Your Section 125 savings estimate
See exactly what your business saves on payroll taxes
A Section 125 plan cuts your payroll taxes $650–$850 per employee, every year — while your team takes home 4–6% more — at $0 out-of-pocket cost to either of you.
- IRS-recognized since 1978
- Fully insured, A+ rated carrier
- Every employee auto-enrolled
- Savings hit your very next payroll
Estimate it in 10 seconds
No email required — just enter your numbers.
…back in your account every payroll, at $0 cost to you.
Get my exact, itemized estimate →Trusted by leading QSR franchise operators nationwide
Where the number comes from
Your employees fund a fixed-indemnity health benefit pre-tax under Section 125. That lowers their taxable wages — so you owe less FICA, FUTA & SUTA on every check, and they take home more. It lays on top of whatever plan you already offer; nothing about your current benefits changes.
A 200-employee franchise
$130,000/year
200 employees × $650 saved each
$5,000/payroll
back every two weeks — 26 times a year
“This sounds too good to be true.”
It isn’t a loophole — it’s the same part of the IRS tax code (Section 125) that’s powered FSAs and HSAs for decades. Here’s why it holds up:
In the code since 1978
Section 125 is established IRS law — the same basis as FSAs and HSAs.
Fully insured
Underwritten by an A+ rated carrier — not self-funded or DIY.
DOI-regulated
A licensed insurance product, available in every state.
$0 and automatic
No out-of-pocket cost, and every employee is auto-enrolled.
See the full compliance details — carrier, state availability & IRS basis →
Get your exact, itemized estimate
The calculator gives you the ballpark. Enter your details and we’ll send your precise, itemized savings number — broken down by plan and pay period — plus a no-pressure 15-minute walkthrough of how setup works.
- Itemized by plan and pay period
- No cost, no obligation
- Setup in about 30 days
- Keeps your current benefits exactly as they are
Prefer to talk first? Email hello@taxbenefitstrategies.com.
Stop overpaying payroll taxes
Every payroll you run without a Section 125 plan is money left on the table. Setup takes about 30 days and costs you nothing.
Get started →