1095EZ Online

What 1095EZ Online does

1095EZ Online (legal entity: TCS Holdings, LLC) is a private US software and services company that provides a cloud-based ACA compliance reporting platform for IRS Form 1095-C and related 1094-C transmittals. The platform is positioned as a standalone, software-agnostic alternative to bundled payroll-provider offerings, accepting census data from any payroll or HCM system and automatically calculating the IRS compliance codes that populate lines 14 and 16 of Form 1095-C. Underlying technology is a rules-based processing pipeline that converts approved 1095/1094 data into the XML format required for electronic filing to the IRS AIR system and exposes PDF downloads to the customer.

The company serves US-based Applicable Large Employers (organizations averaging 50+ full-time or full-time-equivalent employees) as well as small businesses needing 1095-C reporting for fully-insured, self-insured, or level-funded health plans. A secondary segment addresses non-compliant employers requiring correction of prior-year errors, late or delinquent returns, and responses to IRS Notice CP220J, including penalty disputes and abatement. Commercial channels span a self-serve web PLG motion for transactional filings and a direct sales-assisted motion for complex compliance work.

The business model is primarily transaction-based: $18 per form for eFile Only and $20 per form for eFile + Print/Mail, both subject to a $750 annual minimum, plus hourly professional services for custom work. There are no disclosed subscription fees or PEPM pricing. The company operates from a single Huntersville, North Carolina office, is founder-led (Stephen Swanick, Founder & CEO), and reports no external institutional investors. Public customer logos include Mount Angel Abbey, Physicians Pharmacy Alliance, Global Consulting International, and an unnamed National Basketball Association franchise; revenue and funding figures are not publicly disclosed.

Name

1095EZ Online

Legal name

TCS Holdings, LLC

Website

https://1095ez.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

1095EZ Online is a US cloud platform that prepares, codes, and e-files IRS Form 1095-C on behalf of Applicable Large Employers and small businesses, using software-agnostic census data inputs and a per-form transactional pricing model.

Ownership category

akta.pro rank

Headquarters

HQ city

Huntersville

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. 1095-C Form Filing Services: Transaction-based pricing where customers pay per form filed. Two service tiers: eFile Only at $18/form and eFile + Print/Mail at $20/form. An annual minimum of $750 applies for eFile Only service.
2. Print and Mail Add-on: Optional add-on service where paper copies of 1095-series documents are printed and mailed directly to employee home addresses for additional compensation per form.
3. Custom ACA Compliance Services: Hourly-billed professional services for complex needs including correcting prior-year filing errors, filing late or delinquent returns, IRS notice responses (CP220J), penalty disputes and recalculations, and penalty abatement.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

1095EZ Online provides a cloud-based SaaS platform that prepares and electronically files IRS Form 1095-C on behalf of U.S. employers to satisfy ACA reporting requirements. Customers upload a census file from any payroll or HCM system, and the platform automatically calculates the required IRS codes, generates the 1095-C and 1094-C documents, allows draft review, and eFiles in XML format to the IRS AIR system. Add-on print/mail service for employee copies and hourly professional services for penalty disputes, IRS notice responses, and prior-year corrections are also offered.

Product overview

1095EZ Online is a single, unified cloud-based SaaS platform for ACA (Affordable Care Act) compliance reporting. The core product streamlines IRS Form 1095-C preparation and filing for Applicable Large Employers. The platform offers three tiers: eFile Only (basic eFiling at $18/form with $750 annual minimum), eFile + Print/Mail (adds employee copy printing/mailing at $20/form), and Custom services (hourly-billed professional assistance for complex compliance situations such as error corrections, penalty disputes, and IRS notice responses). All tiers process census data to calculate IRS compliance codes and generate the required 1095-C/1094-C forms and XML submissions for the IRS AIR system.

Differentiator

Problem solved

Functional benefit

Products and services

• eFile Only ACA electronic filing service for employers that uploads a census file, calculates IRS 1095-C codes on a per-employee basis with optional overrides for employer-specific situations, and finalizes, pays, and eFiles forms directly through the platform. Priced at $18 per form with a $750 annual minimum.
• eFile + Print/Mail Full-service ACA filing tier that includes all eFile Only capabilities plus printing and mailing of employee 1095-C copies directly to their home addresses. Priced at $20 per form with a $750 annual minimum.
• Custom ACA Compliance Services Hourly-billed professional services for specialized ACA compliance needs including correcting prior-year filing errors, filing late or delinquent returns, response letters to IRS Notice CP220J, penalty disputes and recalculation, and penalty abatement.

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Paylocity: Cloud-based payroll and HCM provider offering ACA compliance, 1095-C generation, and integrated HR workflows for mid-market employers. Comparable as a direct substitute for 1095EZ Online's standalone offering, though Paylocity bundles ACA inside a unified payroll/HCM stack.
• Paychex: Major SMB-focused payroll and HR provider that includes ACA reporting and 1095-C filing as part of its bundled payroll platform. Comparable to 1095EZ Online as a competing ACA compliance solution for the same mid-market employer base, though delivered as part of an integrated payroll suite.
• SurePayroll: Small business-focused online payroll provider (owned by Paychex) offering ACA filing and 1095-C generation as part of its payroll service. Comparable because it competes directly for the same small employer ACA compliance budget with a similar ease-of-use positioning.
• Benefitfocus: Benefits administration platform with ACA measurement, tracking, and 1095-C e-filing capabilities integrated into its broader benefits workflow. Comparable as a competing ACA compliance solution for large employers, though bundled inside a much wider benefits administration suite.
• ADP: Largest US payroll and HR services provider with bundled ACA compliance and 1095-C filing capabilities inside its RUN, Workforce Now, and Vantage HCM platforms. Comparable because it directly competes for the same Applicable Large Employer compliance dollars, but operates as part of a much broader portfolio rather than as a standalone ACA filing service.

Emerging players

• Employee Navigator: Benefits administration and HR platform serving the broker channel with integrated ACA tracking, measurement, and 1095-C filing workflows. Comparable because it targets the same mid-market employer compliance need with a software-led approach, though positioned as a broader benefits/HR platform rather than a standalone filing service.
• Patriot Software: Small business accounting and payroll software provider that includes ACA 1095-C filing as an add-on to its payroll product. Comparable because it competes for the same small and mid-sized employer ACA compliance spend at similarly affordable price points.
• Mineral (formerly ThinkHR): HR compliance and people management platform providing ACA tracking, 1095-C filing support, and compliance content to SMB and mid-market employers. Comparable because it serves the same employer compliance need through a similar software-plus-content approach, though with a broader HR compliance scope.

Direct peers

• Tax1099: Transaction-based e-filing platform for 1099, W-2, and ACA series forms with API integrations to payroll and accounting systems. Comparable because of its near-identical business model — pay-per-form pricing, software-agnostic design, and self-serve onboarding — making it a direct competitive analog for 1095EZ Online's ACA 1095-C filing service.
• Greatland Corporation: Niche provider of W-2, 1099, 1095, and ACA filing software targeting accountants and small businesses. Comparable because it operates in the same narrow tax-form e-filing niche with a similar transaction-based pricing model and self-serve workflow, directly competing for 1095-C compliance dollars.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Ez1095

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 1095EZ Online