Real Employee Benefits. Zero Cost to the Employer.
Help your business clients give employees meaningful supplemental benefits — fully funded through pre-tax payroll restructuring at absolutely no out-of-pocket cost to the employer. You earn $2–$8 per enrolled employee, every month.
Offer Valuable Employee Benefits, At No Cost to the Employer
Through a Section 125 Cafeteria Plan structure, employees redirect a portion of their gross wages to pay for supplemental insurance premiums on a pre-tax basis. This simple IRS-approved mechanism reduces both the employee's taxable income and the employer's FICA payroll tax liability — at absolutely no out-of-pocket cost to the business.
Employees Enroll
Full-time W-2 employees can participate in the program on a payroll pre-tax basis (1099 staff excluded).
Taxable Wages Decrease
Each participating employee's taxable gross wages are reduced by the amount of their premium contribution — typically around $1,200 per year.
Employer FICA Taxes Drop
Because taxable payroll is lower, the employer's 7.65% FICA match obligation decreases automatically — no policy changes, no compliance headaches.
Employees Get More Take-Home Pay
Employees pay fewer taxes too, increasing their net paycheck — making this one of the most popular voluntary benefits available.
Fully Compliant: This program is administered under IRS Code Section 125 and is fully compliant with ERISA and HIPAA regulations. Employers of all sizes — from 5 to 5,000 employees — can participate. Eligible participants must be W-2 employees of the sponsoring employer. Independent contractors classified as 1099 workers are not eligible for participation under this plan.
See How Much Your Clients Save on Payroll Taxes
Enter the number of W-2 employees expected to participate in the program. Note: 1099 independent contractors are not eligible. The calculator uses IRS-standard FICA rates to estimate your client's annual payroll tax savings.
Monthly Savings
$382.50
Annual Savings
$4,590
Per-Employee Annual
$91.80
Estimates based on average annual premium redirect of $1,200 per participating employee at the 7.65% employer FICA rate. Actual savings vary based on participation and wages. This is not tax advice.
Calculate Your Monthly & Annual Partner Revenue
As a referral partner, you earn a monthly residual for every employee enrolled through your clients. Use the sliders to model your revenue potential.
W-2 employees only — 1099 contractors do not qualify
Your Monthly Revenue
$500
Your Annual Revenue
$6,000
Ideal for High-Participation Industries
Any employer with W-2 employees paying FICA taxes can benefit — but these industries see the highest participation rates and fastest ROI:
Restaurants & Food Service
High hourly staff, strong participation
Retail & Consumer Goods
Seasonal and part-time employee friendly
Manufacturing & Distribution
Large workforces, maximum savings
Hospitality & Hotels
Tip-based workers benefit significantly
Automotive Services
Mechanics, dealerships, service centers
Nonprofits & Associations
Stretch limited payroll budgets further
Healthcare & Medical Practices
Staff benefits without added cost
Professional Services
Accounting, legal, consulting firms
Technology Companies
Competitive benefits at no extra spend
Logistics & Transportation
Drivers and warehouse workers qualify
Low-Turnover Service Businesses
Steady employee base opportunities
Construction & Trades
Field crews and subcontractors
Real Partners. Real Revenue. Real Results.
I've been referring clients to benefit programs for 15 years — this is the cleanest, most employer-friendly structure I've ever seen. My clients love that it costs them nothing, and my residual checks just keep growing.
Michael R.
Employee Benefits Broker, Southeast Region
My accounting clients were skeptical at first, but once they saw the payroll tax savings on paper, they were sold. Three clients enrolled in the first month. The calculator alone closed the deal.
Sandra T.
CPA & Financial Advisor
As an HR consultant, I'm always looking for ways to add value without adding cost. This program practically sells itself. The onboarding was smooth and the partner support is outstanding.
James K.
HR Strategy Consultant
You Don't Have to Be a Benefits Expert to Earn
As a referral partner, your job is simple: identify businesses in your network that have W-2 employees and make an introduction. From there, our program specialists handle everything — education, enrollment, compliance, and onboarding. You earn residual income for every employee enrolled, month after month.
Low-Friction Path: Make the Introduction
Easiest Way to Start Earning
- Identify a business owner or HR contact in your network
- Share a link to this page or forward our one-pager
- Make a quick intro email or phone call connecting them to our team
- We do the rest — you earn residual income from day one of enrollment
Deeper Involvement: Partner to Close
Maximize Your Revenue Potential
- Attend client meetings and present the program alongside our specialists
- Help address employer objections around cost, compliance, and implementation
- Refer other referral partner candidates to grow your network and earn additional residual income
- Earn at the higher end of the $2–$8 per employee range
💡 Most partners start with introductions and naturally move into deeper involvement as they see the results. There's no pressure — you choose your level of participation.
Ready to Start Earning? Let's Talk.
Fill out the form below and a program specialist will reach out within 1 business day to walk you through partner onboarding.
Thank You!
A program specialist will contact you within 1 business day.
Why Partner With Us?
- Recurring monthly residual income — earn for the life of each client
- No upfront cost or risk for your clients
- Full onboarding and sales support provided
- IRS-compliant, ERISA/HIPAA-aligned structure
- Works alongside existing benefits — no disruption
- Dedicated partner dashboard and reporting
- Fast client onboarding — typically 2–4 weeks
Prefer to talk first?
Compliance & Legal Disclosures
This program is structured under Internal Revenue Code Section 125 and operates as a Cafeteria Plan, allowing employees to pay for qualified benefits on a pre-tax basis. The plan is subject to the Employee Retirement Income Security Act (ERISA) and is designed to meet applicable ERISA disclosure and reporting requirements.
Coverage is provided through licensed insurance carriers and administered in compliance with the Health Insurance Portability and Accountability Act (HIPAA). Employer eligibility and employee participation are subject to plan document terms and applicable state regulations.
Tax Disclaimer: Payroll tax savings estimates are illustrative only and based on standard IRS FICA rates. Actual savings will vary based on employee participation rates, wage levels, and applicable state or local tax obligations. This material does not constitute tax, legal, or accounting advice. Employers should consult with a qualified tax professional before implementing any benefit program.