What MZQ Consulting does

MZQ Consulting is a privately held firm founded in 2014 and based in Pikesville, Maryland, that offers ACA reporting and benefits compliance services. Detailed source material on the company's broader operations describes an integrated workplace administration and compliance business operating across three service areas: Compliance (ACA employer reporting, ERISA Form 5500 filings, fiduciary solutions, Mental Health Parity and NQTL analysis, HIPAA privacy and security, gag clause analysis, RxDC reporting, wrap documents, PCORI filings, nondiscrimination testing, and POP/cafeteria plan documents), Claims and Audits (medical and Rx claims audits, dependent eligibility verification via iVerifyPro, crossover claims, enrollment data transformation, and claims back-office outsourcing), and Analytics (Lumelight SIR, a SaaS analytics platform for self-insured employers and advisors). A premium tier, Lumelight One, offers senior consultant and attorney access for complex engagements.

The company serves three primary customer segments: Third Party Administrators (TPAs), insurance brokers and benefits consultants, and self-insured employers across industries. Distribution is primarily through a nationwide broker and TPA partner network, supplemented by direct enterprise engagement via the Lumelight One tier. Documented case studies show enterprise outcomes including a $32M penalty elimination for a payroll company, $17M+ in benefits cost savings for a global steel manufacturer, and multi-million-dollar savings from dependent eligibility verification for healthcare employers. The business operates on a mixed revenue model combining recurring compliance subscriptions, professional services for claims audits and verification, and SaaS analytics subscriptions. Leadership includes founder Jennifer Berman (Chief Legal Officer and, per supplementary leadership data, Chief Executive Officer) and co-founder Jim Spiegel (Chief Innovation Officer), with a reported headcount of 11-50 employees.

Name

MZQ Consulting

Legal name

Lumelight

Website

https://mzqconsulting.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

MZQ Consulting is a privately held US firm offering ACA reporting and benefits compliance services, with source data describing integrated compliance, claims audit, and SaaS analytics offerings for brokers, TPAs, and self-insured employers nationwide.

Ownership category

akta.pro rank

Product category

Benefits Compliance Consulting

NAICS

Management Consulting Services (54161), Other Scientific and Technical Consulting Services (54169), Marketing Consulting Services (541613)

SIC

Services-Management Consulting Services (8742), Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

M&A HR Advisory (Due Diligence, Integration, Carve-outs) (BPACAJAL)

akta.pro secondary industries

Sustainability & ESG Consulting (BPAHACAK), Customer Experience (CX) & Digital Experience (BPAHAEAC), Patient Relationship Management (PRM) & CRM for Provider Growth (Marketing/Outreach) (HLACAEAO), M&A Advisory (Buy-Side & Sell-Side) (BPAHAOAA)

Keywords

• ACA reporting services
• Benefits compliance consulting
• ERISA compliance advisory
• Employer benefits administration
• Regulatory compliance consulting

Headquarters

HQ city

Pikesville

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Compliance Services: End-to-end compliance services including ACA employer reporting, 5500 filings, HIPAA privacy and security, Mental Health Parity analysis, and other ERISA-related compliance solutions for employer benefit plans.
2. Claims Audits and Verification: Claims auditing services including medical and Rx claims audits, dependent eligibility verification, and crossover claims processing.
3. SaaS Analytics (Lumelight SIR): Analytics software subscription for self-insured employers and advisors to analyze benefits data and claims performance.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

MZQ Consulting provides ACA reporting and benefits compliance services to employer clients and benefits plan sponsors. The firm delivers consulting expertise focused on regulatory compliance for employee benefit programs, with a primary emphasis on ACA reporting obligations and broader benefits compliance administration.

Product overview

Lumelight is an integrated workplace administration and compliance company offering a platform-plus-modules architecture with three integrated service areas: Compliance, Claims, and Analytics. The Compliance suite includes products such as 5500 Filings, ACA Employer Reporting, Compass ERISA Suite, Compliance Planner, Fiduciary Solutions, Gag Clause Analysis, HIPAA Privacy & Security, Mental Health Parity & NQTL Analysis, Nondiscrimination Testing, PCORI Filing, POP & Cafeteria Plan Documents, RxDC Reporting, and Wrap Documents. The Claims & Audits area encompasses Business Process Outsourcing, Crossover Claims, iVerifyPro (Dependent Eligibility Verification), Enrollment Data Transformation, and Claims Audits. The Analytics division features Lumelight SIR, a SaaS analytics solution for self-insured employers. Lumelight One serves as a premium strategic engagement tier.

Differentiator

Problem solved

Functional benefit

Brands

• Lumelight One: Premium service offering providing senior consultant and attorney access, deeper strategic engagement, and customized solutions for clients requiring precision and expertise.
• Lumelight SIR
• iVerifyPro
• Compass ERISA Suite

Products and services

• ACA Reporting Services ACA (Affordable Care Act) reporting services for employer clients, supporting compliance with IRS and federal ACA filing requirements for applicable large employers and benefits plan sponsors.
• Benefits Compliance Consulting Broader benefits compliance consulting services for employer clients covering regulatory requirements applicable to employee benefit plans, including ACA-related compliance administration.

Quantifiable outcome

• $32M penalty eliminated for a payroll company
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Broker Partnerships NetworkcoreChannel Partner/ Reseller/ DistributorLumelight has established broker partnerships nationwide. These brokers serve as distribution channels, helping employers navigate complex benefits compliance and administration using Lumelight's integrated solutions.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• OneSource Virtual: OneSource Virtual is a business process outsourcer focused on benefits administration, HR, payroll, and compliance for mid-market and enterprise employers. It directly competes with Lumelight in outsourced ACA reporting, ERISA filings, and benefits compliance services delivered through a technology-enabled platform.
• Sequoia Consulting Group: Sequoia provides employee benefits consulting, administration, and compliance services to mid-market and large employers. It is a close functional analog to Lumelight, with overlapping offerings in ACA reporting, ERISA compliance, and benefits administration delivered via consulting engagements.
• Benefitfocus (Voya Financial): Benefitfocus, now part of Voya Financial, is a benefits administration technology platform serving employers, brokers, and TPAs with enrollment, ACA reporting, and compliance workflows. It is highly comparable to Lumelight's integrated platform-plus-modules approach for benefits compliance and administration.
• ThinkHR (Mitratech): ThinkHR, part of Mitratech, delivers HR compliance, policy, and training content to employers and brokers. It directly competes with the regulatory and compliance advisory side of Lumelight's business, addressing similar employer pain points around federal and state HR compliance.
• Mineral (formerly HR360): Mineral provides HR, benefits, and compliance software plus advisory services to small and mid-sized employers, frequently distributed through broker channels. It mirrors Lumelight's broker-led GTM and integrated compliance + benefits focus.
• PlanSource Benefits Administration: PlanSource is a cloud-based benefits administration and employee engagement platform serving mid-market and enterprise employers with enrollment, ACA reporting, and decision-support tools. It is closely comparable to the platform and analytics components of Lumelight's offering.
• WageWorks (HealthEquity): WageWorks, now part of HealthEquity, provides consumer-directed benefits administration (FSA, HSA, commuter, COBRA) and compliance services to employers and TPAs. It is comparable to Lumelight's claims back-office, COBRA-adjacent, and benefits administration offerings.

Broad incumbents

• ADP TotalSource / ADP Compliance: ADP is a broad HR, payroll, and benefits administration incumbent with compliance solutions (ACA, payroll tax, HR) embedded in its core platform. It is comparable as a much larger competitor that increasingly absorbs benefits compliance into bundled offerings for the same employer buyer.
• Workday: Workday is a broad enterprise HR and financial management platform offering benefits administration, compliance reporting, and analytics. Its Benefits and Workday Peakon for Compliance capabilities overlap with Lumelight's mid-market and enterprise positioning.
• Holmes Murphy: Holmes Murphy is an independent insurance brokerage and consulting firm with deep employee benefits, compliance, and risk management practices. It competes with Lumelight in delivering benefits compliance services to employers, often via broker-led engagements.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@LumelightCo
• LinkedInlinkedin.com/company/mzq-consulting-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 MZQ Consulting