A fully insured, IRS-compliant benefits plan that boosts cash flow and provides employees with valuable insured benefits.
Fully Compliant | Proven Results | Trusted Nationwide
We run a payroll analysis to uncover hidden FICA savings — typically $700–$1,000 per employee, per year.
Employees are enrolled online, gaining valuable benefits with no negative impact on their net take-home pay.
Employers reduce payroll taxes (fully IRS-compliant), while employees receive additional benefits with no reduction in their net take-home pay.
Eligible wages are reallocated pre-tax to fund insured wellness and fixed indemnity benefits. This lowers employer FICA on those wages, typically producing $700–$1,000 per employee per year in savings (results vary by payroll mix and participation).
Yes. The structure is fully compliant with IRS Code and regulations and is supported by official IRS memorandums and Chief Counsel Advice (CCA). The plan is implemented and administered by a licensed TPA with complete documentation and audit-ready records.
This is a cafeteria plan arrangement under Internal Revenue Code Section 125, using insured wellness and fixed indemnity benefits. The compliance framework aligns with IRS regulations and is supported by relevant IRS memorandums and Chief Counsel Advice (CCA).
No. This supplements your current benefits. There is no change to your major medical plan or existing insurance arrangements.
Minimal HR involvement for setup — no HR time required after the first payroll. The TPA handles onboarding, compliance, employee education, and ongoing administration. The plan integrates with major payroll systems.
Employees are enrolled digitally with clear notices. Opt-out is available before the start date and for 30 days after launch, and again at open enrollment or a qualifying life event. There is no negative impact on employees’ net take-home pay.
No. There are no out-of-pocket costs to the employer or employees. Program costs are covered by payroll tax savings.
Employers across restaurants, retail, logistics, healthcare, auto, distribution, and non-profits. Results scale with eligible headcount and wage distribution.
As with any tax-advantaged benefit, there is potential IRS scrutiny. The key risks are improper administration or lack of documentation. These risks are minimized through:
With these safeguards, compliance risk is minimized to near zero while preserving the full financial upside.
Request a custom estimate or book a 5-minute walkthrough to learn how PTE Group can unlock new profit for your business with no disruption to your current benefits.
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