For the CFO
Gross to Net, Assumptions Shown.
You have seen benefit pitches that quote the gross number and bury the fees. Here is the whole walk, per enrolled employee, per year.
Per enrolled employee, per year
The Walk.
| Line | Amount / yr | Basis |
|---|---|---|
| Pre-tax premium (illustrative) | $12,000 | $1,000/mo Section 125 deduction |
| Gross employer FICA savings | ~$918 | 7.65% × $12,000 |
| Employer admin fee | −$480 | $40/mo to Health Compass |
| Net employer savings | ~$438 | gross − admin fee |
At scale
Illustrative Net Savings by Enrollment.
| Enrolled employees | Net after admin fee / yr | Gross FICA / yr |
|---|---|---|
| 10 | ~$4,380 | ~$9,180 |
| 25 | ~$10,950 | ~$22,950 |
| 50 | ~$21,900 | ~$45,900 |
| 100 | ~$43,800 | ~$91,800 |
| 250 | ~$109,500 | ~$229,500 |
Static illustration at the $12,000/yr premium assumption. An interactive estimator ships when figures are confirmed in writing by Health Compass. Actual savings depend on enrollment, payroll composition and plan administration.
Every figure on this page is illustrative — confirm with your tax advisor.
The memo your CPA will ask about
We Cite It Ourselves.
Gross FICA relief is about $918 per participating employee per year on the pre-tax deduction; net of the $40/month admin fee, about $438. And yes — we know about IRS CCA 202323006. It is why the wellness-indemnity schemes died, and why Vital 110’s payments run as TPA-adjudicated claims documented on an EOB instead of flat cash. Bring your CPA; we will bring the plan documents. See the compliance research path →
Next step
Bring Your CPA.
A short call, then the plan documents go to your advisors before anyone enrolls.