When employers look for ways to control rising benefit costs while still supporting their teams, section 125 plan benefits often become the starting point of that conversation. But in 2025, these plans are doing far more than simply offering flexible benefits; they’re part of a modern strategy that smart organizations are using to strengthen retention, improve workplace morale, and reshape the overall culture of care. With Elevate Benefits and the Elevate+ program, companies now have a clearer and more effective way to leverage Section 125 in combination with two powerful additions: the Preventative Care Management Plan (PCMP) and the Self-Insured Medical Reimbursement Plan (SIMRP).

This combination creates one of the most compliant, automated, and cost-free benefit structures available today. And it all starts with understanding how section 125 plan benefits influence payroll efficiency and long-term organizational savings.

Why Section 125 Matters for Employers

Before diving into payroll improvements, it’s important to recognize what makes Elevate+ so different from anything employers have traditionally known. While many companies are familiar with cafeteria-style frameworks or flexible benefits menus, Elevate+ goes much deeper. It uses Section 125 as a base but enhances it through structured preventative care, family wellness support, digital health tools, and employee protection services.

And because of this layered approach, the actual impact on employee well-being and employer performance is far more valuable than standard section 125 plan benefits used in isolation.

How Elevate+ Uses Section 125 to Strengthen Company Savings

Elevate+ is designed specifically for mid-to-large workforces (40,000–70,000+ eligible employees). These organizations face constant tension: higher insurance costs, higher turnover, and increasing pressure to offer more benefits without more budget. Section 125 health plan creates the foundation for relieving this pressure.

Here’s how Elevate+ leverages Section 125 within its structure:

• It aligns the PCMP and SIMRP services with Section 125 regulations

• It ensures compliance while automating the entire process

• It supports employees without decreasing their take-home pay

• It lowers company-wide costs through health improvement and reduced claims

And because Elevate+ carries zero out-of-pocket cost, employers see immediate gains without any operational or financial disruption.

The Role of PCMP and SIMRP in Elevate+

What makes Elevate+ one of the most benefit-rich systems on the market is its unique three-part design:

1. Preventative Care Management Plan (PCMP)

Employees and their families receive meaningful care tools:

• 24/7 Telemedicine

• Mental health and counseling

• Mayo Clinic wellness dashboard

• Addiction support

• Couples counseling

• Health vitals scanning

• Diet and stress programs

These services improve employee health, which lowers medical claims, a major factor in why companies participating in Elevate+ see reduced long-term healthcare costs.

2. Self-Insured Medical Reimbursement Plan (SIMRP)

SIMRP adds coverage and structured reimbursement for wellness and preventative activities, strengthening financial protection for employees.

3. The Section 125 Framework

This provides the structural compliance foundation needed to ensure the entire program is legally sound, auditable, and consistent.

Together, these three layers form Elevate+, creating a system that not only improves organizational well-being but also strengthens payroll efficiency and retention.

How Section 125 Influences Payroll and Financial Results

Although Elevate+ does not require employers to alter existing benefits, one of the biggest advantages is how it improves the financial efficiency of the payroll structure. Under the Elevate+ model, companies save approximately:

• $600 per W2 employee every year

• $60,000 per 100 employees

• Additional long-term savings from reduced claims (~$1,400 over three years)**

This stability helps budget forecasting and long-term planning, two areas where companies with growing workforce numbers struggle the most.

The Employee Side: Higher Net Pay + Better Coverage

One reason retention jumps under Elevate+ is that employees immediately feel the improvement. Instead of asking them to pay more for benefits, Elevate+ lets them experience:

• A 3–4% increase in net pay (about $100 per month)

• Spouse and dependent coverage

• 24/7 Telemedicine

• Mental health and family wellness support

• Digital health tools through the Mayo Clinic

• Critical illness, life, and disability protections

• And all of this comes with $0 copays.

Employees feel supported. Families feel protected. Work satisfaction increases. And turnover declines as a result.

Why Elevate+ Works So Well for Public Agencies, Logistics Teams, Healthcare Groups, and More

Public agencies and large-scale employers face some of the toughest retention and morale issues today. Many operate within strict budgets, slow approval cycles, and rigid compliance requirements. Elevate+ was designed specifically for these environments. Its automation, compliance tracking, and hands-off administration make it extremely easy to implement.

Once the system is deployed, leaders often notice an immediate shift:

• Employees become more engaged

• Families experience real health improvements

• HR sees lower claims and smoother processes

• Executives see better budget alignment

• Teams experience fewer disruptions

This is the type of cultural transformation that elevates entire organizations.

Why Leaders Are Adopting Section 125 Structures More Aggressively in 2025

Most employers aren’t simply looking for benefits; they’re looking for outcomes. They want retention, loyalty, performance, and financial stability. The Elevate+ system delivers these results because it blends:

• Compliance

• Wellness

• Automation

• Family care

• Employee performance support

And it uses Section 125 to hold the entire system together. This is why Elevate+ consistently ranks as one of the most powerful approaches available in the marketplace today.

Conclusion: The Future Lies in Elevated, Integrated Benefits

As more companies focus on long-term stability and loyalty-based cultures, systems like Elevate+ continue to rise in popularity. And while Section 125 remains the foundation, the true power comes from the way Elevate+ blends it with health management and reimbursement strategies.

This system offers unmatched strength, solid compliance, family-centered care, improved payroll efficiency, and lower long-term healthcare costs. It’s a model built for growing companies that want to support their teams without adding financial pressure.

And as leaders increasingly evaluate Section 125 cafeteria plans, Elevate+ stands out as one of the most strategic and high-impact pathways for both organizational and workforce success.

For employers wanting a smarter way forward, Elevate+ is where it begins. Let’s Talk About Improving Your Benefits