Employee Benefits & Payroll Tax Strategy
Lower payroll taxes. Better benefits.
No change to take-home pay.
We help companies with 10 or more W-2 employees cut their FICA tax liability through a fully compliant Section 125 program — while giving their people meaningful benefits and no change to take-home pay.
- $0
- Cost to implement
- EN / ES
- Bilingual service
Example — 50 employees
Estimated annual payroll tax savings
Roughly $4,953 a month in estimated gross employer payroll tax savings.
Estimate for illustration. Assumes 50 eligible participating W-2 employees. Actual results vary by participation, wages, and state.
Plans from the carriers you already know
We work with major national and regional carriers, including UnitedHealthcare, Blue Cross Blue Shield, Cigna, Humana, Ambetter, Oscar, and many others.
We're an independent agency, so we shop across carriers rather than push one product. Availability, networks, benefits, and pricing vary by state and by eligibility. Carrier names are shown for identification only and do not imply endorsement.
The gap nobody talks about
The biggest companies in America have run these for decades.
A Section 125 cafeteria plan isn't new, and it isn't exotic. It's standard equipment at the scale of a Walmart, an Amazon, or a Tesla — companies with benefits departments whose entire job is finding this kind of efficiency.
What they have that you don't is a benefits department.
Not a loophole. Not a special rule for large employers. The same section of the tax code is available to a 25-person HVAC company in Houston — it just never gets brought to them, because there's little commission in explaining it and real work in setting it up properly.
So a structure that quietly lowers payroll tax at the top of the market stays invisible to everyone below it. That gap is the entire reason this agency exists.
Who actually gets offered benefits
Almost every large employer offers health benefits. Only about half of the smallest employers do — and cost is the reason they most often give.
Source: KFF 2025 Employer Health Benefits Survey
How the savings work
Four steps, one payroll cycle
No filing, no reimbursement claim, no waiting until year end. It's a smaller tax liability on the payroll you're already running.
Employees elect
Pre-tax benefits through a Section 125 cafeteria plan.
Taxable payroll drops
The pre-tax election lowers your taxable wage base.
Employer FICA falls
FICA is 7.65% of taxable wages. Smaller base, smaller bill.
You keep the difference
Estimated gross savings, about $1,189 per participating employee per year.
What we do
Two kinds of clients. One licensed broker.
Most of our work is helping employers turn a payroll line item into cash flow. We also place health, dental, vision, and supplemental coverage for individuals and families in all 50 states.
Cut FICA taxes without cutting anything else
A Section 125 cafeteria plan paired with a self-insured medical expense reimbursement plan. Your taxable payroll drops, so your employer FICA liability drops with it. Employees gain a real benefits package and their net paycheck stays exactly the same.
- Requires 10+ W-2 employees at 30+ hours per week
- Employee take-home pay is designed to stay the same
- Savings appear on your next payroll run
- Stacks on top of group health — it doesn't replace it
Coverage that fits your income, not the other way around
Income-based ACA plans where many households qualify for premiums as low as $0 per month, plus the dental, vision, and cash-benefit policies that cover what major medical leaves behind.
- Income-based health plans — many qualify at $0/month
- Dental and vision
- Accident and hospital indemnity — cash paid to you
- Full service in English and Spanish
What makes us different
We show you the whole picture, before you decide.
The figures on this site are your estimated gross employer payroll tax savings — what the qualifying pre-tax wage reduction takes off your FICA bill.
Gross isn't the whole story, and we don't pretend otherwise. Your customized analysis is built from your actual employee census and payroll, and it lays every number out side by side — so you evaluate the complete picture before you commit to anything.
Most brokers hand you a headline figure and let you discover the rest in month three. We'd rather walk you through all of it in week one.
Estimated gross annual savings
Roughly $1,189 per participating employee per year, estimated gross and before program fees or other costs.
Individual & family coverage
The rest of what we place
Health Insurance
Income-based ACA plans. Many individuals and families qualify for $0 monthly premiums depending on income and household size.
Dental & Vision
Standalone plans that cover cleanings, exams, major work, frames, and lenses — with no-waiting-period options.
Accident Coverage
Pays cash benefits directly to you for covered accidents, on or off the job, 24/7 — not to a hospital.
Hospital Indemnity
A lump sum on admission plus a daily benefit while you're confined. Use it for deductibles, rent, or lost income.
One agent, every line of coverage
Health, dental, vision, accident, hospital, group, and the employer payroll tax program — placed and serviced by the same licensed person, in English or Spanish. One relationship instead of four.
Why work with us
A licensed broker, not a call center
You deal with one person
Every call, quote, enrollment, and renewal goes through Felipe Casares — NPN 20658935, licensed in all 50 states. No transfers, no rotating reps, no lead resale.
Every inquiry answered within one business hour
Not a marketing promise. If you submit a form during business hours and don't hear back within the hour, call the number in the header and say so.
Full service in English and Spanish
Quotes, enrollment, claims questions, and renewals — in whichever language you'd rather handle your family's or your company's coverage.
We tell you when something isn't a fit
Under 10 employees, mostly part-time staff, or a group plan that already beats what we'd write? We'll say so. There's more long-term value in being right than in being sold to.
Next step
See your number in about fifteen seconds.
Move one slider and the calculator shows your gross savings, the program fee, and your real net — no email required to see the figure.