Claim $1,097 Per EmployeeWith No Cost To You
Every payroll run, your business is leaving money on the table. IRS Section 125 lets you keep up to $1,097 per W2 employee - at zero cost and zero disruption.
How It Works In 4 Steps
No complex overhaul. No disruption. Works alongside your existing payroll system.
Fill out the short form below. We confirm your eligibility and calculate your specific savings based on your headcount and payroll structure.
The plan administration team manages the full implementation - plan documents, employee enrollment, and payroll system integration. You do very little.
Employees opt in to the pre-tax benefit. Their take-home pay increases while your FICA liability decreases - automatically.
Your business starts retaining payroll taxes you were previously overpaying - on every single payroll cycle from day one.
Why Smart Employers Enroll and Never Look Back
- No cost to the employer - The program is self-funded through the tax savings it generates
- Works with any payroll provider - ADP, Paychex, Gusto, QuickBooks - all compatible
- Employees benefit too - Their take-home pay increases at no additional cost to you
- IRS compliant since 1978 - Section 125 is proven, court-tested federal law
- No impact on existing benefits - Workers' comp, unemployment, and 401k are unaffected
- Fully managed - Plan administration, compliance, and ongoing management are handled for you
Built For Employers Who Want More
Every feature designed to put money back in your business without adding complexity.
The maximum annual employer FICA savings per W-2 worker - based on IRS Section 125 contribution limits.
At $91.42 in FICA savings vs $40 admin fee, the program generates $51.42 in net savings per employee per month - it pays for itself.
Most workers see a net increase of ~$100/month in take-home pay. The tax savings exceed the $195/month plan cost on every paycheck.
Fully compatible with ADP, Paychex, Gusto, QuickBooks, Rippling, and all major processors. No system changes required.
Our team handles all documentation, enrollment materials, and payroll integration. Fast, friction-free, and fully managed.
FICA savings are captured on every payroll run - weekly, bi-weekly, or semi-monthly. Savings accumulate automatically.
9 High-Value Benefits. $0 Copay On Most.
Supplements your existing major medical with a comprehensive package employees actually use - at no additional cost to you.
100% of doctor visits covered in the MultiPlan PHCS network. No copay, no deductible.
100% of urgent care visits covered in-network. No surprise bills, no deductible.
Virtual access to medical professionals around the clock. Covers employee plus entire family.
Adult and women's preventive services covered as required by the Affordable Care Act.
Over 250 prescriptions covered - most at $0 copay - across 60,000+ member pharmacies.
Dark web monitoring, real-time fraud alerts, anti-virus software, and full identity restoration service.
Wholesale rates on 2.5M+ hotels, 18,000+ cruise itineraries, flights, and cars. No blackout dates.
24/7 access to licensed vet professionals in all 50 states. No waiting rooms, no copay.
70% of employees are more likely to stay when satisfied with benefits. This package costs you nothing extra.
See What Your Company Could Save
Every payroll run, IRS Section 125 permanently reduces the FICA taxes you owe. Enter your details below.
Disclaimer: This calculator provides a general estimate only and is intended for illustrative purposes. Actual savings vary based on participation rates, compensation levels, benefit election amounts, and plan-specific factors.
Employer FICA savings based on 7.65% employer share applied to qualifying pre-tax benefit elections under IRS Section 125. Participation rate estimated at 70% of total W-2 employees. Consult your tax advisor or CPA.
Built For Every Business With W2 Employees
As long as you have W2 employees with access to qualifying major medical, you almost certainly qualify.
Restaurants, hotels, catering, bars, coffee shops, event venues, resorts
Medical practices, dental, home health, urgent care, physical therapy
General contractors, electrical, plumbing, HVAC, roofing, landscaping
Grocery stores, auto dealers, department stores, pharmacies, hardware
Law firms, accounting, insurance, consulting, marketing, real estate
Trucking, warehousing, courier, moving companies, distribution centers
Software companies, MSPs, IT services, SaaS, cybersecurity, app developers
Private schools, daycare centers, trade schools, tutoring, after-school
Food processing, metal fab, packaging, textiles, auto manufacturing
Hair salons, spas, gyms, cleaning services, security companies, barbershops
Charities, foundations, religious organizations, food banks, shelters
If you have W2 employees with qualifying medical, you almost certainly qualify regardless of industry.
Businesses Already Saving
We have 38 employees and were skeptical at first. The setup was completely painless. Employees love it because their paychecks went up. We ask ourselves why we waited so long.
As a restaurant group with 200 staff, this was a no-brainer the moment we saw the numbers. The team handled everything. Our HR signed a few forms. Now we save $218,000 annually on autopilot.
My accountant told me about Section 125 but never helped us implement it. Beeliance got us up and running in three weeks. The savings went straight to our bottom line.
Results shown reflect individual outcomes and are not guaranteed. Actual savings vary based on workforce size, participation rate, compensation levels, and benefit elections. See calculator for estimates.
Frequently Asked Questions
Stop Leaving Money on the Table. Every Payroll Costs You.
Submit below and we will confirm your eligibility and send your exact savings estimate within 1 business day. No obligation. No cost. Just your number.
Free eligibility review. No obligation.