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Turn employee benefits into measurable payroll tax savings.

Optiv helps employers model, implement, and administer compliant Section 125 and ICHRA-based strategies that may reduce costs while improving usable benefits.

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$957
estimated annual net employer FICA savings per enrolled employee
40 days
typical implementation path from data to go-live
20+
W-2 employee threshold for analysis
Benefits savings dashboard preview

Projected employer impact

$287,100

Modeled five-year value for a 60% participation scenario.

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How Section 125 Plans Can Reduce Employer Payroll Tax Exposure

Use concise proof points to make savings, participation, and implementation outcomes credible.

The Optiv Group/March 12, 2026/8 min read

Section 125 cafeteria plans allow eligible employees to make certain benefit elections on a pre-tax basis, which may reduce taxable payroll for the employer and improve employee take-home pay.

Want to run the numbers?

Optiv can model estimated FICA savings, participation assumptions, administrative fees, and implementation timeline for your workforce.

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Send the basics. Optiv will help you pressure-test the opportunity.

From §125 payroll tax savings to ICHRA-backed coverage strategies, Optiv gives employers multiple ways to reduce cost without reducing value.

125

125 Smart Plan

Reduce taxable payroll, improve employee take-home pay, and fund fully insured indemnity benefits.

$957

Approximate annual net employer FICA savings per enrolled employee

Explore the 125 Smart Plan
ICH

Optiv Advantage

Stack §125 strategy with ICHRA or MEC design to create a modern alternative to high-cost group plans.

Up to 60%

Potential reduction against traditional group rates depending on census and market

See Optiv Advantage
ROI

Savings Calculator

Model employer FICA savings, admin fee impact, employee take-home pay, and multi-year value.

5 years

Projected program value view for CFO-level decisions

Run the numbers

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Send the basics. Optiv will help you pressure-test the opportunity.

Use concise proof points to make savings, participation, and implementation outcomes credible.

“Optiv gave us a way to discuss benefits in CFO language. The savings model was clear, and HR understood exactly what had to happen next.”

Jordan Ellis

Jordan Ellis

CFO, multi-location services employer

Projected six-figure annual payroll tax impact

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Send the basics. Optiv will help you pressure-test the opportunity.

For employers with 20 or more W-2 employees, a short discovery flow can clarify whether the §125 Smart Plan or Optiv Advantage stack is worth deeper analysis.

20+

W-2 employees

40

day implementation

24-72h

custom projection

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By submitting, you agree to be contacted about Optiv services. Savings require employer-specific review.

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