Tax Savings
Cost-Neutral Programs Through Strategic Tax Optimization
Our programs leverage IRS-compliant tax structures to generate savings that fund comprehensive benefits, often resulting in net-positive ROI for employers.
FICA Savings Per Employee
FICA Tax Rate Eliminated
Net Cost to Employer
Workers Comp Reduction
How Tax Savings Work
Our programs use well-established IRS code sections to convert taxable compensation into tax-free benefits.
Total 360 PHP (Section 125)
Our PHP program leverages Section 125 pre-tax salary reduction to deliver comprehensive benefits while generating significant tax savings: $650 per employee annually, totaling $32,500 for a 50-employee company.
- • Reduces gross taxable wages
- • Reduces employer FICA (7.65%)
- • No changes to employees paycheck
- • IRS-compliant Section 125 structure
Section 105 Medical Plan
Self-insured medical reimbursement plan covers preventive services tax-free under employer-sponsored health benefits.
- • Preventive care coverage
- • Health assessments
- • Telemedicine services
- • Mental health support
Section 213(d) Services
Qualified medical expenses under IRS code that can be paid with pre-tax dollars.
- • Diagnostic services
- • Preventive screenings
- • Disease management
- • Behavioral health
Detailed Savings Breakdown
| Savings Category | Per Employee | 100 Employees | Source |
|---|---|---|---|
| Employer FICA Savings | ~$1,000 | ~$100,000 | Section 125 |
| Workers Comp Reduction | Varies | 18-27% of premium | Reduced claims |
| Reduced Absenteeism | 2-4 days saved | $50,000-$100,000 | Productivity |
| Lower Turnover | Improved retention | $25,000-$75,000 | Reduced recruiting |
| TOTAL ESTIMATED VALUE | $2,500-$4,000+ | $250,000-$400,000+ | Combined savings |
* Actual savings vary based on employee demographics, wages, and program participation rates.
Compliance Assurance
Our tax savings strategies are fully compliant with IRS regulations and have been reviewed by tax attorneys to ensure audit-readiness.
- ✓IRC Sections 105, 125, 213(d) compliant
- ✓ERISA integration maintained
- ✓ACA safe harbor requirements met
- ✓Attorney-reviewed compliance structure
- ✓Audit-ready documentation provided
Legal Foundation
Our programs are built on decades of established IRS code and case law:
- •Section 125 established 1978
- •Section 105 established 1954
- •Thousands of employers using similar structures
- •Consistent IRS guidance and PLRs
Calculate Your Tax Savings
Get a custom analysis showing your specific FICA savings and total program ROI based on your employee demographics.
Request Savings Analysis