Quantum Health Initiative
Reduce payroll taxes.
Give your team real health benefits.
A compliant IRS Section 125 program that returns roughly $500 to $640 per W-2 employee per year to your bottom line by reducing your company's FICA tax liability, with zero net cost to your company or your team.
Example. 50-person company.
$28,500
Estimated annual payroll tax savings. Actual varies by workforce composition and participation.
30 minutes. No obligation. Custom savings model within one business day.
Is this right for you
Two questions to check fit
Three quick checks before you run the numbers.
You qualify if
- You have 10 or more full-time W-2 employees
- You do not use a PEO for payroll (Insperity, TriNet, ADP TotalSource, Justworks)
- You have a group health plan in place
Not a fit if
- You use a PEO for payroll
- You have fewer than 10 W-2 employees
- You do not offer a group health plan
- Your workforce is 1099-only
How it works
A wellness benefit funded pre-tax
QHI is a compliant preventative care program that layers on top of your existing group health plan. Zero plan replacement. Zero premium increases. Zero disruption to your current benefits. Employees receive real healthcare services; your company reduces FICA tax liability. Both sides win.
01
Employee enrolls
Employees enroll in the preventative care program alongside their existing group health plan. Voluntary participation, zero disruption to current benefits.
02
Pre-tax deduction
Payroll deductions come out pre-tax under IRS Section 125, before FICA, FUTA, and SUTA are calculated.
03
Preventative care delivered
Health screenings, unlimited virtual care visits, mental wellness support, chronic condition management, and access to 1,000+ covered prescriptions. All at no added cost.
04
You save on payroll tax
Your company's FICA liability drops by roughly $500 to $640 per participating W-2 employee, per year. Hard-dollar EBITDA lift, zero net cost.
Estimate your savings
What could this be worth to you?
Estimated annual savings
$28,500
Range $25,000 to $32,000
How we calculate
Employer savings on payroll taxes (FICA at 7.65 percent, FUTA at 0.6 percent, plus state SUTA where applicable) on pre-tax wellness plan participation. Typical companies land in the $500 to $640 per employee, per year range. Workforces with many employees earning above $300,000 per year may see per-employee savings below this range. Numbers are illustrative, not a guarantee.
Every month you wait, your company forfeits about $2,375 in unrecovered payroll taxes.
Compare your options
Where QHI fits in your benefits stack
QHI sits alongside your existing benefits. It is not a replacement.
The path forward
From first call to first savings in 30 to 45 days
Four steps. Minimal lift on your team.
Step 01
Discovery call
30 minutes. We qualify fit and outline next steps.
Step 02
Custom savings model
Within one business day, a company-specific projection.
Step 03
Enrollment and setup
The licensed TPA handles enrollment. Roughly 30 days.
Step 04
Savings hit your books
First paycheck after go-live shows reduced payroll tax.
Common questions
What CFOs ask us first
Why haven't I heard of this before?
Section 125 has been in the tax code since 1978 and is widely used for HSA and 401(k) contributions. Applying it to a wellness benefit is a newer application and requires a licensed TPA to structure correctly, which is why most companies do not do it themselves.
Is this actually legal?
Yes. QHI operates under IRS Section 125, the same section of the tax code that governs your 401(k), HSA, and FSA contributions. The preventative care program is administered by a licensed third-party administrator. We have a legal opinion on file and a clean audit history across our client base.
Does this replace my group health insurance?
No. QHI is a preventative care overlay that layers on top of your existing group health plan. Zero plan replacement. Zero premium increases. A group health plan is required for the program to run.
What do employees actually receive?
Comprehensive health screenings, unlimited virtual care visits, mental wellness support, chronic condition management, and access to over 1,000 covered prescriptions. All at no added cost to the employee. It enhances your total rewards package and delivers benefits typically only offered at enterprise-scale companies.
What if we are on a PEO?
QHI does not work with PEOs (Insperity, TriNet, ADP TotalSource, Justworks). The PEO controls your payroll, so the program cannot be structured on your side. If you leave the PEO, QHI becomes available.
Who administers the plan?
A licensed third-party administrator handles all filings, compliance, and employee reimbursements. Quantum Business Solutions is the strategic partner, not the TPA. This separation is deliberate and required for compliance.
What are the ongoing fees?
The TPA charges a per-employee-per-month administration fee, deducted from the pre-tax savings the program creates. Your net-cost math stays positive from month one.
Get started
See what your company could save
Book a 30-minute discovery call. We qualify fit, walk you through the mechanics, and deliver a custom savings model within one business day.
No obligation. No sales pressure.
Governed by Federal Tax Code
The savings estimates on this page are illustrative and not a guarantee. Actual savings depend on your workforce demographics, participation rate, state SUTA rates, and program structure. This is not tax or legal advice. Quantum Business Solutions is not a tax advisor, legal advisor, or licensed TPA. Program administration is performed by a licensed third-party administrator. Consult your tax and legal counsel before implementing any tax-planning program.