Claim $1,097 Per Employee With No Cost To You
The Section 125 Employer Tax Advantage Program is an IRS-codified payroll tax reduction strategy that has been federal law since 1978. Most employers qualify and never implement it.
How Section 125 Reduces
Your Payroll Tax Liability
Under IRS Section 125, employees elect a qualifying pre-tax benefit. That election reduces their taxable wages - which in turn reduces the FICA taxes your company owes as the employer.
- Net take-home pay increases - FICA and income tax savings combined with the plan benefit credit exceed the employee contribution cost.
- Workers compensation, unemployment, and 401k matching are not negatively impacted by enrollment.
- Savings are captured on every payroll run - weekly, bi-weekly, or monthly - not as a single annual event.
- The program is cash-flow positive from day one - the $40/month admin fee is fully offset by $91.42/month in FICA savings per enrolled employee.
Employee nets an additional +$53 per paycheck (+$115/month) after the plan deduction, tax savings, and benefit credit. Employer saves $91.42/month in FICA per enrolled employee.
Four Steps From Application
to Active Savings
Minimal HR involvement required. Our team manages the technical and administrative work.
Complete the eligibility form below. We confirm your qualification status and prepare a precise savings projection based on your headcount and payroll structure.
Our team prepares all Section 125 plan documents, compliance materials, and payroll coordination. You review and sign. No technical work required from your HR team.
Employees are presented with the voluntary enrollment option. Their net pay increases. Historically 70%+ choose to participate because their paycheck improves.
FICA tax reduction is captured on every payroll run from day one. No ongoing action required. Savings accumulate automatically each cycle.
Why Leading Employers
Choose This Program
- Self-funding from day one - The $40/month admin fee per employee is fully offset by $91.42/month in FICA savings. Net cost to the employer is negative.
- Compatible with all major payroll systems - ADP, Paychex, Gusto, QuickBooks, Rippling, Paylocity. No migrations or system changes.
- Employee compensation improves - Most employees see a net increase of $100+ per month in take-home pay. No salary negotiation required.
- IRS-compliant since 1978 - Section 125 is proven federal law used by Fortune 500 companies and independently owned businesses alike.
- No impact on existing benefits - Workers compensation, unemployment insurance, and 401k matching are unaffected.
- Fully administered - Plan documents, compliance filings, enrollment coordination, and ongoing management are handled for you.
Every Benefit of Enrollment
Designed to reduce tax exposure without adding operational complexity.
Maximum annual FICA savings per W-2 worker based on IRS Section 125 contribution limits at the 7.65% employer share.
$91.42 in monthly FICA savings minus $40 admin fee equals $51.42 per employee per month in net savings. The program pays for itself immediately.
Most employees net an additional $100+ per month in take-home pay. Improves satisfaction and retention without salary increases.
Fully compatible with all major payroll processors. Implementation requires no system migrations or technical changes to your current infrastructure.
Full setup completed within 2-4 weeks. HR team involvement is limited to reviewing plan documents and communicating enrollment to staff.
FICA tax reduction is captured automatically on every payroll run. Savings compound over time with no ongoing administrative burden.
9 Benefits Employees Receive
at Zero Cost to Your Business
This is not a discount card. Enrolled employees receive a comprehensive supplemental health package through the largest independent provider network in the United States.
100% of in-network primary care visits covered. No deductible, no copay.
100% of urgent care visits covered in-network. No surprise billing.
Round-the-clock virtual access to licensed medical professionals. Covers employee and family.
ACA-required preventive services fully covered. Adult and women's services included.
250+ prescriptions covered at near-zero cost across 60,000+ member pharmacies.
Dark web monitoring, fraud alerts, anti-virus, and full identity restoration services.
Wholesale access to 2.5M+ hotels, 18,000+ cruises, flights, and car rentals.
24/7 licensed vet access in all 50 states. No copay, no waiting rooms.
70% of employees report higher retention likelihood when satisfied with benefits. This package adds zero cost to the employer.
Calculate Your Company's
Annual Tax Reduction
Enter your workforce details below to generate a preliminary savings estimate.
Projection disclaimer: Figures are estimates for illustrative purposes only. Actual savings vary based on employee participation rates, compensation levels, and benefit election amounts. Employer FICA savings calculated at 7.65% on qualifying pre-tax elections. Participation estimated at 70% of W-2 workforce. Consult your tax advisor or CPA.
This Program Serves
Every Industry
Eligibility requires only two conditions: W2 employees and qualifying group major medical coverage.
Restaurants, hotels, catering, bars, event venues, resorts
Medical practices, dental, home health, urgent care, therapy
General contractors, electrical, plumbing, HVAC, roofing
Grocery, auto dealers, department stores, pharmacies, hardware
Law firms, accounting, insurance, consulting, real estate
Trucking, warehousing, courier, moving, distribution
Software, MSPs, IT services, SaaS, cybersecurity
Private schools, daycare, trade schools, tutoring
Food processing, metal fab, packaging, auto manufacturing
Salons, spas, gyms, cleaning, security, barbershops
Charities, foundations, religious organizations, shelters
If you have W2 employees with group medical coverage, you almost certainly qualify.
Outcomes From Enrolled Employers
We have 38 employees and were skeptical at first. The setup required very little from our HR team. Employees appreciated the paycheck improvement. We question why we did not implement this sooner.
As a restaurant group with 200 staff, the economics were immediately clear. Implementation was handled entirely by the program team. Our HR director signed documents and communicated enrollment options to staff. That was the extent of our involvement.
Our CPA had mentioned Section 125 for years but never helped us execute it. This program handled the entire implementation in under three weeks. Savings were reflected in the following payroll cycle and have continued every run since.
Results reflect individual employer outcomes and are not guaranteed. Actual savings vary based on workforce size, participation rate, compensation levels, and benefit election amounts.
Questions Employers Ask
Before Enrolling
Claim Your $1,097
Per Employee Now
Submit your information and we will confirm your eligibility and prepare a precise savings projection. No obligation. No cost.
2 minutes
we run your numbers
you sign off
next payroll
15 minutes - no obligation - we confirm eligibility on the call
Book Your Free Discovery Call
No application fee. No obligation. We will confirm eligibility and provide your savings projection within one business day.