Interactive estimate
Estimate your FICA savings from the EHP preventative care plan.
Drag the sliders to see what your business and your employees would gain in real-time tax savings. Estimates use the IRS's standard 7.65% employer FICA rate.
Estimated annual employer FICA savings
$50,123
$4,177 / month gross
Per employee monthly take-home pay increase
$125
Across 78 enrolled employees
Estimated annual family healthcare savings
$2,100
Per enrolled employee, including family use
Total annual workforce economic benefit
$280,800
Take-home increase + healthcare savings, all enrolled employees
How we calculated this. Employer FICA savings use the standard 7.65% federal rate on the assumed pre-tax preventative care contribution per enrolled employee. Enrollment uses an industry-typical participation rate (currently 78% for the selected industry). Take-home pay increase reflects the Section 105(b) post-tax reimbursement net of the original pre-tax election; states with no income tax show a slightly smaller employee-side benefit. Annual family healthcare savings estimate avoided copays and coinsurance on a typical family of 2–4. These are estimates - exact numbers require a payroll census review.
What the calculator assumes.
- Pre-tax SIMERP contribution of ~$700/month per enrolled employee (typical).
- Employer FICA rate of 7.65% (federal, no state variation).
- Industry-typical participation rate (65%–82% depending on industry).
- $40/employee/month admin fee, paid out of the FICA savings.
- States with no income tax show a modestly smaller employee take-home increase.
What the calculator doesn't include.
- Reductions to your group health plan claim costs (10–20% typical) and the downstream effect on stop-loss premiums and renewal pricing.
- Retention savings from reduced employee turnover.
- Any state-specific tax incentives layered on top.
The calculator is intentionally conservative. Real numbers run through a payroll census are typically higher than these estimates.
Want exact numbers?
The savings calculator gives you a directional figure. For exact numbers, submit a redacted payroll census on a discovery call - EHP runs the math on your specific workforce and returns a proposal with your real numbers.
Next
Get exact numbers on a discovery call.
A payroll census takes 30 minutes to redact and run; we give you back a proposal with your real, not estimated, savings figure.