How does SIMRP legal and compliance review work?

To prevent tax ambiguity and satisfy ERISA governance requirements, Thrive Benefits Group supports the arrangement through three distinct plan documents rather than generic single-plan documentation.

How do FICA tax savings mechanics and payroll setup work?

It cuts taxable wages subject to 7.65% employer FICA tax. Pre-configured for Paylocity, ADP, Gusto, and Paycor across three automated line items without manual adjustments.

Does this require changing our insurance broker?

No. It layers cleanly alongside major medical carriers and top advisors with zero Broker-of-Record (BOR) changes, keeping current plans and commissions intact.

What is the net company savings and paycheck impact?

Delivers ~$49.74 in net monthly employer FICA savings per employee after fees. Non-taxable reimbursements offset pretax deductions on every pay stub, guaranteeing net pay never decreases.

Savings Projection

See What Your Company Is Leaving on the Table

Move the slider to your headcount. The projection below comes from real enrolled-group data, not a rule of thumb.

How Many Employees Do You Have?

Employer Annual
Bottom Line Savings

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Employee Annual
Medical & Paycheck Relief

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Combined Total

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Zero Waiting Zero Disruption Zero Plan Changes

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Organizations Already Running This

Three groups, three different shapes. The same model underneath each one.

City of Refuge Atlanta, GA

$ 401,856

Combined Annual Savings

Boys & Girls Clubs Augusta, GA

$ 140,499

Combined Annual Savings

View case study

What's Included

Simple Plan, New Ways Forward

A standalone solution that works alongside your medical plan.

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 the top 200 maintenance medications · 70,000+ pharmacy locations

Health Advocacy

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

100% Nationwide Coverage 15.6 Years Average Physician Experience Under 10-Minute Wait Times HITRUST Certified

Compliance, Tax Mechanics & Execution

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 →
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 →
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 →
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

Find Out What This Is Worth to Your Team. We’ll Pay You $100 to Check.

Find Out What It's Worth

A 15-minute review is all it takes to see if this is a good fit. We’ll send you $100 cash or a gift card right after our call for your time. If this doesn't make sense we’ll be the first to tell you.

We value your time. We’ll send you $100 cash or a gift card right after our call for your time. If this doesn't make sense we’ll be the first to tell you.