Eligibility Tracking Calculators

Opening Hours : Monday to Friday - 8am to 5pm
  Phone : (210) 323-7846

Elizabeth Raggio, JD.

Director of Compliance

Elizabeth joined the ETC Companies in August of 2016 and has spent an inordinate amount of time analyzing and education clients on the political aspects of ACA as well as other Health & Wellness issues. As the ETC Director of Compliance, Elizabeth provides practical guidance and assistance to ETC clients regarding compliance and all employee benefit-related matters including of PPACA, ERISA, IRC, COBRA, FMLA, HIPAA, and other laws and regulations impacting the administration of employer-sponsored group health plans. Currently, Elizabeth’s primary focus is related to handling responses to IRS 226J and 972CG penalty letters resulting in substantial savings for Applicable Large Employers (ALEs). Prior to joining ETC, Elizabeth served as the Compliance Officer for the Employee Benefits practice of Frost Insurance, where she led the employee benefits compliance practice and provided support to the producers and account managers across six statewide offices. Elizabeth also worked as a Senior Legislative Analyst for Xerox Corporation and coordinated the implementation of various projects emanating from the Affordable Care Act and other complex legislative changes. Elizabeth’s wealth of experience also includes advising the Texas Medicaid Healthcare Partnership on legislative and regulatory matters and serving as an Associate Attorney with Garlo Ward, P.C., where she practiced before federal and state agencies, including the U.S. Department of Health and Human Services and the Texas Health and Human Services Commission, and advised health care providers in complying with HIPAA, Medicare, and Medicaid requirements. Elizabeth is licensed to practice law in Texas, received a Juris Doctor (J.D.) Degree from The University of Mississippi School of Law and a bachelor’s degree (B.B.A.) in Economics and Marketing from The University of Mississippi.

Kelly Gunaji

Kelly Gunaji joined the ETC team in 2019 bringing ten plus years of legal and administrative experience to the Compliance Team as a paralegal.

Kendra Stegemann

Kendra has used her 25+ years of experience in management of IT departments to grow and evolve the ETC platforms. Her expertise as a Database Administrator has been paramount in taking ETC’s proprietary system to new levels.

Jeff McMillan

Jeff joined SJ&C Printing, a company within ETC, as the Director of Operations in July 2019. He started his career in sales working for Toshiba as a sales representative and sales manager.

Rhonny Rowden

Rhonny joined ETC in 2014 as our marketing and bookkeeping lead. She has evolved into our Director of Accounting running 5 companies Accounting software. She is instrumental in the development of efficient, organized, and accurate systems to make the process seamless for our clients.