Employee Benefits — S125 Plan
Unlock payroll tax savings with zero upfront cost.
A preventive healthcare plan that saves employers on payroll taxes — while enhancing employee benefits and boosting take-home pay.
A benefit that pays for itself.
A Section 125 cafeteria plan lets employees pay for qualified benefits — health premiums, for example — with pre-tax dollars. That lowers their taxable income, so they keep more pay, while you reduce the employer payroll taxes on that same compensation.
We handle the setup and administration so it's turnkey for your team. Most employers find the payroll-tax savings more than offset the cost of running the plan.
Immediate Savings
Every payroll cycle without this plan is money left on the table. Save an average of $681 annually per qualified employee — $26.19 per bi-weekly payroll cycle.
The Cost of Waiting
Each payroll cycle without this plan means missing out on tens or even hundreds of thousands in savings annually. Act now to reclaim your profits.
Employee Win
More take-home pay through pre-tax contributions.
Employer Win
Lower FICA and payroll taxes on covered compensation.
Capabilities tailored to this core pillar.
Every offering below is structured around real business outcomes.
Premium-Only Plans (POP)
The core S125 plan — health premiums paid pre-tax.
Pre-Tax Savings
Employees keep more of every paycheck through tax-advantaged contributions.
Payroll Tax Reduction
Lower employer FICA on the wages covered by the plan.
Plan Documents & Compliance
We prepare the plan documents and keep everything compliant.
Enrollment Support
Guidance for your team through each enrollment window.
Ongoing Administration
Year-round administration, reporting, and support.
Preventive Healthcare Program
- 1
Consultation
We review your current benefits and payroll.
- 2
Plan Design
We design the right S125 structure for you.
- 3
Setup
Documents, compliance, and enrollment rollout.
- 4
Administer
Ongoing support and realized savings.
Frequently asked questions.
Let's see what your business could save.
Share a few details and an Advisor will walk you through your Section 125 options — then pick a time that works for you.