Payroll Tax Efficiency
How Employers Save Up to $1,000
Per Participating Employee Per Year—at No Net Cost
Preventive Healthcare & Wellness Programs
Help employees live healthier and smarter. Employers create the environment.
The Employer & Employee Wish List
The questions your CFO, legal team and employees want answered.
- A structure designed around IRS requirements.
Separate pre-tax Services and after-tax Reward premiums. - Meaningful benefits that work.
Preventive healthcare and wellness resources employees can use. - Applicable IRS Code addressed.
A documented tax framework for your advisers to evaluate. - Increased employer profit.
Net payroll tax savings after program administration fees. - Increased employee take-home pay.
Participating employees never take a pay cut. - A nationally recognized law firm’s opinion.
Addressing the structure and tax-free treatment of Reward payments. - Up to $500,000 in IRS audit defense
Through your company’s chosen law firm.Because sometimes they’re just curious.
See how it works in 2½ minutes100-employee example
The complete story in one book
The Magic of
Payroll Tax Efficiency
For executives, CFOs, HR professionals and legal advisers.
Preview the Book →Savings and participation depend on employee eligibility, wages, enrollment and applicable fees. Legal opinions are subject to their stated facts and qualifications. Audit defense is legal-expense protection, subject to the defense agreement’s eligibility, limits and terms; it does not guarantee an IRS outcome or payment of assessed taxes.
A better outcome for both sides of the paycheck
Healthier Employees. Stronger Employer Economics.
Payroll tax reduction is about enrolling employees in a preventive health and wellness plan designed to educate and assist them in living healthier, longer lives. It does not replace any of your existing benefits.
Employer savings
Qualifying pre-tax benefit contributions reduce taxable payroll. Your company’s analysis shows the estimated employer savings after administration fees, employee by employee.
Employee benefits
Participants gain access to supplemental healthcare and wellness services, with take-home pay reviewed as part of enrollment and payroll administration.
A dual-premium structure
The pre-tax Services Component and after-tax Reward Component serve separate purposes. The program’s documents and legal opinion explain their treatment.
Practical care and everyday support
Benefits Employees Can Put to Use
Supplemental resources designed to make care more accessible and preventive habits easier to maintain.
Virtual Primary Care
Convenient access to primary-care resources and support.
Virtual Urgent Care
Healthcare access for everyday concerns that need timely attention.
Virtual Mental Healthcare
Access to mental-health services and support.
Lab Discounts
Discounted lab resources to support appropriate testing.
Prescription Discounts
Resources to help reduce eligible prescription costs.
Wellness Education & Coaching
Resources and guidance for nutrition, movement and healthier habits.
Built for an informed decision
Give Your Advisers the Documents Behind the Numbers.
Your CFO, HR team and legal counsel should be able to review the economics, plan structure, employee impact and defense protection before your company decides.
Request the Review MaterialsWhat your company can review
- A payroll-based estimate of employer net savings.
- Employee paycheck illustrations and participation requirements.
- Plan documents and the program’s legal opinion.
- The audit-defense agreement, counsel-selection provisions and coverage limits.
- Enrollment, payroll integration and administration requirements.
PTE Group Inc. is an insurance broker. We coordinate the program review and help your team obtain the information needed to evaluate it.
What Could Payroll Tax Efficiency Mean for Your Company?
Start with your workforce, your payroll and your questions.
Program benefits and availability are governed by the applicable plan documents. Employer and employee eligibility, coverage integration and tax treatment should be reviewed with your company’s tax, legal, payroll and benefits advisers. PTE Group Inc. provides brokerage and educational services and does not provide legal or tax advice.