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Affordable Care Act Challenges in Car Dealerships

ACA Compliance Without the Roadblocks: Tailored Solutions for Auto Dealers

Car dealerships face unique ACA compliance challenges that off-the-shelf solutions simply can't handle. From commission-based sales teams to hourly service technicians, each employee type requires different ACA treatment – creating compliance headaches that pull focus from selling cars and serving customers. Keeping track of reporting across multiple locations can add another layer of difficulty. ACA Reporter provides tailored solutions to simplify compliance, reduce administrative burden, and help car dealerships avoid costly IRS penalties. 

Couple Speaking With a Car Dealership Salesman

Car Dealerships Under ACA Scrutiny

While you're focused on adapting to digital retailing and changing buyer preferences, the IRS remains focused on your ACA compliance – with penalties that directly impact your bottom line. 
 
For dealerships with 50 or more full-time equivalent employees across their organization, ACA compliance is mandatory. Failure to meet these reporting requirements can result in substantial penalties: 

  • Thousands per employee annually for failing to offer adequate health coverage 
  • Hundreds per form for late or inaccurate IRS filings 
  • Additional penalties for non-compliance with affordability requirements 

With limited HR resources and complex employee classifications, many dealership groups struggle to maintain accurate ACA compliance without dedicated tools designed for their unique needs. 

Car Dealership-Tailored ACA Solutions

Simplifying Compliance for Commissioned Sales Staff

Many salespeople don’t punch a time clock – when combined with hourly and salaried staff it creates a challenge to remain ACA compliant. With the right tools, you can save time and resources with simplified tracking and monitoring. ACA Reporter simplifies the process by: 

  • Safe Harbor Selection: Select the safe harbor based on position to ensure the right affordability rules are applied to the right employees. 
  • Streamlined Monitoring: Dashboards give you easy access to track ACA compliance in real time, including offer of coverage tracking, ongoing ALE status tracking, and employee status trending. 
Car Salesman Closing Deal

Managing Multi-Location Dealership Groups Effectively

When dealership groups run multiple locations as separate legal entities under common ownership, ACA reporting gets messy fast. ACA Reporter cuts through this complexity with tools that: 

  • Consolidate Reporting Across Locations: Generate required ACA forms for all entities from a single platform 
  • Aggregate Employee Data: Track employees who work across multiple locations to accurately determine full-time status with our payroll aggregation features 
  • Simplify Control Group Management: Handle complex ownership structures while maintaining proper ACA reporting relationships 
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Ensuring Affordable Coverage for Diverse Workforce Types

Variable compensation plans across departments and be very different. Standard ACA solutions aren't built for this compensation complexity. Figuring out if health insurance is "affordable" under ACA rules gets tricky, especially when salespeople earn different amounts each month based on commissions. ACA Reporter makes this straightforward by: 

  • Calculating Affordability for Commission-Based Staff: Get clear visibility into your ACA measurement methods and see your employee timeline view to plot out employee ACA status  
  • Monitoring Coverage Requirements: Identify full-time employees who require health plan offers and track offer status 
  • Maintaining Compliance Documentation: Keep detailed records of coverage offers and employee responses for audit protection 
Handing Over Car Keys

Comprehensive ACA Compliance with Limited HR Resources

Your controllers and HR staff are already wearing multiple hats – they don't have time to become ACA experts on top of their daily responsibilities. ACA Reporter cuts the paperwork and hassle by: 

Simplifying Complex Calculations

Automatically determine ACA full-time status across all employee types 

Streamlining Form Generation

Create accurate 1095-C and 1094-C forms with proper codes based on employee data

Facilitating E-Filing

Submit required forms to the IRS electronically with confidence

Providing Real-Time Compliance Monitoring

View dashboards that highlight potential compliance issues before they become problems

ACA Compliance Notifications

Receive monthly notifications that provide insight on your ACA compliance and provides a list of employees who require an offer of coverage.

FAQ

Commonly Asked Questions in the Car Dealership Industry

ACA Reporter allows you to designate certain positions, like commissioned sales roles, as full-time for ACA purposes without requiring hourly tracking. This simplifies compliance by automatically classifying these employees appropriately based on their position rather than hours worked.

Most dealership groups are fully implemented within 3-4 weeks. Our ACA Specialists work directly with your team to ensure the system is configured to meet your needs. They are with you through every step. From identifying what data is need and how it will be brought into ACA Reporter to educating you and your team on how to get the most out of the system. 

If your combined workforce across all commonly owned dealership locations equals 50 or more full-time equivalent employees, your organization likely qualifies as an ALE. ACA Reporter calculates this status automatically by aggregating employee data across all your locations. 

Yes, ACA Reporter is designed to handle multi-entity dealership groups. The system consolidates data across locations while maintaining proper entity relationships for accurate reporting and filing. 

ACA Reporter's intuitive interface and automation features are specifically designed to reduce the administrative burden on small HR teams. Our support team also provides guidance throughout the compliance process, serving as an extension of your HR department. 

Points North: Automotive Industry Compliance Experts 

We've helped dealership groups across the country tackle their ACA headaches. Our team knows the car business and what keeps dealership owners up at night. We'll help you stay compliant without the paperwork nightmare. 

Leveraging ACA Reporter, you gain: 

  • Tailored solutions for your unique staff situation 
  • Simplified multi-location management 
  • Automated form generation and filing 
  • Expert support from advisors who understand dealer operations 
  • Peace of mind knowing your ACA obligations are being met 

Schedule a 15-minute demo to see how dealership groups like yours have cut ACA compliance time while eliminating penalty risk. Our team of experts is ready to help you navigate the complexities of ACA reporting while focusing on your core business.