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How do you enforce HSA Maximum Election Value during passive enrollment?

We are implementing HSA seeding for select employees during our upcoming open enrollment period. As a result of this seeding, the maximum HSA contribution amount available to those employees will be reduced.

We have identified an issue affecting employees who meet all three of the following criteria:

1. Do not complete an active enrollment

2. Have elected the maximum HSA contribution for the current plan year

3. Are eligible for HSA seeding in the upcoming plan year

In these cases, the employee's current HSA election may exceed the new plan year maximum, but because no active enrollment is made, the higher amount rolls over unchecked.

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