As an employer, you’re always looking for ways to reduce overhead without compromising employee satisfaction. Payroll taxes make up a large part of that overhead, and every dollar counts. But what if there was a compliant, no-cost way to reduce payroll taxes and give your employees even more value, without touching their take-home pay?

Enter Elevate+, a modern solution from Elevate Benefits that leverages pre-tax deductions payroll strategies through a fully integrated, IRS-compliant approach. It includes not just Section 125, but also a Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP), delivering a benefit-rich program that empowers employers and employees alike.

Let’s break it down.

What Are Pre-Tax Deductions — and Why Do They Matter?

Pre tax deductions payroll are sums deducted from an employee’s wages prior to the calculation of taxes. They may consist of health plan contributions, dependent care, commuter benefits, and other qualified spending.

When pre-tax deductions are implemented correctly, they lower the taxable income for both employees and employers. For employees, that means a lighter tax load. For employers, that means lower FICA (Social Security and Medicare) contributions, also known as payroll tax savings.

This is where Elevate+ shines.

How Elevate+ Uses Pre-Tax Deductions Payroll to Reduce Payroll Taxes

Elevate+ isn’t a traditional Section 125 plan. It’s a smarter, more impactful solution that:

• Leverages Section 125 tax savings,
• Integrates a managed Preventative Care Management Plan (PCMP),
• Includes a Self Insured Medical Reimbursement Plan (SIMRP),
• Delivers automated implementation with no added work for HR teams,
• Costs nothing to implement and requires no out-of-pocket spend from employers or employees.

This innovative plan structure is designed to maximize compliant pre-tax deductions, payroll opportunities and reduce payroll taxes for the business.

What Does That Mean in Real Dollars?

Through the use of Elevate+, employers typically save about $600 per W2 employee annually. For a 100-employee company, that’s about $60,000 in yearly savings — without having to raise wages or modify current benefits.

Employers also realize approximately $1,400 in decreased healthcare claims over three years per employee due to improved access and utilization of preventative care.

Let’s look at the advantages in greater detail.

Employer Benefits with Elevate+

Whether you have 50 employees or 5,000, Elevate+ helps you cut tax waste and unlock impactful savings. Here’s how:

• Save ~$600 per W2 employee per year
• Reduce healthcare claims by ~$1,400 per employee over three years
• No out-of-pocket cost to implement or maintain
• Fully automated rollout in just 30–45 days
• Improves employee retention and performance
• Provides immediate bottom-line savings

These results don’t require cutting corners or sacrificing care. In fact, Elevate+ enhances employee benefits, making it a true win-win.

Employee Benefits with Elevate+

Elevate+ is structured to ensure employees don’t lose a cent of their take-home pay. In fact, most employees actually see a 3–4% net paycheck increase — that’s around $100 extra per month in their pockets.

Here’s what employees get:

• 3–4% net increase in take-home pay (≈$100/month)
• $0 copay Telehealth (24/7 access to doctors and nurses)
• Mental health and wellness support
• Mayo Clinic wellness tools and personal health dashboard
• Universal Life, Disability, and Critical Illness coverage
• Spouse and dependent coverage options

All without affecting existing plans, 401(k)s, or paycheck amounts. More than 40,000 employees are already enrolled and experiencing the benefits of Elevate+ — because when your team wins, so does your business.

Why Elevate+ Is Different

Traditional pre-tax benefits plans often only scratch the surface of potential savings. Elevate+ goes further by combining Section 125 with two lesser-known but incredibly powerful tools: PCMP and SIMRP.

Here’s how each component works:

• Section 125: Allows employees to set aside a portion of their wages before taxes to pay for eligible benefits, reducing taxable income for both the employee and employer.
• Preventative Care Management Plan (PCMP): Encourages early detection, lifestyle coaching, and proactive health support — reducing long-term healthcare costs.
• Self Insured Medical Reimbursement Plan (SIMRP): Helps cover routine care expenses and provides additional protection for employees and their families.

Together, these elements form one of the most compliant and benefit-rich pre-tax deductions payroll solutions available today.

Compliance Without Complexity

One concern that often holds companies back from exploring new benefit models is compliance risk. But Elevate+ is built from the ground up to follow IRS guidelines while keeping everything automated and easy to manage.

From documentation to implementation to reporting — Elevate+ handles it all.

No Cost. No Disruption. Just Real Value.

Employers often assume that better benefits mean higher costs or administrative burdens. But Elevate+ challenges that belief.

With zero out-of-pocket cost, no changes to current plans, and no new payroll platforms required, Elevate+ fits seamlessly into your existing structure, while quietly working in the background to reduce payroll taxes and deliver tangible employee perks.

The Bottom Line: Reduce Payroll Taxes Without Reducing Pay

In today’s competitive hiring landscape, offering attractive benefits without inflating budgets is more important than ever. Elevate+ gives you that edge.

• By using a modern pre-tax deductions payroll strategy, Elevate+ helps you:
• Cut tax waste and reduce payroll taxes
• Strengthen employee loyalty with meaningful perks
• Improve financial well-being across the board
• Stay compliant without adding complexity
• It’s not just about offering “benefits.” It’s about giving your people more — and doing it smarter.

Ready to Elevate Your Benefits Strategy?

Elevate Benefits was created to help companies deliver more value to their teams, without increasing payroll costs or disrupting what they already have in place. Our compliant Section 125 solution allows employers to cut tax waste and offer family-wide benefits that don’t affect employee net take-home pay or require any out-of-pocket spending. It’s about elevating both the financial health of the business and the everyday life of the people who keep it running.

More than 40,000 employees are already enrolled in Elevate+, and the numbers keep growing.

Don’t let outdated benefit models drain your resources. Modernize your approach, protect your budget, and give your team what they deserve — all with no cost and no compromise.

Book your 10-minute consultation and get a free proposal by talking with an expert today!