Strong teams start with care, and saving on taxes doesn’t have to come at the cost of offering better benefits. Employers who want to reduce payroll expenses alongside improved retention while building a superior organizational environment should know they are not unique in this quest. As healthcare costs rise and employee expectations evolve, it’s more important than ever to provide a comprehensive employee benefits package that stands out, without increasing your bottom line.
The Elevate+ Plan from Elevate Benefits provides the solution to these needs. Many Section 125 plans fail to match the uniqueness of this particular offering. Elevate+ connects Section 125 benefits with PCMP and SIMRP to establish one of the most legally compliant and rich-benefit high-value programs available today.
Let’s break down how this approach can lead to significant payroll tax savings—and why over 70,000+ employees are already enrolled.
What Is a Cafeteria Plan? Why It Matters?
Under Section 125 and through a system known formally as a cafeteria plan employees receive permission to select between different taxable and non-taxable benefits. The term “cafeteria” describes employee benefit options since workers obtain multiple choices including health insurance and dependent care and other tax-advantaged benefits.
Properly designed cafeteria plans lower employee taxable income so they need to pay less tax while employers cut down on their payroll tax responsibilities.
- Traditional cafeteria plans only scratch the surface.
That’s why Elevate Benefits created Elevate+—a modern, automated, and fully managed solution that goes far beyond the basics.
What Makes the Elevate+ Plan Different?
Unlike a standalone Section 125 plan, Elevate+ combines three powerful components:
- Section 125 – Enables pre-tax contributions for certain benefit expenses
- PCMP (Preventative Care Management Plan) – Delivers health and wellness programs with zero employee out-of-pocket costs
- SIMRP (Specialized Insurance Medical Reimbursement Plan) – Covers critical illness, mental health, and more—automatically and compliantly
Together, these create a turnkey solution that helps employers lower costs while employees enjoy a better, more complete benefit experience.
How Employers Save? Real Tax Advantages
Every time an employee’s taxable income is reduced through pre-tax benefits, employers save money, especially on FICA taxes (Social Security and Medicare).
With Elevate+, employers save an average of $600 per employee per year—that’s $60,000 in savings for every 100 employees.
Bottom-Line Employer Benefits:
- $600/year saved per W2 employee
- No out-of-pocket costs to implement
- Reduced healthcare claims (avg. $1,400 saved over 3 years)
- 30–45 day automated rollout
- Boosts employee retention and productivity
- Immediate bottom-line impact
Whether you’re a growing business or already managing a large team, those savings scale fast—all while helping you deliver a comprehensive employee benefits package that strengthens your team.
Why Employees Love It, Too?
Tax savings are great, but your team also wants real, everyday value. The Elevate+ Plan delivers big time—without reducing take-home pay.
Employee Benefits Include:
- 3–4% increase in net paycheck (~$100/month)
- $0 copay Telehealth services (doctors, nurses, wellness coaching)
- Mental health and addiction support
- Access to Mayo Clinic tools & health dashboard
- Universal Life, Disability, and Critical Illness coverage
- Spouse and dependent coverage included
Employees don’t have to change their doctor, insurance, or routine—yet they gain access to family-first benefits they’ll actually use.
These features not only improve quality of life but also serve as powerful employee retention strategies, giving you a competitive edge in attracting and keeping top talent.
Elevate Benefits: Designed for Compliance, Built for Impact
Elevate Benefits was created with one purpose: to help companies deliver more to their teams, without adding cost or complexity.
The Elevate+ Plan is fully compliant, fully automated, and tailored to modern workplace needs. It requires no out-of-pocket cost, no disruption to existing benefits, and no loss in take-home pay for employees.
Why Employers Trust Elevate+:
- Combines Section 125, PCMP, and SIMRP
- Designed for full legal compliance
- Backed by automated onboarding and reporting
- Trusted by more than 70,000 enrolled employees
- Reduces administrative burden and improves culture
Use Cafeteria Plans to Build a Family-First Culture
Today’s workforce wants more than a paycheck—they want to feel valued. Offering a flexible, modern benefit solution like Elevate+ sends a clear message:
We care about your well-being and your family’s future.
That message builds loyalty. It enhances team culture. It makes your company the kind of place people want to stay—and grow.
Cafeteria plans are no longer just a tax-saving tool. When enhanced with PCMP and SIMRP, they become a strategic foundation for better workplaces.
Save Smart, Lead Strong
Employers today face real challenges: rising benefit costs, high turnover, and economic uncertainty. But you don’t have to choose between saving money and offering better benefits.
With Elevate+, you get both. You save on payroll taxes, improve retention, and provide a richer, more impactful benefit experience—for free.
Book Your Free 10-Minute Consultation
Ready to cut tax waste and elevate your team’s experience?
Let’s talk. We’ll show you how Elevate+ can help your business save thousands while delivering real value to your people.