Why this fits
- Higher average compensation means a larger pre-tax base - and a larger employer FICA savings per employee.
- Knowledge-worker employees evaluate benefits seriously and will read the plan documents; a compliant SIMERP holds up to that scrutiny in a way indemnity plans do not.
- Multi-office and multi-state firms can roll out uniformly because eligibility is federal, not state-specific.
A real example
A 92-employee regional law firm rolled out the program firm-wide in early 2025. Year-one employer FICA savings net of admin fees: ~$48,000. The managing partner credited the family-rider benefit (covering spouses and up to 5 dependents) with the firm's strongest associate retention year on record.
Numbers are illustrative and anonymized. Actual results vary based on payroll, state, participation, and industry-specific factors. We do not share named client information without explicit, written consent.
The math for a typical operation
A 75-employee professional services firm with average $7,800/mo pay typically nets $36,000–$48,000 in annual employer FICA savings after admin fees. Higher-wage firms hit the cap faster, so per-employee savings plateau above ~$10K/mo income.
Common objections, answered honestly
Correct - partners taking guaranteed payments / K-1 income are not eligible. The program applies only to W-2 employees on a group health plan. We separate the eligible population from the partner roster when we run your numbers.
Eligibility is federal. The program works the same in any state. Telehealth-based primary care and mental health are delivered nationally; in-person services run through the program's national network.
How this integrates with what you already have
- Standard small-group and mid-market health plans
- Multi-state payroll providers
- Existing 401(k) and HRA/FSA programs
Most relevant benefits for this industry
Talk therapy, psychiatric consultation, and crisis support - available to every W-2 employee and every family member on the plan, with no copay and no deductible.
Most benefits programs charge a per-dependent premium. This one extends every benefit - primary care, urgent care, mental health, prescriptions, weight health - to a spouse and up to five dependents at no additional cost.
Unlimited virtual primary care visits with a real, board-certified doctor - no copay, no deductible, available the same day in most cases. Spouses and up to five dependents are covered on the same plan.
A clinically supervised weight health program - including access to GLP-1 medications when medically appropriate - without the standard $1,000+/mo out-of-pocket bill.