Affordable Care Act

WIMPER Plan
Overview

We empower Hawaii Businesses to significantly reduce payroll taxes and bolster bottom-line profitability with zero out-of-pocket cost.

  • Zero Net Employer Out-of-Pocket Expense

  • Average Annual Savings of $500+ Per W-2 Employee

  • Full IRS & ERISA Statutory Compliance

  • Seamless Integration with Existing Payroll System

LIMITED AVAILABILITY

Book Your Consultation

Evaluate your company's potential payroll tax reduction and employee wellness credit eligibility with a senior advisor.

15-min call · Zero obligation · Custom analysis

Elevate your business

ENTERPRISE-GRADE
ADVANTAGES

Upgrade your benefits architecture without expanding operational overhead. High-impact voluntary plans that generate bottom-line value for both balance sheets and workforces.

ZERO DIRECT EMPLOYER COST

Fund enterprise supplemental coverage entirely through employee pre-tax elections. Enrich your total compensation portfolio with $0 direct capital outlay or recurring enterprise expenditure.

  • 100% voluntary employee payroll deduction
  • Zero setup fees or recurring carrier surcharges
  • Seamless administration and turnkey onboarding

MEASURABLE FICA SAVINGS

Every voluntary dollar routed via Section 125 pre-tax payroll reduces your taxable wage base, yielding an immediate 7.65% reduction in matching FICA liability per participating employee.

  • Direct 7.65% enterprise payroll tax offset
  • Full IRS Section 125 regulatory compliance
  • Compounding balance sheet savings year-over-year

ENHANCED TALENT RETENTION

Equip your teams with premium indemnity, critical illness, and disability coverages. Fortune 500-grade benefits packages safeguard key personnel and drastically curb costly turnover.

  • Direct cash benefits paid straight to policyholders
  • Customized plan structures tailored by industry
  • Proven competitive advantage in talent recruitment

STRATEGIC COST ANALYSIS

THE INEFFICIENCY
SOLVED

Contrast traditional static benefits overhead against the dynamic tax efficiency and zero net cost architecture of the WIMPER framework.

CONVENTIONAL SYSTEM

Traditional Benefits Model

A standard cost-center structure where employer premiums escalate each fiscal cycle without offsetting bottom-line tax relief.

  • Compounding 8-15% annual premium rate hikes
  • Unmitigated employer FICA payroll tax burden
  • High out-of-pocket deductibles suppressing employee usage
  • Pure expense balance sheet impact with zero return
  • Administrative friction and static employee retention

Result: Increasing financial drain on operational margins year after year.

STRATEGIC OPTIMIZATION

The WIMPER Plan Architecture

A compliant Section 125 framework that eliminates out-of-pocket employer costs while generating measurable FICA tax reductions.

  • Guaranteed Zero Net Cost corporate rollout structure
  • Immediate Section 125 payroll tax and FICA reduction
  • First-dollar healthcare access without out-of-pocket drag
  • Enhanced take-home pay stability for key personnel
  • Turnkey compliance management and automated reporting

Result: Immediate net savings for the enterprise with superior employee health coverage.

15-Minute Strategic Review : No Obligation : Confidential Enterprise Audit

TRANSITION TIMELINE

SEAMLESS
INTEGRATION

Transitioning your workforce benefits requires zero disruption and zero heavy lifting from your internal HR or finance team.

STEP 01

Discovery Call

A brief 15-minute introductory session to review your current workforce structure, existing benefits framework, and overall organizational goals.

Commitment: 15 minutes

STEP 02

Strategic Analysis

Our specialists model your complete transition blueprint, preparing a custom plan design with full compliance verification and zero admin burden.

Delivery: Complete Custom Blueprint

STEP 03

Implementation

Turnkey employee onboarding, seamless payroll sync, and dedicated enrollment support managed entirely by our team.

Execution: 100% Turnkey Rollout

No obligation • 15-minute executive briefing • Zero administrative burden

STATUTORY INTEGRITY & GOVERNANCE

UNCOMPROMISING
COMPLIANCE

Tax-advantaged worksite wellness frameworks require strict statutory adherence. Every component of the WIMPER Plan is structured to meet rigorous federal tax codes, fiduciary mandates, and Hawaii-specific labor standards.

Corporate legal counsel reviewing employee benefit compliance documents in executive office

IRS SECTIONS 125, 105 & 106 COMPLIANCE

Fully codified within formal Internal Revenue Code frameworks. Pre-tax salary reduction plans operate strictly under Sec. 125 cafeteria regulations, while wellness medical reimbursements adhere precisely to non-taxable definitions under IRC Sec. 105(b) and 106.

ERISA & DEPARTMENT OF LABOR FIDUCIARY STANDARDS

Complete ERISA compliance package included automatically. Plan documentation includes formal Summary Plan Descriptions (SPDs), non-discrimination testing protocols, Form 5500 preparation, and fiduciary disclosures that safeguard plan sponsors from administrative liability.

HAWAII PREPAID HEALTH CARE ACT HARMONIZATION

Seamlessly overlays existing mandatory medical coverage without altering statutory requirements under Chapter 393 (HPHCA). The program acts purely as a supplemental wellness and preventative layer, preserving full state compliance and DLIR guidelines.

We Handle THe
Heavy Lifting

Compliance Built In

Every plan ships with a formal Wellness Plan Document, Section 125 Plan Document, and Self-Insured Medical Reimbursement Plan Document.

Payroll Integration, Handled

We work directly with your payroll provider to ensure accurate plan implementation — zero lift from your team.

Risk & Liability, Covered

Administrator fees are covered entirely by the tax savings the plan generates — so this costs your business nothing to run. Audit Protection Included.

Book Consultation

No obligation • 15-minute executive briefing • Zero administrative burden

FINAL STEP : STRATEGIC CONSULTATION

SECURE YOUR
ADVANTAGE

Consultation availability is strictly capped each quarter to maintain executive oversight for each client roadmap. Reserve your dedicated review session with our senior advisory team before the enrollment calendar closes.

  • Tailored Worksite Benefit Cost-Benefit Analysis for your organization
  • Direct compliance, ACA, and ERISA audit risk overview
  • Implementation roadmap and employee communication blueprint
  • Zero-obligation financial impact projection within 24 hours

LIMITED SLOTS AVAILABLE

REQUEST YOUR FREE SESSION

Speak directly with a licensed executive benefits specialist. No high-pressure sales, simply actionable strategic clarity.

🔒 100% Confidential • 15-Minute Executive Briefing • No Obligation