Pretax Benefits for Nonprofits & Mission-Driven Employers | Thrive Benefits Group
Nonprofits

Nonprofit Pretax Benefits &
FICA Tax Savings Nonprofit
Pretax Benefits &
FICA Tax Savings

Reduce employer FICA payroll taxes across your mission-funded workforce with an IRS Section 105/125 pretax wellness strategy. Redirect savings back into programs mid-year with zero open enrollment delays while keeping existing health benefits fully intact.

See Your Savings See nonprofit case studies

3 Budget Pressures Squeezing Nonprofit Margins 3 Pressures Squeezing Nonprofit Margins

Nonprofit team serving their community

Built for multi-site nonprofits, youth-serving orgs, workforce development, and faith-based employers Built for multi-site nonprofits and mission-driven employers managing lean payrolls and high staff turnover.

  1. Employer 7.65% FICA on taxable wages; every dollar of payroll tax is a dollar that never reaches programs, participants, or the community you serve.

  2. Renewal premium jumps and rising benefits spend compete with restricted grants and program budgets that cannot absorb new overhead.

  3. Need a take-home / benefits story for staff that does not add a new employer expense line or divert dollars from the mission.

Verified in nonprofits

City of Refuge Nonprofit workforce & housing
$82,248/yr Employer FICA savings redirected to the mission
Read the City of Refuge case study
Boys & Girls Clubs Greater Augusta
$140,499/yr Combined annual savings for a youth-serving nonprofit
Read the Boys & Girls Clubs case study

Case studies are proof. This page is the nonprofit system.

Care That's Included for Your Team

No surprise bills from insurance for staff.
$0 copay. $0 deductible

24/7 Telemedicine

Dedicated physicians · At-home labs · Primary care · Integrated urgent care · Chronic condition management · Specialist coordination

Mental Health Suite

Behavioral Health · Psychiatry · Therapy On-Demand Counseling · Medication management · Primary care coordination

Rx Coverage

$0 copay on a broad list of generics · Covers 95% of top 200 maintenance medications · 70,000+ pharmacy locations

Health Advocacy

Bill Negotiation · Care Navigation · Physician Search · Coverage Review · Rx Assistance

  1. Dedicated physicians · At-home labs · Primary care · Integrated urgent care · Chronic condition management · Specialist coordination

  2. Behavioral Health · Psychiatry · Therapy On-Demand Counseling · Medication management · Primary care coordination

  3. $0 copay on a broad list of generics · Covers 95% of top 200 maintenance medications · 70,000+ pharmacy locations

  4. Bill Negotiation · Care Navigation · Physician Search · Coverage Review · Rx Assistance

Accident Expense

Covers ER visits, follow-ups, physical therapy, and more after an accident.

Critical Illness

A lump-sum paid to you if you are diagnosed with cancer, a heart attack, stroke, or other covered illness.

Short-Term Disability

Replaces lost income when you cannot work due to injury or illness.

Hospital Indemnity

Cash paid directly to you when you are admitted to a hospital.

Term Life Insurance

Coverage through age 70 for your beneficiaries. Peace of mind that does not cost you a thing.

Whole Life Insurance

Permanent coverage that builds cash value and never expires.

  1. Covers ER visits, follow-ups, physical therapy, and more after an accident.

  2. A lump-sum paid to you if you are diagnosed with cancer, a heart attack, stroke, or other covered illness.

  3. Replaces lost income when you cannot work due to injury or illness.

  4. Cash paid directly to you when you are admitted to a hospital.

  5. Coverage through age 70 for your beneficiaries.

    Peace of mind that does not cost you a thing.

  6. Permanent coverage that builds cash value and never expires.

Compliance, Tax Mechanics & Execution

  1. Common problems arise with these programs without proper documentation. Problematic set ups rely on generic, single plan documentation which capitalize on tax ambiguity.

    To prevent tax ambiguity and satisfy ERISA governance requirements, Thrive Benefits Group supports the arrangement through three distinct plan documents.

    Read Legal Compliance Guide →

  2. Cuts taxable wages subject to 7.65% employer FICA tax. Pre-configured for Paylocity, ADP, Gusto, and Paycor across three automated line items (pretax deduction, reimbursement, admin fee) without manual adjustments.

    View FICA Mechanics & Payroll Setup Guide →

  3. Layers cleanly alongside major medical carriers (BCBS, UnitedHealthcare, Aetna, Cigna) and top advisors (Gallagher, Mercer, WTW). Requires zero Broker-of-Record (BOR) changes, keeping current plans and commissions intact.

    Read Broker Coexistence & Layering Guide →

  4. Delivers about $50 per participant per month in net employer FICA savings, after fees. Every participant's paycheck is modeled before enrollment and verified in a mock payroll, so net pay is designed to hold steady or rise.

    View Savings & Impact Guide →

Benefits compliance and payroll operations

Nonprofit reading

Get an organization-level savings model before renewal

Headcount, FT/PT mix, and current medical are enough to model employer FICA impact and program dollars recovered.

See Your Savings