The Benefit Document Creator (powered by Mineral) includes guided wizards for seven benefits plan document types. Each wizard walks you through the information needed to create the document, with tool tips and access to live support.
Who this is for
Employers and Compliance Feature Admins can open the tool when the employer has Compliance Premium or Compliance Ultimate.
To access:
- Go to Compliance → HR Resources.
- Select Access HR resources to open Mineral in a new tab, then use the Benefit Document Creator there.
Wrap Document
A wrap document (also called a wrap plan or wrap SPD) consolidates multiple insurance policies and benefit plans under a single ERISA plan document. It wraps around your existing insurance contracts so you maintain one written plan structure instead of treating each policy as its own ERISA plan.
Use this wizard when you need a written plan document that covers group health, dental, vision, life, disability, or similar insured benefits together.
POP (Premium Only Plan)
A Premium Only Plan is a Section 125 cafeteria plan that lets employees pay their share of insurance premiums with pre-tax dollars. It is the simplest form of a Section 125 plan.
Use this wizard when employees contribute to health, dental, vision, or other insurance premiums on a pre-tax basis and you need a written POP document. If you also offer FSAs or other cafeteria benefits, use the Wrap Section 125 Document Creator instead of (or in addition to) a POP-only document.
FSA (Flexible Spending Arrangement)
An FSA plan document establishes a Flexible Spending Arrangement so employees can set aside pre-tax dollars for eligible healthcare expenses (Health FSA or Limited Purpose FSA) or dependent care expenses (Dependent Care FSA).
Use this wizard when you offer a Health FSA, Limited Purpose FSA, or Dependent Care FSA and need a written plan document covering contribution limits, eligible expenses, the plan year, and grace period or carryover rules.
HRA (Health Reimbursement Arrangement)
An HRA plan document establishes an employer-funded Health Reimbursement Arrangement that reimburses employees for qualified medical expenses and, in some designs, health insurance premiums.
Use this wizard when you offer an HRA and need a written plan document that defines eligibility, reimbursable expenses, allowance amounts, and carryover rules.
ICHRA (Individual Coverage Health Reimbursement Arrangement)
An ICHRA plan document establishes an Individual Coverage Health Reimbursement Arrangement so employers can reimburse employees tax-free for individual health insurance premiums and other medical expenses.
Use this wizard when you offer an ICHRA and need a written plan document that defines employee classes, allowance amounts by class, and integration rules with individual coverage. Employees must be enrolled in individual health insurance to participate.
Qualified Transportation Plan Documents
A Qualified Transportation Plan (commuter benefits) document establishes a program that lets employees pay for eligible commuting expenses with pre-tax dollars—such as transit passes, vanpooling, and qualified parking.
Use this wizard when you offer pre-tax transit, vanpool, or parking benefits and need a written plan document.
SPD (Summary Plan Description)
A Summary Plan Description explains the key features of an employee benefit plan in plain language—what the plan provides, how it operates, and participants' rights and obligations. ERISA requires employers to provide an SPD to participants.
Use this wizard when you need an SPD that covers plan identification, administrator information, eligibility, benefits, claims and appeals, and the ERISA rights statement.
Common questions
Can I create multiple documents of the same type?
Yes. Document creation is unlimited—you can generate as many documents as you need.
Do these documents replace my insurance carrier's plan materials?
No. A wrap document works alongside your carrier's certificates of coverage and plan materials. It wraps them into a unified ERISA plan structure; it does not replace them.
What if my plan design does not fit the wizard?
The wizards cover common plan structures. For highly customized arrangements, consult a benefits attorney or ERISA specialist. Compliance Ultimate also includes access to Mineral HR Experts for general guidance.