If you have 50+ W2 employees, you may qualify for an IRS-approved plan that reduces your payroll taxes and adds employee wellness benefits — at no net cost to your business.
Every payroll cycle, you pay 7.65% FICA on each W2 employee's wages. A Section 125 Wellness Cafeteria Plan allows employees to receive pre-tax wellness benefits — which reduces the wages subject to FICA.
The result: lower employer FICA liability, lower workers comp premiums in most states, and a real benefit your employees can use.
This isn't a loophole. It's been in the IRS code for decades. Most employers just don't know it exists.
You share basic payroll info. We calculate your potential FICA and workers comp savings.
Participating employees gain access to wellness benefits — telehealth, Rx discounts, mental health support — at no cost to them.
Lower FICA taxes, reduced workers comp premiums, better employee retention — with no net cost to implement.
“We're saving over $10,000 per month on payroll taxes. I wish I had known about this years ago. It's completely changed our bottom line.”
“We've seen significant reductions in both FICA taxes and workers compensation premiums. The implementation was seamless and the savings were immediate.”
“As CFO, compliance was my top concern. After reviewing the legal and tax opinion letters, I was confident this plan is fully IRS-compliant. The savings have been substantial.”
Legal opinion confirming full IRS compliance of the Section 125 plan structure.
Tax opinion letter verifying the Section 125 structure and employer tax benefit eligibility.
One of the nation's top accounting firms, independently verified plan compliance.
Takes 60 seconds. No obligation. A benefits specialist will reach out within 1 business day.
Yes. Section 125 has been part of the IRS tax code since 1978. Our plan has been independently reviewed by Hitesman Law, KCP Tax Advisory Group, and CBIZ Advisors — three separate legal and tax authorities.
There is no net cost to the employer. The savings from reduced FICA and workers comp premiums typically exceed any administrative fees.
Employees gain access to wellness benefits including telehealth, prescription discounts, mental health counseling, and preventive care — at no cost to them.
Most employers are fully enrolled within 2–4 weeks of signing.
No. The Wellness 125 plan works alongside your existing group health coverage. There are no changes required to your current benefits.