Protect your organization with the right insights.
Below you’ll find past Comply on the Fly episodes with host Karen Breitnauer, organized by topic, making it easy to find exactly what you need—whether it’s the latest regulation insights, solutions for common challenges, or quick tips. Each episode is under five minutes, tackling top questions and breaking down key compliance updates so you can stay informed without missing a beat.


Meet the host
Karen Breitnauer is a senior compliance attorney and director of employee benefits compliance at M3 Insurance. She is responsible for providing compliance information and guidance to clients through education and consultation. In her role she serves as the senior legal staff resource for public and private sector entities on specific compliance topics.
During the past decade, she has focused on the compliance efforts of M3 clients through group speaking engagements, creation proprietary educational materials, and individual client compliance reviews. During the implementation of the Affordable Care Act (ACA), she served as M3’s lead resource and an industry expert.
Access most recent episodes
Affordable Care Act
The Affordable Care Act continues to shape employer health plan requirements, from affordability calculations to reporting obligations. These episodes break down key ACA rules, annual updates, and practical considerations to help employers stay compliant and avoid costly penalties.
HSA
FSA
HDHP
Health savings accounts, flexible spending accounts, and high-deductible health plans are common benefit offerings, but the rules surrounding them change frequently. These episodes explain contribution limits, eligibility requirements, and common compliance pitfalls employers should understand when managing these accounts.
COBRA
COBRA administration can quickly become complicated when qualifying events, coverage coordination, or special circumstances arise. This section covers the fundamentals of COBRA compliance and explores scenarios employers often encounter when employees lose coverage or experience changes in eligibility.
ERISA
ERISA governs many of the documentation, reporting, and fiduciary responsibilities tied to employer-sponsored benefit plans. These episodes walk through key requirements such as Form 5500 filings, plan documentation, and other obligations employers must manage to maintain compliance.
Leave
Employee leave laws continue to evolve as federal requirements intersect with new state and local programs. In these episodes, we explore common leave scenarios, employer responsibilities, and how policies like FMLA and state-based leave programs impact benefits administration.
Medicare
When employees or dependents become eligible for Medicare, coordination with employer health coverage becomes critical. These episodes discuss employer responsibilities, reporting requirements, and how Medicare eligibility affects benefit plans and compliance obligations.
The information provided is a summary of laws and regulations relating to employee benefit plan compliance. This information should not be construed as legal advice. In all cases, employers should consult with their own legal counsel.





