Employee Benefits & Payroll Tax Strategy
Lower payroll taxes. Better benefits.
Zero out-of-pocket cost.
IndependentLicensed in all 50 statesBilingualNo fee to you
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.
- 50
- States licensed
- $0
- Cost to implement
- NPN 20658935
- Licensed agent
- EN / ES
- Bilingual service
Example — 50 employees
Your net annual savings
Roughly $2,666 back every month — for no out-of-pocket cost.
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, Ambetter, Blue Cross Blue Shield, Humana, 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.
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
Net of fees, about $640 per employee per year.
What we do
Two kinds of clients. One licensed agent.
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
- No out-of-pocket cost to the company
- 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 net, not just the headline.
Every broker selling this program quotes the gross number — about $1,120 per employee per year. That figure is real, but it isn't what you keep.
There's a program administration fee of $40 per participating employee per month. After it, the employer nets roughly $640 per employee per year. We put that on the homepage, in the calculator, and in the proposal — before you ask.
You'll find out about that fee eventually. We'd rather you hear it from us in minute one than from your CPA in month three.
Per employee, per year
Multiply by your headcount. A 100-employee company nets about $64,000 a year for nothing out of pocket.
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 agent, 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.