Reinventing
Employee Benefits
& Reducing Cost
A fully IRS-compliant wellness plan that increases employee take-home pay and lowers employer payroll taxes, at the same time. No net cost.
How it Works
5 simple steps to better benefits. Our streamlined process gets your workforce enrolled and saving within weeks, with zero disruption to your existing payroll or health insurance.
1. Submit Your Payroll Census
Share your employee roster including W-2 status. We’ll analyze exactly who qualifies and build your custom savings projection.
2. Review Your Eligibility Report
We provide a detailed report showing each employee’s individual tax savings and your total employer FICA reduction
3. Approve the Final Proposal
Review and sign the Client Master Agreement and §125 Cafeteria Plan documents. No surprises, just the numbers you already reviewed.
4. Payroll Implementation
Our team works directly with your payroll department to configure pre-tax deductions and post-tax reimbursements seamlessly.
5. Employee Onboarding
We host a live presentation for your team, on-site or virtual, and handle enrollment on the spot. Employees activate immediately.
Immediate FICA Tax Reduction
Pre-tax §125 salary reductions lower the payroll tax base, reducing your 7.65% FICA match on every enrolled employee starting day one.
Zero Disruption to Payroll
We handle all payroll configuration. Compatible with all major platforms. Minimal HR involvement required.
Full ERISA & ACA Compliance
Always paired with an ACA-compliant plan. BEN-X provides audit protection, SPD preparation, DOL defense, and complete plan documentation.
Attract & Retain Top Talent
Offering benefits that visibly increase take-home pay gives you a recruiting edge that salary bumps alone can’t match.
For Employers
A Benefit That
Pays for Itself
Every enrolled employee reduces your FICA liability. The plan costs you $41/month per employee. You save $111.69. That’s a net gain, every single month
Built on Solid Ground
COMPLIANCE & LEGAL FOUNDATION
Wellness Pro plan is a thoroughly researched benefits structure grounded in decades-old provisions of the Internal Revenue Code, validated by IRS Chief Counsel guidance, and designed to survive audit scrutiny at every level.
The Section 125 Cafeteria Plan
Under the Wellness Pro structure, each enrolled employee makes a pre-tax salary reduction election through the §125 Cafeteria Plan before the start of the plan year. This election reduces their gross wages for purposes of federal income tax, state income tax, and FICA- producing immediate, measurable savings on every paycheck.
Medical Expense Reimbursement
IRC §105(b) authorizes employers to reimburse employees for medical expenses — as defined under §213(d) — on a tax-free basis, provided those reimbursements are made through a qualifying employer-sponsored plan.
Qualifying Medical Care
Every benefit included in the Wellness Pro program, virtual primary care, urgent care, mental health therapy, preventative wellness services, is specifically designed to qualify under §213(d).
Employee Retirement Income Security Act
Every Wellness Pro plan includes comprehensive ERISA compliance management through our legal partner, professionals with 30+ years of ERISA experience.
Affordable Care Act Pairing
If your company already maintains ACA-compliant group health coverage, you simply keep it. Nothing changes. The Wellness Pro SIMERP layers on top as a compliant supplement. If your company does not currently have qualifying health coverage, we will provide an ACA-compliant plan as part of the enrollment package.
See what Wellness Pro means
for your business.
Request a receive a free eligibility report showing which employees qualify and how much your
business stands to save. No commitment required.