Know your ACA status
Review full-time and full-time-equivalent counts, controlled-group relationships and the measurement method used to determine eligibility.
Fractional Employee Benefits & Compliance Executive • Decades of corporate-level leadership
Compliance gaps can become costly. Prepare your team before an IRS notice arrives.
After decades of guiding small businesses and large organizations, Debbie Kaglear created Nexus125™ to address an urgent concern—too many employers do not fully understand how ACA and Section 125 responsibilities can affect payroll, documentation, potential IRS penalties and the bottom line. Nexus125™ provides Section 125 compliance expertise and ACA compliance advisory services to help teams identify gaps, strengthen their processes and know when professional legal or tax guidance is needed.
Section 125 Compliance ExpertsACA Compliance Advisory ServicesHow to Reduce ACA-Related IRS Penalty Exposure
Premier interactive demonstration
Experience the ECOS™ compliance operating environment.
Explore a guided demonstration of the Nexus125™ Employer Compliance Operating System and see how employer information moves from intake and assessment through gap identification, advisor review, corrective action and executive reporting.
ACA readiness screeningSection 125 administration reviewIRS Publication 969: HSAs & tax-advantaged health accountsIRS Publication 503: dependent-care rulesIRS Form 8962: Premium Tax Credit reconciliationAdvisor-controlled findings
New IRS reference component: Publications 969 and 503 and Form 8962 are now incorporated into both Nexus125™ training and the ECOS™ compliance engine, connecting education with structured compliance-readiness workflows.
Demonstration data are illustrative. Client records, findings and documents remain available only through authorized secure access.Preview the platform hereOpen full demo ↗
Certifications & professional credentialsVerified qualifications supporting insurance, benefits and compliance leadership.
PROFESSIONALMULTI
NEXUS125™
Multi-State Insurance Licensing
Life, Health & Accident
PROFESSIONALAHIP
NEXUS125™
AHIP 2027 Training
Medicare + Fraud, Waste & Abuse
PROFESSIONALMED
NEXUS125™
2027 Medicare Training
AHIP Certificate of Achievement
PROFESSIONALFWA
NEXUS125™
2027 Fraud, Waste & Abuse Training
AHIP Certificate of Achievement
PROFESSIONALLTC
NEXUS125™
Long-Term Care Certified
Long-Term Care Insurance Training
PROFESSIONALFFM
NEXUS125™
Federally Facilitated Marketplace (FFM) Certified
Individual Marketplace • 2026
PROFESSIONALCMA
NEXUS125™
Certified Medicare Advisor
Medicare Guidance
PROFESSIONALCT
NEXUS125™
Compliance Trainer
Employer Benefits Compliance
PROFESSIONALCOA
NEXUS125™
Community Outreach Advocate
Benefits Education & Outreach
PROFESSIONALSEBD
NEXUS125™
SEBD Certification
Louisiana Economic Development
PROFESSIONALHUD
NEXUS125™
Hudson Initiative Certification
Louisiana Economic Development
Where strategy and education connect
Experience transformed into timely compliance education.
Years of working alongside employers revealed a recurring risk: benefits decisions are often treated as enrollment tasks while ACA, IRS, payroll and documentation responsibilities remain unclear. Nexus125™ helps teams recognize those connections before an overlooked requirement creates avoidable disruption or expense.
Meet founder Debbie Kaglear →A personal advisory from Debbie Kaglear
Employers with 50 or more employees cannot afford to treat benefits compliance as an enrollment-only task.
If your organization averaged at least 50 full-time employees, including full-time-equivalent employees, during the prior calendar year, it may be an Applicable Large Employer under the ACA. That determination can bring important coverage, affordability, reporting and documentation responsibilities.
Section 125 is a separate—but closely connected—responsibility. Employer size alone does not make a cafeteria plan mandatory. However, when employees pay eligible benefit premiums on a pre-tax basis, the employer should have a properly adopted written plan and administer elections, payroll deductions and permitted changes consistently with that plan.
Verify the offer
Document whether coverage provides Minimum Essential Coverage, meets Minimum Value when required and is evaluated for affordability under an appropriate method.
Protect pre-tax administration
Confirm that written Section 125 terms, employee elections, payroll deductions, midyear changes and applicable testing are aligned and retained.
Core expertise
A practical framework for employer benefits.
Focused professional education for the people responsible for helping benefits work correctly—before, during and after enrollment.
Section 125 Compliance Expertise
Guidance on written cafeteria plan documents, employee elections, pre-tax payroll deductions, permitted midyear changes, nondiscrimination testing and the records employers should retain.
ACA Compliance Advisory Services
Practical readiness support for Applicable Large Employer determinations, eligibility, affordability, Minimum Essential Coverage, Minimum Value, reporting responsibilities and internal coordination.
Reduce ACA-Related IRS Penalty Exposure
Proactive education helps employers identify ACA documentation and administration gaps before an IRS notice arrives. No process can guarantee that a penalty will never be assessed, but timely reviews and organized records can reduce preventable exposure and strengthen an employer’s response.
Built for growing benefits capabilities
Training for the organizations shaping the employee experience.
Whether your team administers payroll, advises employers, sells insurance or supports workforce operations, Nexus125™ creates a clearer path into employer benefits.
Payroll & HCM companies
Strengthen the connection between payroll deductions, employee elections, Section 125 education and employer documentation.
Insurance & benefits professionals
Build the employer-benefits foundation needed to move confidently from individual sales into the group-benefits market.
HR consultants & fractional HR firms
Add structured benefits education and compliance-readiness resources to the support you already provide employers.
Employers & workforce leaders
Equip HR, finance, office management and leadership teams with practical knowledge for stronger benefits operations.
Associations & professional networks
Offer members relevant education on benefits strategy, employee communication and employer responsibilities.
Accountants, bookkeepers & business advisers
Recognize where payroll, tax, benefits and documentation responsibilities meet—and when specialist support is needed.
Fractional Employee Benefits & Compliance Executive
Decades of insurance and benefits leadership.
Debbie Kaglear brings corporate director-level leadership and a career spanning insurance, employee benefits, Medicare, multi-market team leadership, agency operations and community engagement. Her work has consistently centered on one goal: helping organizations and people understand benefits well enough to use them with confidence.
Through Nexus125™, she translates complex employer-benefits responsibilities into practical education, stronger documentation, connected HR workflows and executive-level benefits direction.
Read Debbie’s storyFractional executive services
Executive benefits leadership—without adding a full-time position.
For organizations needing specialized direction where employee benefits, Section 125 administration, ACA compliance readiness, payroll coordination, documentation and vendor responsibilities intersect.
Nexus125™ Fractional Benefits & Compliance Executive Services
Executive assessment • leadership findings • responsibility mapping • compliance calendar • implementation roadmap • ongoing strategic support
Nexus125™ Compliance Operating System
Identify compliance gaps before they become expensive problems.
The secure Nexus125™ compliance engine converts employer information, plan details and supporting records into an organized readiness review. It screens for potential ACA, Section 125 and benefits-administration gaps, prioritizes areas of concern and creates a controlled path from assessment through corrective action.
Technology supports the review; professional judgment controls the outcome. Debbie Kaglear validates the facts, reviews the preliminary indicators and approves customized findings, recommendations and client deliverables before release.
Returning clients and authorized advisors may sign in securely. New clients receive individual access instructions after enrollment and approval.What the compliance engine helps your organization do01 02 03 04
Detect ACA gaps
Screen ALE status, eligibility, affordability, MEC, Minimum Value, reporting and supporting records for potential inconsistencies.
Review Section 125 administration
Evaluate plan documents, employee elections, payroll deductions, permitted changes, testing and record-retention practices.
Support IRS-letter readiness
Organize correspondence and response records, including readiness guidance for ACA employer-shared-responsibility notices such as IRS Letters 226J and 227.
Build the action plan
Develop advisor-reviewed findings, corrective actions, customized SOPs, executive reports and prioritized 30/60/90-day roadmaps.
Important: The system identifies potential areas of concern and supports an organized response process. It does not guarantee compliance, determine legal liability or replace legal, tax, accounting, TPA or ERISA-counsel advice.
Choose the level of support your organization needs
Portal access connected to a defined professional engagement.
Clients are not purchasing software access alone. Each level combines secure technology, a defined scope of work and advisor-controlled deliverables so that the support received matches the engagement selected.
Assess
Compliance Readiness Assessment
Starting at $1,495For employers seeking a professional baseline review before beginning implementation.
- 45 days of secure portal access
- ACA and Section 125 readiness screening
- Document and process inventory
- Advisor-validated findings
- Executive summary and 30/60/90-day roadmap
- One findings-review meeting
Implement
Employer Readiness & Implementation
Starting at $5,000For organizations ready to move from identified concerns into structured corrective action.
- 90 days of secure portal access
- Corrective-action and responsibility tracking
- Customized compliance calendar
- Enrollment, waiver and payroll workflow review
- Customized administrative SOP
- Implementation meetings and final readiness report
Monitor & Lead
Annual or Fractional Executive Support
Custom engagementFor organizations needing ongoing oversight, executive reporting and benefits-compliance leadership.
- Extended secure portal access
- Quarterly or ongoing compliance reviews
- Executive and departmental reporting
- Advisor-panel collaboration
- Regulatory-update and implementation monitoring
- Fractional executive direction when selected
For payroll, HR and benefits organizations
Professional Partner Access
Controlled partner access is available for qualified payroll companies, HR firms, benefits agencies and related professional organizations that want to strengthen employer support through Nexus125™ assessments, education and advisor-reviewed deliverables.
Portal access is provided as part of a defined Nexus125™ advisory engagement. Access duration, authorized users, professional review, deliverables and support are determined by the selected service level. Automated indicators are preliminary and are not released as final findings without professional review.
A stronger HR partnership
Bring structured benefits education to your organization.
Schedule a focused conversation about your team, current benefits responsibilities and the Nexus125™ training format that best fits your needs.
Book a complimentary call