The simplest and most comprehensive nondiscrimination testing product in the marketplace

An increasing number of employers offering welfare and retirement plans to their employees are looking to their benefit administrators for easy and efficient ways to stay compliant with IRS nondiscrimination requirements.

NDX is a cutting edge product for Benefit administrators to address their clients' needs quickly and efficiently while providing a host of value-added services.

  • Industry expert certified
  • HCE/HCI/Key Identification
  • Comprehensive reports
  • Detailed recommendation
  • HIPAA compliant
  • 100% Automated testing
  • Auditing enabled
  • Data Archival
  • We needed a scalable solution to maintain our continued excellence in the area of benefits compliance. After researching various available tools and evaluating whether to build an automated solution ourselves, NDX became the choice for meeting our needs. Integrating NDX into our compliance testing process has allowed us to scale a very time intensive process, without hiring and training additional staff-providing us more flexibility.
    - Jody Dietel, Chief Compliance Officer, WageWorks

  • Click here to read more about this success story...
What can NDx do for you?
Benefit Administrators value NDx's accurate and reliable results

Your nondiscrimination testing can now be done in 3 simple steps!

  • Your client(employer) provides the required information in an Excel file to run the tests.

  • NDx validates and executes all the required tests and provides you with a pass/fail summary report.

  • You review, approve, download results and recommendations, and share with your client(employer).

  • TPA-centric

  • Easily creatable professional-looking reports
  • Detailed recommendations
  • Ability to publish alerts to clients
  • Automated Employer data validation and error handling
  • White-labeled solution with branded notifications
  • Employer-centric

  • Portal to upload data and review results
  • Self service capabilities reduces cost
  • Data and test results archived for 7 years
  • unlimited user logins

  • Other Advantages

  • No IT or setup costs for the Benefit Administrator or Employer
  • Never have to cut corners by foregoing most or all required testing
  • No prepayment or revenue commitment
  • Backed up by world class support process and team

Cafeteria Plans (Code Sec. 125)

Employee benefit plans that offer eligible employees the ability to choose from a menu of various types of benefits. Benefit options may include health and accident insurance, health and dependent care flexible spending arrangements (FSAs), HSA contributions, and cash (among others). If plan is discriminatory, highly paid/key employees may have adverse tax consequences.

25% Key Employee Concentration Test
Eligibility Test
Safe Harbor Percentage Test
Contributions and Benefits Test
Availability Test
Utilization Test

Health FSA, HRA, and Self-Insured Medical Plans (Code Sec. 105(h))

Health FSA/HRA. Allows employees to obtain reimbursement for medical expenses that are not insured (e.g. copayments, deductibles, etc.). Health FSAs are typically funded by employees; HRAs are employer-funded.
Self-Insured Medical Plan.A plan that does not use insurance to pay health benefits.

Eligibility Test
70% Test
70% / 80% Test
Nondiscriminatory Classification Test
Benefits Test

Dependent Care Assistance Program (Code Sec. 129)

Employer sponsored program that provides reimbursements (up to $5,000 annually) to employees who pay for dependent care.Allows employees to pay dependent care expenses on a pre-tax basis.

More-Than-5% Owners Concentration Test
55% Average Benefits Test
Eligibility Test
Nondiscriminatory Classification Test
Contributions and Benefits Test
  • Details

  • HIPAA Compliant
  • Hosted service (SaaS)
  • Secure Connection (Https)
  • Data encryption and security
  • Plug-n-Play with no IT or setup cost
  • Single SignOn
  • Role based access
  • Archival and purge services