Vital 110™ · for business
Put a Health Scanner in Every Employee's Pocket.
The Vital 110 Facial Scan gives every employee a 60-second, 14-indicator health check from their phone — each payroll cycle. Engaged employees catch small problems before they become large claims on your major-medical plan. And the Section 125 structure means the benefit can lower your payroll taxes while it works.
projected employer healthcare cost rise in 2026
Source: Mercer
average family premium
Source: KFF
of covered workers face a deductible
Source: KFF
The savings engine
How Section 125 Does the Work
Employee Enrolls Pre-Tax
Vital 110 runs under your Section 125 cafeteria plan.
Taxable Payroll Drops
Every premium dollar comes out before tax.
You Save FICA
7.65% on every pre-tax premium dollar.
Freed Dollars Fund More Benefits
The plan pays for engagement your major medical never got.
The Number, Stated Honestly
At a $12,000/yr pre-tax premium per enrolled employee: ~$918/yr gross FICA savings → ~$438/yr net after the plan's $40/mo employer admin fee. Illustrative; confirm with your tax advisor.
You've seen this pitch before
This Isn't a "Wellness Plan That Pays for Itself."
If a plan promising higher take-home pay and employer FICA savings has ever hit your inbox, you were right to be skeptical. They're sold as WIMPER (Wellness Integrated Medical Plan Expense Reimbursement) and SIMRP (Self-Insured Medical Reimbursement Plan) programs — and in 2023 the IRS addressed them directly: flat cash payments with no real health plan underneath are taxable wages, full stop. We raise the comparison ourselves, because the honest answer is the whole point: Vital 110 is built on a different chassis, and we'll hand your CPA the documents to prove it.
The IRS concluded that cash paid to an employee who has no unreimbursed medical expense is taxable wages — subject to income tax withholding and FICA — under §105(b). That memo is why the "wellness + FICA savings + higher take-home" category is radioactive. Vital 110 is designed to sit outside it.
The difference, argued honestly
Same Promise on the Surface. Different Plan Underneath.
Health Compass's position is that Vital 110 differs from the mass-marketed WIMPER / SIMRP pattern in five load-bearing ways. This is a design basis, not a legal opinion — which is exactly why we invite your advisors to check it.
| Structural element | Typical WIMPER / SIMRP scheme | Vital 110 · per Health Compass design |
|---|---|---|
| What's underneath | A "wellness program" with no health plan chassis | A self-funded MEC plan — ACA-qualifying Minimum Essential Coverage that satisfies Employer Mandate Penalty A |
| How money reaches the employee | Flat cash per activity, paid regardless of any medical expense | Claims payments adjudicated by a TPA, paid via assignment-of-benefit, documented on an EOB |
| Connection to actual care | None — the payment is the product | Tied to covered medical encounters and completion of the required health-scan protocol |
| Plan governance | Often none; promoter-administered | Self-insured design under the ERISA/DOL framework, §125 cafeteria structure, third-party adjudication |
| Participation | Optional checkbox; nobody verifies anything | Facial scans are a plan requirement — employees complete a scan each pay period, the routine Health Compass builds, prompts, and monitors |
This table reflects Health Compass Inc.'s design basis for Vital 110. It is not a legal or tax opinion, and no tax outcome is guaranteed. Your advisors should review the plan documents before you enroll.
Five questions to ask anyone pitching payroll-tax savings
Before you enroll in any plan that promises payroll-tax savings — including ours — make whoever is pitching you answer these in writing.- Is there an ACA-qualifying health plan (MEC) underneath — or just a wellness program?
- Are payments adjudicated as claims and documented on an EOB — or flat cash per activity?
- Is every payment tied to an actual covered medical encounter — or paid regardless?
- Is participation a monitored plan requirement — or an honor-system checkbox?
- Will they put their compliance basis in writing and welcome your CPA's review — before you enroll?
Get your version
Every Seat at the Table Has Different Questions.
The owner wants the P&L. The CFO wants the math, gross to net. HR wants the rollout. Counsel wants the structure. Pick your seat — each page answers the question you're actually asking.
Owner / CEO
The P&L case — lower spend, payroll-tax savings, and a benefit people feel every cycle.
Read the P&L case →CFO
The math, gross to net — assumptions shown, the CCA cited, the CPA welcomed.
See the numbers →HR
The people case, honest employee framing, and a five-step implementation.
The rollout →Legal / Counsel
The design basis, the CCA analysis, and plan documents for your review.
The compliance path →Run Your Numbers + Get the Employer Deck
Name, mobile, email, company size → savings estimate + materials.
Your Materials.
The Employer Deck
The full Vital 110 employer presentation.
Savings by Headcount
See the illustrative table on the CFO page — gross to net, assumptions shown.
Talk to us →All figures illustrative. Vital 110 is provided and administered by Health Compass Inc. and offered through licensed health insurance agents. Confirm all tax outcomes with your tax advisor.