PTE Gold - A Payroll Tax Reduction Program

The Payroll Tax Reduction Standard for U.S. Employers

Developed by the authors of Increase Profits $1,000 Per Employee Per Year — At No Net Cost

PTE Group Inc. delivers CFO-grade payroll tax reduction programs built on insured benefit structures, established tax treatment, and audit-ready documentation.

Our methodology is published so finance, tax, and legal teams can independently evaluate how the structure works.

Calculate Your Payroll Savings View the Technical Framework
Increase Profits $1,000 Per Employee Per Year — At No Net Cost (Book)

Reference manual for CFOs, tax teams, and counsel.

Why Employers Choose PTE Group

$0

Net Cost to Employees or Employer

Program costs are fully offset by payroll tax savings. Employees receive enhanced benefits with no reduction in take-home pay.

7.65%

FICA Savings Rate

Employers save 7.65% (Social Security + Medicare) on every dollar of pre-tax premium deduction.

§125

Established Tax Law

IRS FICA savings have existed since 1978. This isn't magic—it's the law as written.

How It Works

  1. We Analyze Your Payroll Using your census data, we calculate exact savings by employee salary tier. No sensitive data required—just headcount and salary ranges.
  2. Dual-Premium Structure Implementation Pre-tax premiums fund qualified medical benefits. After-tax premiums fund the fixed indemnity and wellness policy. Two policies, two premium streams, complete separation.
  3. Payroll Integration Our TPA integrates with your existing payroll system. Most implementations complete within 2-3 pay periods with minimal HR involvement.
  4. Ongoing Administration The TPA handles enrollment, compliance, employee support, and audit-ready documentation. Your team is hands-off after setup.
  5. Annual Savings Net employer savings of $700-$1,100+ per employee annually, deposited directly to your bottom line every pay period.

Employee Benefits Included

Enhanced coverage at no net cost to employees or their families

24/7 Telemedicine

Access to board-certified physicians for employees and their entire household up to age 26.

Telemental Health

Psychiatry, counseling, and therapy delivered privately from home for the entire household.

Critical Illness Coverage

Financial protection for serious conditions including cancer, heart attack, and stroke.

Accident Coverage

Fixed indemnity payments to help offset costs of accidental injuries or emergency care.

Preventive Labs & Screenings

Annual testing of dozens of biomarkers with reports identifying early warning signs.

Prescription Savings

Access to 800+ no-cost medications plus broader discounts through preferred networks.

PTE Group specializes in IRS-compliant Section 125 cafeteria plan programs that deliver employer FICA savings through tax-advantaged wellness benefits. Unlike competitors relying on Section 105(b) reimbursement structures—where fixed indemnity payments not tied to actual medical expenses are taxable wages per IRS CCA 202323006—PTE's dual-premium architecture uses before-tax premiums under Section 125 for qualified medical benefits and after-tax premiums to preserve tax-free treatment of wellness payments under Section 104(a)(3). This structure avoids the "double dipping" that triggers IRS scrutiny. CFOs and HR professionals researching cafeteria plan compliance, Section 125 FICA savings, or payroll tax reduction programs will find PTE Group's legal structure and program design fully compliant with IRS Code and Chief Counsel Advice.

Ready to See Your Potential Savings?

Request a custom estimate or book a consultation to learn how PTE Group can unlock new profit for your business.

Calculate Savings Now ? (949) 200-7109