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●  SECTION 125 PAYROLL TAX SAVINGS  ·  $0 Cost to Employer  ·  Approved All 50 States  ·  CALL JIM: (619) 361-1825
Section 125 Payroll Tax Savings Plan

Your Employees Get a Pay Raise.
You Get a Tax Cut.
It Costs You Nothing.

A fully insured, IRS-approved payroll tax savings plan that reduces FICA taxes for employers and puts more money in employees' pockets — without changing your current health plan or spending a single dollar out of pocket.

✓ $0 Out-of-Pocket to Employer ✓ Fully Insured ✓ All 50 States ✓ IRS-Compliant
📅 Book a Free Call with Jim 📞 (619) 361-1825

💵 Employer Savings Calculator

Enter your number of W-2 employees to see your estimated annual payroll tax savings.

Estimated Annual Employer Savings
Enter employees above

Estimates based on $650–$850 per employee per year. Actual savings vary by payroll structure. A free analysis is available — no commitment required.

See It in Action

We Made a Short Video About This

Because sometimes the best way to explain a tax strategy is to make it funny. Watch this quick clip — then call Jim.

How It Works

Simple. Legal. Already Written Into the Tax Code.

The Section 125 Payroll Tax Savings Plan works by restructuring a portion of employee compensation as a pre-tax benefit — reducing the taxable payroll base for both the employer and the employee simultaneously.

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Step 1 — Free Analysis

Jim reviews your payroll data at no cost. You'll see exactly how much your company qualifies to save before making any decision or commitment.

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Step 2 — Fast Enrollment

Enrollment is simple and handled for you. The onboarding process typically takes 4–8 weeks depending on company size. No disruption to your operations.

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Step 3 — Savings Begin

Starting the first day of the following month, your company begins saving on FICA taxes — and your employees start receiving their new benefits package.

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No Changes Required

This plan works alongside any existing health insurance you already offer. Nothing changes for HR, nothing changes for employees' current coverage.

Who Benefits

Everybody Wins — That's the Point

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For the Employer

  • Save $650–$850 per W-2 employee per year in FICA taxes (Social Security & Medicare)
  • Reduce workers' compensation insurance costs by up to 10% in many states
  • Save on state unemployment tax payments in approximately 20 states
  • Reduce the cost of your existing health insurance plan
  • Improve employee retention and reduce absenteeism
  • Increase business valuation — lower payroll tax basis improves your bottom line
  • Zero out-of-pocket cost — the program pays for itself through tax savings
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For the Employee

  • Take-home pay increases — employees see approximately $96/month more in their paycheck
  • Receive a complete package of supplemental wellness benefits at zero net cost
  • No reduction in take-home pay — the benefit more than covers its own cost
  • Benefits supplement (not replace) any existing health coverage already in place
  • Entire family covered for telemedicine and prescription drug benefits
  • Access to Zig Ziglar personal development coaching — 6 sessions per year
What Employees Receive

A Complete Wellness Benefits Package

This is not a pick-and-choose plan. Every enrolled employee receives this full package of benefits — at zero net cost to them or the employer.

Plan Benefit Coverage
Proactive WellCareUp to $1,200/month
Critical Illness$2,500
Daily Inpatient Surgery$1,000 — 1 visit per year
Inpatient Surgery — Anesthesia$400
Daily In-Hospital BenefitUp to $1,000/day — 30-day max per year
Emergency Room Visit (Accident)Up to $500 — 3 visits per year
Emergency Room Visit (Sickness)Up to $500 — 3 visits per year
Zig Ziglar Coaching6 sessions per year
Prescription Drug Formulary (Entire Family)Up to 1,500 medications at $0 cost
Telemedicine (Employee & Entire Family)24/7 via phone or email

Benefits underwritten by major insurance carriers. Program approved in all 50 states and U.S. territories.

Who Qualifies

If You Have 20 or More W-2 Employees, You Likely Qualify

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Small Businesses

Any employer with 20+ W-2 employees. Restaurants, retail, manufacturing, professional services — any industry qualifies.

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Non-Profits

Non-profit organizations and government agencies are eligible. The tax savings apply to the employer's share of FICA regardless of tax-exempt status.

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Multi-Location Operators

Franchise owners and multi-location businesses see compounding savings across every location and every employee.

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Growing Companies

The more employees you add, the more you save. Companies that are actively hiring benefit immediately from each new W-2 employee enrolled.

The Business Owners Tax Savings Playbook

📚 Want the Full Picture?

Download the free Business Owners Tax Savings Playbook — it covers Section 125, R&D Credits, FICA Tip Credits, and more in plain English.

Get the Free Playbook →
Jim Saar — Business & Financial Consultant, Prosperity Business
Jim Saar
Business & Financial Consultant
Prosperity Business
📞 (619) 361-1825

📅 Book a Free Call
Ready to Get Started?

A Free Analysis. No Commitment. No Catch.

The first step is a complimentary review of your payroll data. You'll see exactly how much your company qualifies to save — for both the employer and every enrolled employee — before you make any decision.

The onboarding process takes 4–8 weeks depending on company size. Once complete, your company starts receiving benefits on the first day of the following month. There are no major catches, no net costs, and it's easy to start and use.

“I'm not a call center. I'm not a referral service. When you call (619) 361-1825, I answer. We'll spend 30 minutes reviewing your situation and I'll show you exactly what your business qualifies for — at zero cost to you.”
— Jim Saar, Prosperity Business

✅ What Happens on the Call

  1. Jim reviews your employee count and payroll structure
  2. You receive a free savings estimate — employer savings and employee benefit values
  3. If it's a fit, Jim walks you through the enrollment process (4–8 weeks)
  4. Benefits begin on the first day of the following month

CA #076939  |  NV #4012309  |  FL #W612948  |  TX #399504  |  NPN #74416

Your Employees Deserve a Pay Raise.
You Deserve a Tax Break.

Both happen at the same time — at zero out-of-pocket cost to you. Book a free 30-minute call with Jim and find out exactly what your business qualifies for.

📅 Book My Free Call with Jim 📞 Call Jim: (619) 361-1825

30 minutes. No cost. No obligation. No sales pitch. Available Monday–Friday.