrollment, billing, premium coordination, reporting, and documentation workflows while preserving the MEWA's governance and fiduciary responsibilities. Role separation, premium banking controls, and audit documentation are structured into each workflow.
BAS administers MEWA benefit plan workflows operationally as a Service Agent. Legal plan governance, fiduciary responsibilities, and MEWA sponsorship remain with the MEWA trustees or governing body.
Where MEWA Administration Breaks Down
Without explicit Service Agent scope, operational responsibilities blur between trustees, brokers, administrators, and participating employers, creating accountability gaps and compliance risk.
Premium payables tracked manually across employer groups without documented reconciliation workflows creates bank file discrepancies and delinquency blind spots.
Each new participating employer requires a structured adoption agreement, census process, and plan setup. Without documented workflows, adoption becomes ad-hoc and error-prone.
COBRA qualifying events and ACA reporting obligations handled differently across participating employers, creating inconsistencies that expose the MEWA plan to compliance risk.
Without a governed administration model, brokers fill operational gaps, supporting enrollment, billing questions, and compliance issues rather than advising on the benefit program.
Participating employer onboarding, plan rules, and enrollment workflows were connected through one structured MEWA administration model without manual coordination between employers and administrators.
Premium billing, payable preparation, and reconciliation support moved out of manual tracking into documented operating workflows connected to enrollment and eligibility data within the same system.
Trustees, brokers, and participating employers gained clearer visibility into enrollment, billing, compliance documentation, and reporting activity through role-appropriate access within the administration model.
Role Confusion
Administrative accountability gaps create compliance exposure.
Banking Complexity
Manual tracking creates bank file discrepancies and delinquency gaps.
Adoption Breakdown
Ad-hoc onboarding creates data quality gaps and inconsistent setup.
Compliance Drift
Inconsistent compliance workflows across participating employers.
Advisor Burden
Advisors fill operational gaps instead of advising the MEWA program.
MEWA implementation planning, participating employer adoption workflows, census collection and data scrubbing, eligibility and contribution rule configuration, enrollment management, premium billing and payable preparation, bank file reconciliation support, carrier EDI and API coordination, MEWA-level COBRA administration support, ACA reporting support, broker compensation administration support, and trustee and leadership reporting, all administered through a governed operating model.
