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Compliance Disclaimer

DISCLAIMER & COMPLIANCE NOTICE

This document is for informational and educational purposes only and does not constitute legal, tax, accounting, or ERISA advice. Area Benefits LLC is not acting as a fiduciary, third‑party administrator, or legal advisor unless explicitly agreed to in writing. All plan designs, funding mechanisms, and cost‑saving estimates are illustrative and not guarantees of future performance.

Self‑funded, level‑funded, and reference‑based pricing arrangements may expose employers to financial, regulatory, and employee‑relations risks. Employers are solely responsible for compliance with all applicable federal and state laws, including but not limited to ERISA, ACA, HIPAA, COBRA, Wisconsin insurance statutes, and Department of Labor requirements. Employers should consult their own legal counsel, CPA, and third‑party administrators before implementing any plan described herein.

Savings estimates, claim trends, and reimbursement examples are based on historical data and market experience and may vary materially based on demographics, claims utilization, provider behavior, regulatory changes, and stop‑loss contract terms. No representation is made that any specific outcome will be achieved.

Small Dog, llc dba. Area Benefits makes no warranty, express or implied, regarding the accuracy or completeness of the information contained herein and disclaims liability for decisions made based on this material. We are a strategic broker/advisor, not plan sponsor or fiduciary.