Serving Employers Nationwide (Remote Implementation)
Reduce employer payroll taxes by $1,000–$1,500 per W-2 employee annually through an IRS-aligned Section 125 benefit structure. No new costs. No disruption to existing benefits.
The FICA Payroll Tax Savings Program is a compliant, benefits-based strategy that helps employers reduce their Federal Insurance Contributions Act (FICA) tax liability while enhancing employee wellness benefits. This is not a temporary tax credit or loophole—it's a sustainable payroll tax reduction method built on established IRS guidelines under Section 125 of the Internal Revenue Code.
Unlike the Employee Retention Credit (ERC), which was a one-time pandemic-related tax credit that has ended, the FICA Payroll Tax Savings Program provides ongoing, year-over-year savings. Employers typically save between $1,000 and $1,500 per W-2 employee annually, depending on payroll structure and plan design.
The program works by restructuring a portion of existing employee compensation into tax-advantaged wellness benefits. This reallocation—not additional cost—reduces the taxable payroll base, lowering both employer and employee FICA contributions while providing employees with valuable health and wellness benefits at no net cost to their take-home pay.
Average savings per employee/year
Fully compliant structure
Begin saving within 1-2 payroll cycles
Enhanced wellness coverage included
A straightforward, compliance-first process designed for HR, payroll, and CFO review.
We review your employee count, payroll structure, and existing benefits to confirm eligibility. Most employers with 10+ W-2 employees on recurring payroll qualify.
Using your actual payroll data, we calculate your estimated annual FICA savings. This gives you a clear picture of the financial impact before committing.
Our specialists design an IRS- and ACA-compliant Section 125 plan tailored to your organization. This includes benefit selection, documentation, and compliance review.
We coordinate with your payroll provider (ADP, Paychex, Gusto, QuickBooks, etc.) to implement the benefit structure. Setup typically takes about 15 minutes of your time.
Your FICA savings start with the next payroll cycle, and employees gain access to enhanced wellness benefits. Ongoing support ensures continued compliance.
Common questions about reducing payroll taxes through Section 125 benefits.
This is not tax advice. Final eligibility and program design are confirmed through the appropriate licensed professionals. We recommend consulting with your tax advisor and legal counsel. Results may vary based on your specific payroll structure and plan design.
Get a free, no-obligation savings analysis based on your actual payroll data. See exactly how much your company could save.