Did you start your benefits program but forget (or nobody told you) to get the proper documentation put in place? Just like a business needs formation docs to be official, employee benefit programs need ERISA formation docs to be official and you need Section 125 docs to be able to deduct employee premiums on a pre-tax basis. Don't get penalized or in trouble with the IRS for doing something that is supposed to be a benefit for your company. Let us help you today!