What ETC Companies does

ETC Companies is a private, San Antonio-based compliance services firm founded in 2012 that specializes in Affordable Care Act (ACA) reporting, HR compliance, and broker support for U.S. employers. The company serves four primary customer segments: Applicable Large Employers (ALEs) with 50+ full-time equivalents subject to ACA employer shared responsibility rules, self-insured employers, fully insured plan sponsors, and insurance brokers/HR consultants needing back-office compliance support. Service offerings include ACA filing and consulting (Forms 1094/1095), IRS penalty defense (Letter 226J response), monthly HR compliance subscriptions, broker platform assistance, training and webcasts (the Coffee Talk series), and a 1095 retrieval service (ETC Retrieve). In January 2026, ETC completed a SOC 2 Type I audit with Thoropass, formalizing its data security posture for handling sensitive employee healthcare data.

ETC's revenue model combines professional services fees for project-based ACA filings and penalty consulting with recurring monthly subscriptions for ongoing HR compliance support and broker channel services. Pricing is not publicly disclosed and is customized per engagement; the company explicitly avoids pushing full-service packages in favor of modular, boutique-style solutions. Distribution is sales-led, executed through direct employer engagement, broker and consultant channels staffed by licensed Health & Welfare Consultants, and educational content marketing via webcasts, blog/news content, and industry association participation (NABIP, Houston AHU, SHRM, SAHRMA). The firm's strategic integration partnerships (Allsync for enrollment automation, Take Command Health for QSEHRA/ICHRA administration, SK Compliance and Wrangler5500/Allsync for Form 5500 filing, Choice Partners for public-sector purchasing cooperative access) extend the product surface beyond pure ACA reporting into adjacent compliance and benefits administration workflows. Core technology is not publicly disclosed; the company's proprietary assets are its compliance expertise, SOC 2-certified data infrastructure, and consultant-led delivery model rather than a software platform.

Name

ETC Companies

Legal name

ETC Companies

Website

https://eligibilitytrackingcalculators.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

ETC Companies is a San Antonio-based private compliance services firm that provides ACA reporting, IRS penalty defense, HR compliance subscriptions, and broker support to Applicable Large Employers, self-insured and fully insured plan sponsors, and insurance brokers across the United States.

Ownership category

akta.pro rank

Product category

ACA and HR Compliance Services

NAICS

Human Resources Consulting Services (541612), Insurance Agencies and Brokerages (52421), Management Consulting Services (54161)

SIC

Services-Management Consulting Services (8742), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

HR Compliance & Policy Administration Outsourcing (incl. regulatory reporting) (BPACAKAK)

akta.pro secondary industries

Employee Benefits Brokerage & Consulting (FSAEADAC), Compensation, Benefits & Total Rewards Advisory (BPACAJAG), Compensation, Benefits & Rewards Consulting (BPAHAGAF)

Keywords

• ACA compliance services
• HR compliance consulting
• Employer benefits reporting
• Broker compliance support
• Regulatory compliance consulting

Headquarters

HQ city

San Antonio

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. ACA Compliance Services: Professional services revenue from ACA Filing/Consulting and Penalty Consulting Services, including Form 1094/1095 preparation and IRS penalty response.
2. HR Services: Monthly HR Compliance and ongoing support services delivered to clients.
3. Broker Support Services: Services provided through licensed Health & Welfare Consultants supporting broker platforms.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

ETC Companies provides ACA filing and consulting services (including Form 1094/1095 preparation and IRS penalty response/Penalty Consulting) for Applicable Large Employers, ongoing HR compliance support (Monthly HR Compliance), and licensed Health & Welfare Consultant assistance for insurance brokers. Complementary offerings include compliance training/webcasts (Coffee Talk) and an employee-facing 1095 retrieval service called ETC Retrieve.

Product overview

ETC Companies offers a suite of compliance and reporting solutions primarily focused on ACA (Affordable Care Act) compliance for employers. The core product portfolio includes ACA Services (filing, consulting, and penalty consulting), HR Services, Broker Support Services, Training, ETC Retrieve (for 1095 form retrieval), and Coffee Talk Webcasts. These services work together to help Applicable Large Employers manage their health benefits compliance obligations, including eligibility tracking, penalty avoidance, and IRS form filing through a secure portal with hands-on guidance.

Differentiator

Problem solved

Functional benefit

Products and services

• ACA Services ACA Filing, Consulting, and Penalty Consulting Services for Applicable Large Employers (ALEs), including Form 1094/1095 preparation and IRS penalty response (e.g., Letter 226J). Designed to help ALEs comply with Affordable Care Act employer shared responsibility requirements and avoid penalties.
• HR Services Monthly HR Compliance and ongoing HR support service connecting clients with the right HR compliance service solutions on a subscription/recurring basis. Delivered as embedded HR department support to employer clients.
• Broker Support Services Licensed Health & Welfare Consultant assistance provided to insurance brokers and broker platforms, supporting their employer clients with ACA compliance, 1095 preparation, and penalty consulting. Served through a dedicated Broker Compliance Services Division.
• Training Educational training services including webinars and webcasts to help employer and broker clients understand compliance requirements such as ACA reporting and HR compliance.
• ETC Retrieve Service that helps employees retrieve their Form 1095, with dedicated support via email at [email protected]. An employee-facing extension of ETC's ACA reporting offering.
• Coffee Talk Webcasts Informational webcast series presenting compliance basics, team introductions, FLSA overviews, PCORI fees, and Form 5500/SAR requirements for health and welfare benefits. Functions as an educational offering and top-of-funnel marketing channel.

Quantifiable outcome

• Successfully completed SOC 2 Type I audit demonstrating data security compliance
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered minor and core.

• OnsigroupminorOthersFederal Contracts (SCA) Compliance partner providing guidance on Service Contract Act requirements. Contact: Angela R. Hendrix, JD at (210) 547-3672.
• LS ScreeningminorOthersDrug Testing & Background Checks partner. Contact: Amie Kalb at (512) 275-1130.
• SK ComplianceminorOthersForm 5500 preparation and filing partner. Contact: Susan Cote, Industrial Psychologist at (210) 812-9383.
• Wrangler5500/AllsyncminorOthersForm 5500 filing services partner. Contact: Pam Branham.
• FirstStaff BenefitsminorOthersBenefit Solutions partner providing comprehensive benefits administration support. Contact: Mike Martens at (865) 773-7676.
• Choice PartnersminorOthersNational Purchasing Cooperative partner for school districts and public entities. Contact: Stephen Gibson.
• D ArchicourtminorOthersAccounting services for small businesses. Contact: Angela R. Hendrix, JD at (317) 210-1076.
• Wonder CPA FirmminorOthersCPA firm providing accounting and financial services. Contact: Steve Wonder at (210) 377-1040.
• National Association of Benefit and Insurance Professionals (National)coreStrategic or Co-development PartnerNational professional organization for benefit and insurance professionals. ETC staff members play integral roles in this organization.
• National Association of Benefit and Insurance Professionals (San Antonio Chapter)coreStrategic or Co-development PartnerLocal San Antonio chapter of NABIP. ETC staff members participate in chapter activities and events.
• Houston Association of Health UnderwriterscoreStrategic or Co-development PartnerHouston chapter of health underwriters association. ETC staff members play integral roles in the organization.
• Society for Human Resource Management (SHRM)coreStrategic or Co-development PartnerNational HR professional organization. ETC maintains engagement and education partnership.
• San Antonio Human Resource Association (SAHRMA)coreStrategic or Co-development PartnerLocal San Antonio HR association. ETC staff members play integral roles in the organization and participate in events including HR Palooza.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mineral (formerly ThinkHR): HR compliance platform serving employers with policy libraries, training, and compliance support. Directly comparable to ETC's HR compliance subscription offering, though delivered through a more software-led model.
• ACA Compliance Group: Specialty firm focused on ACA employer reporting, ALE tracking, and 1094/1095 filing for brokers and employers. One of the closest direct competitors to ETC in ACA compliance services.

Broad incumbents

• OneDigital: Large national benefits brokerage and consulting firm that bundles ACA tracking, HR compliance, and benefits administration. Represents the scaled incumbent ETC competes against, especially through broker channels.
• ADP: Global payroll and HR services incumbent offering ACA compliance, benefits administration, and HR compliance as part of an integrated suite. Represents bundled competition to specialty firms like ETC.
• Paychex: Payroll, HR, and benefits administration provider serving SMBs and mid-market employers with built-in ACA reporting. Competes with ETC on bundled compliance services at scale.
• NFP: Large insurance brokerage and benefits consulting firm offering ACA reporting and HR compliance services through broker and direct channels, overlapping ETC's broker support motion.
• Brown & Brown: National insurance brokerage with benefits compliance and HR consulting practices serving ALEs. Comparable as a broker-channel competitor with broad compliance services.
• Marsh McLennan: Global professional services firm with benefits consulting and compliance practices serving large ALEs. Represents the upper end of competition for enterprise ACA and HR compliance mandates.

Emerging players

• PeopleKeep: ICHRA and QSEHRA administration platform that is both an ETC partner and an emerging competitor in the defined-contribution benefits compliance space, particularly for small employers.
• Take Command Health: ICHRA/QSEHRA administration software partner of ETC, also operating in adjacent compliance territory for small and mid-market employers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/etccompanies

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ETC Companies