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The bigger the client, the messier the onboarding — especially when compliance isn't baked into your process from day one. If you're bringing on a group over 50 lives, or one with self-funded plans, HRAs, HSAs, or FSAs, you can't wing it. Each arrangement comes with its own compliance requirements, and missing one can create liability for your agency and headaches for your client. A clear, repeatable onboarding checklist isn't just good operations — it's risk management. Know what plan types you
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