Wholesale Commissions:

Wholesale pricing produces lower costs in worker's ​compensation premium. It's that simple.

Proper Risk Classification:

Reclassification is accomplished by improving the ​Experience Modification Rating (EMR/XMod).

Risk Management Resources:

Providing wellness resources, at no-out-of-pocket cost creates incentivized participation, which improves overall health and wellness of the employee.

Carrier Discounts with Approved Benefits:

If the overall risk in the workplace is minimized the ​premium of worker's compensation insurance you pay will ​be lower.

Better Benefits at No Additional Cost:

Our program allows you to obtain award-winning wellness ​benefits for your employees with no additional cost to you ​or them.

360 Wellness Plan:

The 360 Wellness Plan benefits cover over 40 categories of ​care within physical health, mental health, financial, and ​wellness assistance.

Universal Life Insurance:

Guaranteed Issue - No medical exams, permanent ​insurance. The policy belongs to the employee and is ​portable if they leave your company.

The 360 Wellness Plan is available to the employee and their families

Focused on how to achieve wellness, in all areas of our lives through participation.

Physical

Mental

Financial

Life Assistance

• Health Risk Assessment
• Predictive Disease Analysis
  
• Biometric Screening
  
• 24/7 Telemedicine $0/co-pay
  
• Health Tracking
  
• Discount Prescription
  
• Rx Ordering
  
• Wholistic Coaching
  
• Health Coaching
  
• Smoking Cessation
  
• Employee Assistance Program
  

• Relationship Health
• Identity Theft and Recovery
  
• Bankruptcy/Foreclosure
  
• Sale/Purchase Agreements
  
• Separation or Divorce
  
• Adoption
  
• Child Custody/Child Support
  
• Simple Will
  
• Traffic, Civil or Criminal Matters
  
• Legal Document Review
  
• Simple Dispute Resolution
  

• Planning for Retirement
• $25-$150k Universial Life Policy
  
• Student Loan Debt Relief
  
• Help Lowering Your Bills
  
• Get Paid to Exercise
  
• Tax-Related Issues
  
• College Education
  
• Student Loan Coaching
  
• Home Purchase Education
  
• Credit Report Review
  

• Unlimited Consultations
• Referrals
  
• Childcare
  
• Adoption
  
• Eldercare
  
• Dependent Care
  
• Medical Advocacy
  
• Life Coaching
  
• Personal Assistant
  

$25-$150k UNIVERSAL LIFE INSURANCE:

Guaranteed issue with no exam required. Accumulates cash value at a guaranteed 3% interest rate. Loan and withdrawal ​options. Employee owns their policy. And if they leave the company they can take the policy with them.

FICA SAVINGS

Criteria to Calculate Individual EMPLOYEE FICA Tax Savings:

• A W-4 election as single is allowed a $950 wage adjustment
  
• A W-4 election with dependents is allowed a $1,250 wage adjustment
  
• Generates a Section 125 Pre Tax Deduction
  
• Creates savings from lower taxable gross wages
• The Employee contributes $85 to Wellness, Balance to Life Insurance
• IRC 105 allows an IRC 213.d qualifying plan deduction reimbursement on a Post Tax basis
  
• Results = $0 net change to employee paycheck
  

Criteria to Calculate EMPLOYER FICA Tax Savings:

• The Employer FICA tax contribution is 7.65% of wages
  
• The Employer contributes $40/per employee. Money is deducted from the Employer’s FICA tax ​Savings with a remaining net savings.
  

Total Amount of Savings 1,000 Employee (50%/50%) Example:

W-4 Election Single $392.04 x 500 $196,020

W-4 Election with Dependents $667.56 x 500 $333,780

We pay per employee enrolled in the ​Wellness program also known as PEPM.

For example: A client has 1,000 ​employees. You would be paid $10 per ​employee for 12 months. $10 X 1000= ​$10,000 per month X 12= $120,000 for ​the year.