Administrative Solutions

Providing Top Solutions for Your Organization

First Financial Keeps Your Best Interest in Mind

As an employer, you invest significant resources into employee benefits decisions affecting your organization. One of your biggest challenges is to ensure that they are made in the best interest of all involved. Options need to be weighed to see how they will impact you, your employees and your organization. 

In a world of ever-changing employee benefit scenarios, success is dependent on selecting the right company to help you identify and navigate barriers and complications related to maximizing options. Partnering with us, a fully-licensed third-party administrator opens the doors to industry best practices, utilization of advanced methods of technology, and up-to-date management of compliance and legal regulations. 

In addition, we offer a full range of administrative services such as online billing, record keeping, and program evaluation to keep your organization running smoothly and efficiently.

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Reduce the time it takes to reconcile your bill with our easy-to-use online billing system.

Section 125 Plans

We provide cost-effective methods to manage plans and maximize pre-tax contributions.

Manage Section 125 Plans and maximize pre-tax contributions

Section 125 “Cafeteria Plan” Administration

Costs for the administration of your benefit plans continue to rise and make it expensive to provide employees with quality programs. With Section 125, also known as “Cafeteria Plans,” you can reduce payroll-related taxes while allowing employees to pay for benefits on a pre-tax basis. We provide cost-effective methods to manage plans and maximize pre-tax contributions.

We will determine which products qualify under Section 125 as well as the following:

  • Assure continuing compliance with IRS and Department of Labor regulations and your unique rules
  • Provide all necessary forms and review all Salary Reduction Agreements, Benefit Election Forms, Plan Documents, and plan changes and amendments
  • Coordinate Post Enrollment Payroll Software Upload
  • Maintain all plan records to provide verification of plan compliance
  • Process and administer all new and existing payroll deductions for insurance products under Section 125
  • Process all medical reimbursement and dependent care flexible spending account claims
  • Assist with carrier claims and associated follow-up as needed
  • Provide consolidated online billing to allow payroll departments to submit one check to us for all payroll-deducted products. All interest-bearing and time-sensitive contributions will be processed by our Contribution Desk within two working days of the receipt of the funds.

Benefits Management System

Enhancing your Benefits Enrollment Experience with our industry leading administration platform, FFenroll.


FFenroll is an industry-leading benefits administration platform. Our enrollment system is designed for employers like you who are looking to streamline their enrollment, administrative and compliance processes into one, convenient solution. With 24/7 online access, it makes choosing and administering your benefits easy. Additionally, your custom payroll file will be derived from the election data captured in FFenroll, plus the system is updated in real time so you always have the most recent information available.

Comprehensive Benefit Management System

Time is a precious commodity and we want to help you save more of it. Our FFenroll benefits system was designed to help customers streamline their enrollment, administrative and compliance processes into one, convenient solution. Easy to use and time-saving? Yes! It’s a win-win!

Dashboard & Custom Reporting 

Upon signing in to FFenroll, you will see a dashboard that includes an at-a-glance chart of your group’s enrollment data as well as customizable tabs for policy numbers and plan rules. You can also quickly access employee benefit files and enrollment history.

Plus, there’s no need for you to worry about creating report templates. With hundreds of established feeds, there’s a good chance we already have one made. If not, custom reporting is also available for your specific needs. All reports are generated in Excel format and can be filtered and sorted so you can easily gather all the data you need.

ACA Reporting Capability

Did you know that 90 percent of the data required for ACA reporting is living in your enrollment system? We’ve got you covered. We offer ACA solutions that integrate with FFenroll and most importantly, fit your needs.

Benefit Solutions Simplified

Conserve resources with benefits administration automation

Administrative Automation

Time is money. FFenroll allows you to conserve resources with task automation. Our administrative dashboard includes time-saving features such as a quick glance open enrollment chart, customizable tabs for policy numbers, plan rules, and easy access to employee benefit files and enrollment history.

Flexible benefits administration

Industry Leading Flexibility

With new and innovative products trending in employee benefits, FFenroll is designed to handle complex plan designs and benefit offerings with ease.

Standardized benefits administration reporting

Standardized Reporting

Reporting made easy! Our system includes a comprehensive set of built-in reports that administrators can use out of the box or customize as needed with features such as controlled access, simple point-and-click usability, point-in-time reporting, change reporting, drill-down filtering, and multiple output formats.

ACA Compliance Suite

ACA Compliance Suite

Our system offers the capability to provide ACA solutions. Ninety percent of the information required for ACA reporting lives in your enrollment system. Your benefits live here, and compliance should, too.

Reimbursement Accounts

We provide cost-effective methods to manage plans and maximize pre-tax contributions.  There are a few IRS-approved plans available to help employees save on taxes and increase their spendable income. These plans include Health Savings Accounts, Flexible Spending Accounts, Limited Purpose Flexible Spending Accounts and Dependent Day Care Accounts. Each account offers different tax advantages for different purposes, such as medical and daycare expenses.

Reimbursement Accounts Resources

 We offer the following extras for participants:

FSA and HSA interactive voice response

Interactive Voice Response

When Flexible Spending Account and Health Savings Account participants need to quickly access account information on the go, they can use our Interactive Voice Response system. It is an automated phone system for participants to retrieve balance inquiries, report lost, stolen or damaged benefits cards and review transactions. There is also an option to be transferred to a customer service representative if the issue requires more personalized attention.

FSA and HSA online store

Online Store

First Financial has partnered with the FSA Store and HSA Store to bring participants an easy to use online store to better understand and manage your reimbursement account. Participants can shop at the store for eligible items from bandages to wheel chairs and thousands of products in between, browse or search for eligible products and services using the Eligibility List, and visit the Learning Center to help find answers to questions.

First Financial Benefits Card

Benefits Card

Our convenient First Financial Benefits Card provides instant reimbursement, without your employees having to pay for their qualified expenses upfront and waiting for reimbursement. The Benefits Card can be used with Medical Flexible Spending Accounts, Dependent Day Care Accounts, Limited Purpose Flexible Spending Accounts and Health Savings Accounts. It reduces some paperwork and helps employees minimize the number of forfeitures at the end of a plan year.

Custom online resources for benefits management

Online Portal and Mobile App

We are pleased to provide custom online resources to plan participants.

Employee Benefits Center (EBC)

This is a custom website built specifically for your organization. It offers these great features:

  • Smooth navigation
  • Detailed information about benefits, voluntary product offerings, and employer programs
  • Section 125 Plan and Flex information
  • Important contact numbers and links
  • Downloadable forms and brochures
FSA and HSA Online Portal and Mobile App

Flexible Spending Account (FSA) and Health Savings Account (HSA) participants can conveniently view their account information online using our online portal and mobile app.

FSA Features

  • Account information
  • View card details and profile information
  • Submit FSA claims using an electronic claim form
  • View pending claims
  • Upload receipts and documentation
  • Receive alerts
  • Update direct deposit information

HSA Features

  • Request distributions
  • Invest in HSA funds
  • Make additional contributions
  • Pay a provider or pay yourself
  • Download tax forms


Our knowledgeable team of licensed professionals provide ongoing maintenance of your retirement plans.  

Retirement plan maintenance


Submission Process

Your designated benefits administrator enters the termination in the enrollment platform to submit all necessary information to generate COBRA notifications for employee and dependent qualifying events such as: 

  • Voluntary or involuntary terminations (excluding gross misconduct)
  • Reduction of hours
  • Loss of dependent coverage due to the death of an employee
  • Divorce
  • A dependent child who no longer meets the eligibility criteria

Our Responsibility

Once the information is supplied by an employer, we assume the responsibility of COBRA administration by:

  • Generating and mailing COBRA notifications
  • Sending out notifications using certificates of mailing, while also supplying a record of when and to whom notifications are sent
  • Supplying payment coupons to COBRA qualifiers who elect COBRA to track receipt of payment helping assure timely remittance and staying in compliance with the required time frame
  • Contacting carriers to reinstate coverage and remit premium payments to the carriers
  • Sending out termination letters due to non-payment of premium or the exhaustion of COBRA coverage
  • Notifying carriers of changes and/or termination in coverage
  • Sending out re-enrollment packets to active COBRA participants at plan renewals

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