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Request a short overview
Schedule 125 onboarding support
Reduce Payroll Taxes With a Compliant Schedule 125 Wellness Program
We help mid-market employers understand Schedule 125 wellness programs and connect qualified companies with Group Advisors, a national administrator specializing in compliant cafeteria plan enrollment.
We start with a brief conversation to confirm fit before scheduling enrollment discussions.
Who This Is For
- Employ 50+ W-2 employees
- Use a payroll management service
- Are interested in tax-advantaged wellness benefits
- Want to evaluate enrollment in a Schedule 125 program
No Out-of-Pocket Cost
- Employer FICA payroll taxes are reduced
- Employee take-home pay increases
- Program fees are funded through payroll tax savings
- Employers and employees do not incur out-of-pocket expenses when eligibility criteria are met
Benefits Snapshot
- 24/7 telemedicine
- Prescription programs with zero copays on many medications
- Employee Assistance Program (EAP)
- Preventive screenings and health risk assessments
- Health coaching and wellness tools
What Is Schedule 125
Schedule 125 refers to a section of the Internal Revenue Code that allows certain benefit costs to be handled on a pre-tax basis through a cafeteria plan. When structured properly as part of a wellness program, Schedule 125 can reduce employer payroll tax liability and increase employee take-home pay. It is a tax structure, not a product or insurance policy.
What Schedule 125 Is Not
- Not health insurance
- Does not replace your existing medical plan
- Does not require changing brokers or payroll providers
- Does not involve bonuses, rebates, or gimmicks
How the Savings Are Created
By allowing certain costs to be paid pre-tax, Schedule 125 reduces taxable wages. This lowers employer FICA obligations and reduces employee tax withholding. The resulting payroll tax savings are used to fund the program.
How It Works
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Complete a brief qualification call
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If appropriate, meet with Group Advisors for enrollment review
Ready to start?
We start with a brief conversation to confirm fit before scheduling enrollment discussions.