Exclusively for Mid-Market Enterprises with High-Volume, W-2 Workforces (50–500+ Employees)
We implement specialized IRS Section 125 structures that permanently recapture roughly $500 per W-2 employee in FICA payroll taxes. Fund your benefits, upgrade your compensation package, and increase employee net pay without touching your operating budget.
Request a Free FICA Savings AuditZero Upfront Capital Required. The implementation is entirely funded through the immediate FICA tax recapture.
Traditional brokers just sell you expensive renewals. We fix your balance sheet.
Right now, rising wages and a brutal labor market are compressing your operational margins. You are likely bleeding cash through inefficient pre-tax payroll structures.
The CHAMP plan isn't just a health product; it is a legal, tax-efficient framework. By optimizing your payroll deduction codes, we give your W-2 workforce an estimated $1,500/year net-pay increase and zero-copay telemedicine on day one, while simultaneously dropping your corporate FICA tax liability.
You get the ultimate retention tool. The IRS foots the bill.
We don’t guess; we audit. When you hand over your census, our back office maps the exact financial impact.
When analyzing number charts, we always list every single qualifying set. We do not filter the results or show only the 'best' match to artificially inflate your proposed savings. It is extremely imperative that we provide your executive team and your CPA with the exact, correct number of qualifying sets.
Because IRS Section 125 compliance dictates strict eligibility requirements based on consistent W-2 compensation cycles, we audit your census ruthlessly. We ensure every single included employee meets the exact legal standard so your math is bulletproof down to the penny.
Absolute transparency is our baseline.
You have enough on your plate. We built our integration process so your HR team lifts zero fingers.
You provide your raw payroll census. Within 48 hours, our back-office underwriting team analyzes the data to calculate your exact FICA recapture and builds the multi-carrier offset model.
We map the new deduction codes directly to your current payroll provider (ADP, Paylocity, Paychex, etc.).
We handle 100% of the employee education and 1-on-1 enrollment. We can seamlessly integrate this framework alongside your current broker to drop the tax recapture directly to your bottom line as liquid cash, or our back-office can use those funds to deploy a completely upgraded, enterprise-grade benefits suite.
This isn't a loophole. This is a federally established IRS Section 125 preventative health structure. Our implementations are backed by top-tier ERISA attorney opinion letters and operate strictly within Department of Labor guidelines.
Request a Free FICA Savings AuditZero Upfront Capital Required. The implementation is entirely funded through the immediate FICA tax recapture.