IGB program estimates put average net employer FICA tax savings at approximately:
Estimated annual net employer FICA tax savings at the same average.
*Estimates only. Actual results depend on employee eligibility, participation, compensation, plan structure, and payroll and tax circumstances. See Important Information below.
Iron Gate Business Advisors (IGB) provides an employer-sponsored benefits solution structured around a Section 125 cafeteria plan. It is designed to help employers reduce payroll-related costs while expanding the benefits available to employees. Qualifying benefits under a properly structured Section 125 plan receive favorable tax treatment. That treatment may allow employers to lower payroll tax expenses without taking on the premium burden that usually comes with adding new employer-paid benefits. The result is more value for your business and your employees.
A Section 125 cafeteria plan lets employees pay for certain qualified benefits on a pre-tax basis. Qualifying contributions are deducted from pay before certain payroll taxes are calculated. That can reduce the employer's taxable payroll and lower employer FICA tax (Social Security and Medicare) for participating, qualified employees. IGB's solution is designed to run alongside your existing payroll process, so implementation stays simple for your team. For a closer look at the payroll tax side, see our FICA Program.
On-demand access to board-certified physicians for employees and their families.
Routine care, preventive screenings, and wellness visits.
Access to tier-1 and tier-2 medications.
Access to behavioral health support and counseling.
Confirms the actuarial analysis substantiating the program’s fair market value and formally supporting the pre-tax deduction framework.
Outlines the detailed legal and regulatory framework validating the program’s structure, ensuring strict adherence to compliance standards.
IronGate utilizes an IRS-approved structure, supported by written plan documents and mandatory annual nondiscrimination testing.
Book a confidential consultation to review your workforce and current benefits.
We review your employee census and payroll data to confirm eligibility and estimate potential savings.
IGB structures the plan and coordinates setup with your existing payroll process.
You receive dedicated advisory support and ongoing reporting after launch.
Most employers treat benefits as a cost of doing business. A properly structured Section 125 strategy can change that equation.
Instead of adding another expense, IGB helps employers explore how qualifying pre-tax benefits may create savings at the payroll level while expanding the benefits employees can use.
It is a way to make your existing payroll dollars work harder.
Book a confidential 30-minute assessment with IGB, a National Sales Partner of Iron Gate. No commitment required.
