Based in Dallas–Fort Worth, Serving Nationwide
Save an average of $1,200 per employee per year through our compliance-driven FICA Advantage Program. Most companies see meaningful savings starting the very next payroll cycle.
Reduce your payroll tax liability while enhancing employee benefits—with no out-of-pocket costs.
Average annual savings of $1,200 per enrolled W-2 employee through reduced FICA liability.
Built on IRS Sections 105, 106, 125, and 213(d)—backed by tax attorneys and compliance specialists.
Keep your current major medical insurance—this program supplements it, not replaces it.
No cost to employer or employees—funded entirely through payroll tax reductions.
Simple 10-15 minute setup with your payroll provider—no disruption to operations.
Enhanced wellness benefits help attract and retain top talent in competitive markets.
Why businesses across all industries choose the FICA Advantage Program.
Reduce your FICA burden while staying 100% compliant with IRS regulations.
Enhanced wellness benefits help you attract and keep top talent in competitive job markets.
Provide valuable health and wellness benefits that improve employee well-being and productivity.
Level the playing field by offering enterprise-level benefits typically available only to large corporations.
Successfully implemented in restaurants, medical practices, construction, logistics, retail, non-profits, and more—any business with W-2 employees can benefit.
See your potential annual savings instantly—based on your W-2 employee count.
Estimated Annual Savings
Based on $1,200 average per employee
This calculator provides an estimate based on typical savings. Your actual savings may vary based on payroll structure, employee wages, and other factors. Schedule a consultation for a precise calculation based on your specific business.
Employees receive a fully bundled wellness package that includes comprehensive virtual care and prescription coverage.
Access to urgent care physicians 24/7 via video or phone consultation.
12 visits per year per member for routine healthcare needs.
12 visits per year per member with licensed mental health professionals.
1,000+ common medications at no cost to employees.
MEC plan, hospital bill eraser & group whole life policy available if tax savings allow.
When employees save money and gain meaningful benefits, retention increases significantly.
In most cases, employees see a slight increase in their net take-home pay due to leftover tax savings.
From payroll analysis to census review to onboarding townhalls, our team handles the entire process.
We review your payroll to calculate potential savings.
Confirm employee eligibility and benefit structure.
We conduct townhalls and provide all communication materials.
Provide basic payroll reports, review eligibility, and support internal communication.
Every plan design has been thoroughly vetted by legal, actuarial, and compliance teams to ensure full regulatory adherence.
Built on the foundation of IRS-approved cafeteria plan regulations for pre-tax benefit contributions.
Minimum Essential Coverage frameworks that meet Affordable Care Act requirements.
Department of Labor and Employee Retirement Income Security Act benefit requirements met.
Full HIPAA compliance ensuring all employee health information remains confidential and protected.
Most employers begin realizing savings within the first or second payroll after onboarding.
Get answers to the most common questions about our FICA Advantage Program.
Our process is simple, fully compliant, and designed to deliver real savings to your business as quickly as possible. Here's exactly what happens from the moment we connect to the moment your company realizes savings on the very next payroll cycle.
Meet with an IronGate account executive to review eligibility, payroll structure, and projected savings for your business.
Your team gathers and submits the requested payroll reports so we can run your employee eligibility analysis.
We present a clear breakdown of your estimated annual savings, employee eligibility count, and recommended benefit design.
Once approved, you receive a standard service agreement outlining compliance, implementation timelines, and responsibilities.
We provide all necessary benefit carrier forms and compliance documents. Your team signs electronically — quick and simple.
Your business submits additional employee information required for plan setup and compliance validation.
We host a 30-minute virtual Town Hall for your employees to explain the new benefit, answer questions, and provide enrollment support.
A quick overview explaining the IRS-approved strategy behind employer savings.
This 3-minute video breaks down the entire process from start to finish
Fill out the quick form and our team will contact you within 24 hours to discuss your potential savings and answer any questions.
Schedule a 15-Minute Discovery Call