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Some benefit plan resources are currently unavailable while being amended with required updates to comply with the Affordable Care Act. If you need immediate service, please let us know.


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Benefit Plans Documents

A wide variety of sample employee benefit plan documents are available to our clients free of charge. The documents should be reviewed by your attorney. We are not able to offer any assurance of suitability to any specific purpose. The most popular sample documents relate to the consumer-driven health plan for small businesses listed below that is designed to be self-administered by the employer but names Tony Novak of Freedom Benefits as the Plan Adviser.

Sample Small Business Health Plan for 2014-2015
- Health Plan Design checklist
- Sample Corporate Resolution
- Summary Plan Description
- Plan Document
- Freedom Benefits Setup and Administration Guide (this is an out-of-date 2013 version, now being revised for 2015)


Adviser Contracting
Online Order Form
Group Census Form (Excel format)

Freedom Benefits University educational resources

401(k) plan fees checklist
Changes to 2014 and 2015 tax penalties for small business health plans
Dos and Don'ts of small business health benefit plans
Expenses eligible for coverage under a business health plan
Fringe benefits for employees
How to calculate IRC 4980D small business excise taxes
How to find a Multiplan PPO doctor or hospital
Taxation of amounts received through health plans
Terms and Definitions used in small business employee benefit plans
Retirement planning software free from Department of Labor
Sample Consumer Driven Health Plan (CDHP) document
Sample Health Reimbursement Arrangement (HRA) plan document
Small business health costs declined after 2010
Strategies to avoid the employer shared responsibility payment
Summary of tax issues affecting employer-provided health benefits
Planning a small business 401(k)
Taxation of small business health plans
Three simple steps to improve 401(k) plan results

See the Resources page for additional information.

Other Freedom Benefits health insurance and employee benefit resources:

Call Tony Novak, CPA at (800) 609-0683 or send an e-mail message to schedule a discussion about how your firm can save money and improve employee satisfaction by taking full advantage of the power of today's consumer-empowered health benefit and retirement savings plans.

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We are required by Treasury Circular 230 to notify you that any tax advice on this Web site including any downloads and linked resources are not intended or written by the practitioner to be used, and that it cannot be used by the taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer.