Evidence ledger · evidence ledger

SafeHarbor

SafeHarbor — AI-Native ACA 1095-C Reporting & 226J Penalty-Defense Engine Decision Title Final decision Executive summary Thesis Discovery Discovery rationale Candidate comparison CODE validation Rubric scorecard Customer Target buyer Jobs-to-be-Done Painful problem Outcome we sell MVP wedge Evidence Evidence summary Claim table Source-claim matrix Market & demand Active buyer conversations Competitive landscape Competitor & budget validation Pricing Regulation Regulatory considerations Licensing boundary Engine AI-native advantage Internal AI engine AI-vs-human pipeline Dynasty translation Anti-duplication Anti-commoditization Operations Service delivery workflow Operations as product Quality engine Human expert table Minimum viable offer Fulfillment process Tools & systems Human-in-the-loop QC Unit economics Go-to-market Distribution proof table Sales & outreach Founder content plan Fi

safeharbornativeaca1095reporting226j

Who this is for

A precise operating owner, not a generic audience.

Responsible buyer

Target buyer Attribute Detail Primary ICP Mid-market Applicable Large Employers, ~100–1,000 full-time employees, with hard-to-code workforces: variable-hour, seasonal, hourly, unionized, or high-turnover (restaurants, retail, staffing, healthcare, hospitality, home care, logistics). Economic buyer CFO / VP Finance or Head of HR/Total Rewards; often the Controller who signs the 1094-C authorization. Champion / user Benefits Manager or Payroll Manager who currently wrestles the codes each January and dreads the AIR rejection / 226J letter.

Cost of the gap

Painful problem The pain is not the form — it is the code set behind the form . Each 1095-C carries, per month, a Line 14 offer-of-coverage code and a Line 16 safe-harbor/relief code whose correctness depends on measurement and stability periods, the affordability percentage for that plan year, waiver documentation, and every mid-year status change.

Outcome

The outcome we sell We do not sell "ACA software." We sell an accepted, correctly coded, on-time ACA filing with the penalty risk carried by us. Concretely, each cycle the customer receives: (1) a completed 1094-C and every 1095-C with defensible Line 14/16 codes; (2) IRS AIR acceptance confirmation (and any required state-portal acceptance); (3) furnishing handled per the new "on request" rules plus state furnishing where required [S1][S9] ; (4) a 226J-ready audit file documenting the data lineage and coding rationale for every employee-month; and (5) included Letter 226J / 5699 response defense if the IRS ever questions the filing.

Decision rule

Proceed only when the source record, service boundary, responsible reviewer, and release criteria can be named before work begins.

Method

The work moves through visible states.

  1. ScopeService delivery workflow Onboard: engagement letter, data-source mapping, prior-year filings, plan/affordability inputs, state footprint.
  2. CollectIngest & reconcile: AI normalizes payroll + benefits + roster into employee-month records; exceptions flagged.
  3. NormalizeCode: AI + rules propose Line 14/16 per month with confidence and rationale.
  4. ValidateReview: analyst clears the exceptions queue and approves the code set (chokepoint).
  5. ResolveFile: transmit 1094-C/1095-C via AIR; file state portals; capture acceptances; handle re-transmit on any AIR error.
  6. ReviewFurnish: on-request notice + state furnishing where required [S1][S9] .
  7. ReleaseDocument: deliver per-employee-month audit file + exceptions report.

Engagement

Buy the reviewed outcome, with boundaries written down.

Pricing evidence & proposed pricing Evidence: in-house cost benchmarks of $5–15K/yr for ~200-employee employers [S10] ; utility software from ~$349 base [S10] ; specialist pricing typically quote-based per-employee [S11] .

Release package

  • The outcome we sell We do not sell "ACA software." We sell an accepted, correctly coded, on-time ACA filing with the penalty risk carried by us.
  • Concretely, each cycle the customer receives: (1) a completed 1094-C and every 1095-C with defensible Line 14/16 codes; (2) IRS AIR acceptance confirmation (and any required state-portal acceptance); (3) furnishing handled per the new "on request" rules plus state furnishing where required [S1][S9] ; (4) a 226J-ready audit file documenting the data lineage and coding rationale for every employee-month; and (5) included Letter 226J / 5699 response defense if the IRS ever questions the filing.
  • The interface to the customer is a benefits analyst and a clean dashboard of "filed / accepted / defended," never a code-entry screen.
  • A human-released operating pack with version history and a correction channel.

Proof standard

Operating evidence: No verified cycle-time result is published yet. The first result will be calculated from accepted intake through qualified-human release.

Client evidence: No client identity or case narrative is published. A reference may appear only after written permission and factual review.

Volume evidence: No completed-client count is claimed. Counts will be published only after the delivery ledger and provider records reconcile.

Evidence room

Authority comes from traceable sources, not decorative claims.

Open the full canonical blueprint dossier

  • IFEBPSource identified in the canonical blueprint; verify currency before client reliance.
  • Fisher PhillipsSource identified in the canonical blueprint; verify currency before client reliance.
  • Alston & BirdSource identified in the canonical blueprint; verify currency before client reliance.
  • Equifax WorkforceSource identified in the canonical blueprint; verify currency before client reliance.
  • Kutak RockSource identified in the canonical blueprint; verify currency before client reliance.
  • IRS Topic No. 801Source identified in the canonical blueprint; verify currency before client reliance.
  • Payroll.orgSource identified in the canonical blueprint; verify currency before client reliance.
  • Groom Law GroupSource identified in the canonical blueprint; verify currency before client reliance.

Service boundary

Automation prepares. A qualified human releases.

SafeHarbor is an operational documentation and processing service operated by Your Deputy, Obuke LLC. It is not a law firm and does not provide legal, tax, medical, financial, or other licensed professional advice. Consumer and personal debt matters are not accepted. The client retains its licensed professionals and decision authority. Automation may organize and check records, but a qualified human must review and release every client deliverable. Minimum-necessary data handling and professional review apply.

  • Unsupported facts remain unresolved, never inferred into a client deliverable.
  • Jurisdiction-specific or licensed questions are routed to the client's professional.
  • Every correction retains the source, reviewer, version, and reason for change.

Questions

Know the limits before intake.

Is this legal or professional advice?

No. This is bounded operational documentation and processing support. Licensed judgment remains with the client and its professionals.

Does automation make the final decision?

No. It can organize records, run declared checks, and prepare an exception queue. A qualified human reviews and releases every deliverable.

Is a client portal or CRM already active?

This public site does not claim an active portal integration. Portal access is provisioned only after the relevant backend is configured and independently verified.

What happens when evidence conflicts?

The item is placed in an exception state with its sources and owner. It is not silently resolved or presented as verified.

Fit diagnostic

Send enough context to scope the next conversation—no sensitive files.

Do not submit protected health information, personal financial data, credentials, or confidential client records through this public page.