Most employers don't know they can legally redirect payroll tax dollars into employee wellness benefits — at zero net cost. We show you exactly how much you're leaving on the table.
Under IRS Section 125, pre-tax wellness benefit deductions reduce your taxable payroll — which directly reduces the 7.65% FICA tax you pay on every dollar.
| Employees | Program Cost | Gross FICA Savings | Net Annual Savings |
|---|---|---|---|
| 25 employees | $12,000 | $27,525 | $15,525 |
| 50 employees | $24,000 | $55,050 | $31,050 |
| 100 employees | $48,000 | $110,100 | $62,100 |
| 200 employees | $96,000 | $220,200 | $124,200 |
| 500 employees | $240,000 | $550,500 | $310,500 |
No IT work. No disruption. We handle everything.
We review your headcount and calculate your exact savings.
We draft your Section 125 plan and handle all IRS compliance.
We configure your payroll integration and enroll employees.
FICA savings appear on your very next payroll cycle.
The program fee is $40/employee/month. But the FICA savings it generates are larger — meaning you come out ahead from day one.
$35,000/yr employee — take-home pay stays identical.
| Without | With Program | |
|---|---|---|
| Monthly Gross Pay | $2,916.67 | $2,916.67 |
| Pre-Tax Deduction | $0 | -$1,200.00 |
| Federal Withholding | -$193.17 | -$56.25 |
| Social Security | -$180.83 | -$106.43 |
| Medicare | -$42.29 | -$24.89 |
| Post-Tax Reimbursement | $0 | +$1,200.00 |
| Final Net Pay | $2,387.85 | $2,387.85 |
The savings fund a comprehensive wellness package your employees will actually love — at no cost to them and no cost to you.
Unlimited virtual visits for the whole family. Urgent care, women's health, mental health — no copay.
$0 medications at 70,000+ pharmacies. Saves employees $1,250–$3,400/year.
Counseling, depression screenings, behavioral health support, and Employee Assistance Program.
PPO dental and vision plan included at no additional cost to employees or employers.
A debit card for prescriptions, glasses, first aid, OTC meds — usable at CVS, Walgreens, Walmart.
Nurse-led coaching, 100+ biomarker blood tests, AI biometric scanning, and health tracking.
Total actuarial value: $14,400 per employee/year — layered on top of your existing benefits with zero disruption.
This isn't a loophole. It's established tax law used by employers since 1978.
Pre-tax deductions under the Cafeteria Plan framework. Fully documented and tested annually.
Meets all Affordable Care Act requirements for minimum essential coverage.
Tell us about your company and we'll send you a detailed FICA savings analysis within 24 hours.
We'll review your info and get back to you within 24 hours with a custom savings estimate.
Book a free 15-minute call. We'll calculate your exact savings number using your real payroll data.
Get My Savings Estimate