Taking care of your team does more than boost morale, it makes a measurable difference to your business. As healthcare expenses rise and it gets tougher to keep great people on board, the need for a smarter solution grows.

Elevate+ brings that solution to the table. It helps you offer meaningful support to your employees, without extra costs or complicated processes, while also reducing your payroll tax burden.

If you’re looking for a way to reduce payroll taxes and offer valuable, no-cost benefits to your team, this guide lays out exactly how to make it happen.

What is Section 125 and Why is it Important?

Under IRS Tax Code Section 125, employers can give their teams the option to pay for certain benefits using pre-tax dollars. That lowers employees’ taxable income, and cuts down on payroll taxes for the employer, too.

But there’s a limit to Section 125 plan. That’s why Elevate+ goes a step further. It doesn’t just include Section 125, it puts it to work in a way that drives real results.

By integrating Section 125 benefits with proactive care (PCMP) and streamlined reimbursements (SIMRP), Elevate+ delivers a smarter, fully managed benefits experience that returns value from day one.

1. Unlock Payroll Tax Savings With Zero Upfront Cost

Let’s talk numbers.

• Save $600 per year per W2 employee
• That’s $60,000/year saved for every 100 employees
• No upfront cost to implement
• 30-45 day automated setup

By using pre-tax dollars to fund eligible health benefits under Section 125, Elevate+ cuts employer FICA and FUTA obligations. And because it’s tied to actual participation, not estimates, you realize those savings immediately.

Payroll tax reduction is built-in. There’s no waiting for a future reimbursement or annual reconciliation. The savings hit your bottom line in real time.

2. Increase Employee Take-Home Pay Without Raising Salaries

Employees enrolled in Elevate+ typically see a 3-4% increase in net pay, which amounts to around $100/month. That means you don’t have to stretch your compensation budget to keep your team happy, they’ll see more money in their accounts every month without a raise.

This added financial breathing room boosts morale, improves retention, and keeps your team focused on their work, not their next paycheck.

3. Offer Wellness That Employees Actually Use

Here’s what it looks like when you move beyond just ticking a box and start making a real impact:

With Elevate+, your team gets:

• Round-the-clock access to telemedicine and virtual care
• Urgent care visits and prescriptions with zero out-of-pocket cost
• Support for mental health, addiction recovery, and couples counseling
• Full coverage for dependents and spouses at no extra charge
• Wellness dashboards powered by Mayo Clinic
• Health tracking features like facial scan vitals, stress, and diet monitoring
• An Employee Assistance Program (EAP) to help with personal and work-life challenges

And the most surprising part? Every bit of this comes at a $0 copay, even for prescriptions and in-person urgent care.

This isn’t a promo offer or a watered-down wellness app. It’s a full-spectrum benefits solution that not only saves on taxes, it changes the everyday lives of your people and their families.

4. Maximize ROI With Better Health Outcomes

Wellness isn’t just about offering services, it’s about engagement that leads to better outcomes.

By promoting preventative care through PCMP, Elevate+ reduces long-term claims. Over three years, employers report an average of $1,400 in reduced claims per employee, simply because health issues are caught early and managed proactively.

5. Boost Retention and Performance

Let’s face it: your best people are being courted by other companies daily. 

With Elevate+, employees know they’re valued. They have:

• Financial breathing room from increased net pay
• Full access to physical and mental health tools
• Support for their spouse and dependents
• No extra cost for any of it

This directly contributes to higher job satisfaction, lower turnover, and improved productivity. And because Elevate+ is fully automated, your HR team gets more done with less administrative overhead.

Elevate+ vs Traditional Section 125: ROI Comparison

Feature	Traditional Section 125	Elevate+
Payroll Tax Savings	Yes	Yes (plus integrated PCMP & SIMRP)
Employee Pay Increase	Rare	Yes (~$100/month)
Mental Health & Addiction Support	No	Yes
Family Coverage	Often Limited	Full Spousal & Dependent Inclusion
Automation	Manual Setup	Fully Managed
$0 Copays (RX, Urgent Care)	No	Yes
Wellness Dashboard & Mayo Clinic Tools	No	Yes

 

Start with a Smarter Wellness Strategy

You don’t have to spend more to take better care of your team. You just need a smarter way to do it.

That’s what Elevate+ is all about. It’s not some cookie-cutter benefits plan, it’s a real, hands-on solution that:

• Helps you save money where it counts
• Puts more cash into your employees’ paychecks
• Gives them practical, everyday support they can count on
• Builds a workplace where people feel seen, valued, and want to stick around

And the best part? It doesn’t take months to roll out. In just 30 to 45 days, you can have it up and running, with no upfront costs.

Turn Benefits into Business Wins with Section 125 Plans

Let’s walk you through it. Book your 10-minute consultation today.