Hidden savings, already in your payroll.
Most employers are overpaying payroll taxes they are not required to pay. A free evaluation shows exactly how much your company can recover — with no changes to employee benefits.
Free savings estimate
Your savings depend on your headcount, payroll structure, and participation rate. We build your Recovery Ledger from your actual employee census — so you see real numbers, not a range.
Get Your Recovery Ledger- Your actual payroll tax recovery potential
- Employee take-home pay impact by salary band
- Three-year compounding value projection
- Side-by-side comparison with your current renewal
No cost. No commitment. No obligation. Your numbers stay private.
Better for your employees too
The same structure that lowers your payroll tax bill lowers your employees' taxes as well. Their gross pay does not change, and their existing group health plan stays exactly where it is. What changes is their taxable wages — so more of every paycheck stays with them.
Results vary by state, salary, and plan structure. Your free evaluation walks your own payroll line by line.
Three layers of value, stacked
FICA reduction is immediate. Care redirection compounds over time. Together they create a return that grows with your headcount.
FICA savings
Immediate, starting with your first payroll after launch. IRS Publication 15 states that medical care reimbursements under an employer's self-insured medical reimbursement plan are not wages and are not subject to social security, Medicare, and FUTA taxes.
Redirection of care
Half of group insurance claims come from pharmacy and routine care. When employees have zero-cost virtual care, those small claims stop hitting your primary plan, and your claims history improves.
Renewal savings
Better claims history compounds: lower renewal rates on your primary plan, year after year. Staring at this year's renewal? Put the increase next to the recovery and see how much of it this offsets.
Find out what your company can recover.
Start with a free evaluation — no cost, no commitment, no obligation. Our team reviews your actual payroll and shows you the hidden savings waiting inside it.