How the FICA Advantage Program Works

A proven, compliance-driven benefit structure that re-allocates part of existing compensation—not new money—to tax-advantaged, ACA-compliant benefits. The result? Significant FICA savings for employers and enhanced wellness coverage for employees.

The Program Structure

IRS-Approved Tax Sections

Built on sections §105, §125, and §213(d) from the Affordable Care Act. These are permanent, established tax code provisions—not temporary credits or loopholes.

Strategic Compensation Reallocation

We restructure a portion of W-2 wages into pre-tax benefit contributions. This reduces the FICA-taxable base while maintaining total employee compensation.

Real Wellness Benefits

Employees receive tangible benefits including virtual care, mental health support, prescription assistance, and preventive wellness programs.

The critical difference: This isn't about reducing employee pay. It's about optimizing how compensation is structured for maximum tax efficiency.

The Savings Breakdown

Example: Company with 50 Employees

Average salary per employee: $50,000

Typical FICA savings per employee: $1,200/year

Total employees: 50

Total Annual Savings: $60,000

$5,000

Saved per month

$300,000

Over 5 years

See Your Potential Savings

Every business is different. Get a custom savings analysis based on your actual payroll data.

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