Your Payroll May Be Hiding Thousands in Tax Savings.

If you have 10 or more W-2 employees, you may be overpaying payroll taxes every single year. This program lowers your FICA costs and gives your employees more benefits, without cutting a single benefit you already offer.

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How the Program Works ↓
A Question Worth Asking

As a Business Owner, How Much Do You Love Paying Taxes?

Every payroll cycle, you match your employees' FICA contributions. It's automatic, it's invisible, and most owners never think to question it.

Here's what most business owners don't realize: a properly structured, tax advantaged employee well-being program can legally reduce that payroll tax burden while giving your employees benefits they will actually use.

The program works through pre-tax payroll deductions under an established section of the tax code. Employee enrollment lowers taxable payroll, which lowers what you pay in employer FICA contributions.

Your employees come out ahead too. They gain access to a full suite of wellness benefits, and the tax savings created in their paycheck can fund life insurance protection without decreasing their take-home pay.

Nothing about your existing benefits changes. The program does not replace or interfere with any coverage already in place. It sits alongside what you have.

Lower taxes for you. More benefits for them. That's why owners call it a win-win.

Plain English

How the Program Works, Without the Jargon

1

Employees Enroll Pre-Tax

Participating employees enroll in the well-being program through a pre-tax payroll deduction. Because the deduction happens before taxes, their taxable income goes down while their take-home pay stays the same or higher.

2

Payroll Taxes Go Down

Lower taxable payroll means lower employer FICA contributions. Savings are commonly in the range of $500 or more per enrolled employee, per year, money that goes straight back to your bottom line.

3

Employees Gain Real Benefits

Employees get wellness services for themselves and their families, plus tax savings in their paycheck, typically $150 to $200 per month, that can fund life insurance protection without reducing what they bring home.

Savings figures are typical ranges based on program enrollment data and vary by company size, payroll, and participation. Your actual savings will be calculated in a customized report before you commit to anything.

Benefits

What Your Business Gains. What Your Employees Gain.

  • Payroll tax savings: Reduce employer FICA contributions every payroll cycle
  • No net cost: Program fees are offset by the tax savings the program creates
  • Stronger retention: Better benefits mean employees have one more reason to stay
  • Recruiting edge: A richer benefits package helps you compete for good people
  • No disruption: Keeps every benefit you currently offer exactly as it is
  • Telemedicine with $0 copay: 24/7 access to doctors for employees and their families
  • Counseling at no cost: Six sessions per family member per year for stress, grief, marriage, and more
  • Wellness programs: Chronic care management, addiction recovery support, nutrition, diet, and exercise programs
  • Life insurance funding: Employees can use their paycheck tax savings to purchase coverage without lowering take-home pay
  • Legal and financial services: Attorney consultations, financial planning, wills, and trusts

This Program Is Worth Exploring If You…

  • Have 10 or more W-2 employees on consistent payroll
  • Run a profitable company and want to reduce expenses without cutting anything
  • Want to improve retention and morale in a tight labor market
  • Operate in construction, healthcare, service businesses, or professional firms (though the program works across many industries)
  • Have never had your payroll tax exposure professionally reviewed

This Might Not Be the Right Fit If…

  • Your workforce is mostly 1099 contractors rather than W-2 employees
  • You have fewer than 10 employees on payroll
  • Your payroll is highly irregular or seasonal with long gaps

Not sure whether you qualify? That's exactly what the review is for. Five quick questions tell us whether the numbers work for your company, and the review costs you nothing.

Interested in building your own financial reserves outside the business? See Indexed Universal Life →

The Process

From First Conversation to Go-Live, Step by Step

1

Quick Five-Question Intake

We collect the basics: number of employees, payroll size, and current benefits. It takes minutes, not meetings.

2

Your Custom Savings Report

Program specialists run your payroll data and produce a proposal showing your projected FICA savings in real numbers, so you can see exactly what the program is worth to your company.

3

Enrollment and Payroll Setup

If you move forward, the implementation team handles plan documents, employee enrollment, and payroll code setup, working directly with your payroll provider or specialist.

4

Mock Payroll, Then Go Live

Before anything goes live, a mock payroll run confirms every number is right. Then the program launches and the savings begin.

FAQ

Common Questions About the Program

Is this legitimate? How can it save taxes for both the company and employees?
The program is built on established provisions of the federal tax code that allow qualified benefits to be paid through pre-tax payroll deductions, supported by formal plan documents prepared during implementation. Pre-tax deductions lower taxable payroll, which is what creates the FICA savings for the employer and the paycheck tax savings for the employee. Your CPA is welcome to review the plan documents, and we encourage it.
Does this replace our current health insurance or benefits?
No. The program does not change or replace any benefits already in place. It adds wellness benefits alongside your existing coverage.
What does it cost my employees?
The program is structured so that a participating employee's take-home pay stays the same or higher. The pre-tax deduction creates tax savings in the paycheck, and those savings fund the program and, optionally, life insurance coverage.
What does it cost my business?
Program fees are paid out of the payroll tax savings the program generates, which is why owners describe it as a no-net-cost benefit. Your customized savings report will show the full math for your company before you sign anything.
Is participation mandatory for employees?
No. Enrollment is voluntary. Employees who see the value of the benefits and the paycheck math typically choose to participate, and your savings scale with participation.
How long does implementation take?
Most companies go from agreement to live payroll within a matter of weeks. The timeline includes the savings proposal, plan documents, employee enrollment, payroll code setup, and a mock payroll run to verify everything before launch.
Will this create extra work for my payroll or HR team?
Very little. The implementation team coordinates directly with your payroll provider, sets up the deduction codes, and runs a mock payroll to confirm accuracy. After launch, the program runs through your normal payroll process.

Every Payroll Cycle You Wait Is Money You Don't Get Back.

Five questions. One custom savings report. Zero obligation. Find out what your company could be saving before your next quarter closes.

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No commitment. No obligation. Just your company's real numbers and a clear explanation of how the program works.

This program involves tax and payroll considerations that vary by business. Savings estimates are illustrative and depend on company size, payroll, and employee participation. Nothing on this page is tax or legal advice. Consult your CPA or tax professional regarding your specific situation. Life insurance products offered in connection with the program are subject to underwriting and state availability.