Fully insured,  A+ carrier,  DOI-filed, ERISA-reviewed.  Runs alongside Section 125,  delivered through payroll at scale 

What this does:
▪︎  Lowers payroll-tax burden (avg. ~$700 per employee annually)
▪︎  Increases employee take-home pay (typically ~4%)
▪︎  Adds employee value without changing current benefits
▪︎  Requires no out-of-pocket cost or operational changes
▪︎  Integrates with major payroll systems (ADP, Paycom, Paylocity, Paycor, Paychex) 

What it’s not:
▪︎  Not a tax-credit gimmick
▪︎  Not a plan you must switch to
▪︎  Not a headache for your HR team

How it works:
▪︎ Payroll-run, auto-enrolled, opt-out available
▪︎ Runs alongside your Section 125 and current benefits (no replacement)
▪︎ Minimal HR lift with implementation and ongoing support

Used by national brands and Fortune 100 employers in hospitality, food service, and staffing (e.g., McDonald’s, Marriott, IHG).

Sample outcome:
▪︎ Headcount: 1,100 employees  
▪︎ Employer savings: ~$770,000/year  
▪︎ Employee impact: ~4% higher average take-home pay
▪︎ Implementation: Payroll-run, auto-enrolled, minimal HR lift

FAQ:
Q1: Is this the same as a self-funded scheme the IRS flagged?
A1: No. This program is fully insured, filed with state DOIs, and reviewed by a top ERISA/tax law firm. It runs alongside your existing Section 125.

Q2: Will HR be buried in admin?
A2: No. It’s payroll-run and auto-enrolled with an opt-out, plus ongoing support. Most HR teams report minimal lift.

Q3: How do employees benefit?
A3: Employees typically see ~4% higher take-home pay while adding to existing benefits.

Q4: Cost and ROI.
A4: There’s no out-of-pocket cost for the employer or employees. Any program costs are funded by the payroll-tax savings generated each payroll run. Employers see reduced FICA liability, and participating employees see higher take-home pay. On average, employers retain ~$700 per employee per year in payroll-tax savings. 

Q5: What’s the next step?
A5: A 10-minute fit check. If it looks right, we’ll schedule a 20-minute deeper review with our EVP.

Why You’re Hearing From Me

I contact companies when headcount suggests a meaningful opportunity to cut payroll taxes and increase employee value, with no out-of-pocket cost, no changes, and minimal HR lift through payroll.

Fully insured (A+ carrier), DOI-filed, ERISA-reviewed.

If you want a quick read on impact, book a 10-minute fit check; if it looks right, we’ll schedule a 20-minute review with our EVP.

Book a 10-Minute Call

Quick fit check. No pressure, just clarity.

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