Employee Health Plan Solutions

Is Your Company Leaving $500–$1,000 Per Employee on the Table?

Most employers with 50+ employees overpay on benefits — at zero extra cost to their business. Our free review shows you exactly where the money is going, and how to stop it.

Get Your Free Savings Review
Zero cost. No commitment. 15 minutes.
Zero cost to you
Results in 7 days
IRS-compliant structures
Savings Illustration
100-Employee Company
Annual FICA exposure $112,000
Typical savings found $56K–$112K/yr
Employee benefits improved Yes — at no new cost
Cost to employer $0
Implementation time 4–8 weeks
Based on $1,120/employee average FICA savings. Built on IRS §§ 105, 106, 125, 213(d). Actual savings vary by payroll structure.
$15B+
in ACA penalties assessed by the IRS — enforcement has been growing every year since 2015
$3,340
per employee in 2026 §4980H(a) ACA penalties — up $440 from 2025 alone
$0
cost to you — our fee comes entirely from savings we identify. If we find nothing, you owe nothing
How It Works

Three steps from conversation
to realized savings

No long contracts, no upfront fees, no disruption to your current benefits structure. We show you the money first — then you decide.

1
Free Benefits Review

We analyze your current employee count, payroll structure, and existing benefits setup. You'll see exactly what savings are available — in writing — before committing to anything.

⏱ 15-minute call
2
Custom Financial Model

Within 7 days, we deliver a line-by-line financial model with your exact FICA savings, workers' comp reductions, and per-employee benefit improvements. Real numbers. Your company. Your payroll.

⏱ Delivered in 7 days
3
White-Glove Implementation

We coordinate directly with your CPA, payroll provider, and TPA. Actuarial certification is included. Most clients are live in 4–8 weeks with an IRS-ready documentation vault maintained annually.

⏱ Live in 4–8 weeks
Common Objections

We hear these every day.
Here's the honest answer.

Every HR director and CFO we talk to asks at least one of these. Good questions — all of them.

Q
"We're already compliant. We have a benefits broker."
Good — and that's actually the most common situation we walk into. Your broker handles reporting and plan selection. We focus on the optimization side: the $500–$1,000/employee that even fully compliant companies leave on the table every year. We work alongside your broker, not against them. We're not replacing anything — we're adding savings.
Q
"We don't have budget for more consulting fees."
There's no cost to you — zero. Our fee is built into the savings we recover using IRS Sections 105, 106, and 125. These are the same legal structures the government built health savings accounts on. If we don't find savings, you pay nothing. The review call is always free, no strings attached.
Q
"This isn't a priority right now / bad timing."
When's your open enrollment? Our review takes about 2 weeks total. Starting now means your recommendations are ready before your next enrollment cycle — zero disruption to what's already in place. Also worth noting: the IRS is currently issuing assessments for the 2022–2023 tax years. A 15-minute call now can prevent a much longer conversation later.
Q
"Sounds too good to be true."
Fair reaction. Here's why it works: these structures are built directly on IRS §§ 105, 106, 125, and 213(d) — the same federal codes underpinning FSAs and HRAs. Plans are certified by members of the American Academy of Actuaries using HHS federal standards. You get a full digital compliance vault. This has been in use since 2001, and is employed by 600+ employers across healthcare, manufacturing, logistics, and retail.
The Numbers
This is a growing enforcement market — and a growing savings opportunity
$5,010
per employee — 2026 §4980H(b) penalty rate for companies offering non-qualifying coverage
85%
of CFOs are personally involved in benefits decisions — and cost control is a top-5 priority
$1.4M+
in potential exposure for a 500-employee company with ACA non-compliance issues
Free Savings Review

See your exact numbers
in 7 days

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