A full benefits suite that nets to zero cost.
The PCMP gives your employees nine real benefit services and raises their take-home pay — funded entirely by legitimate pre-tax savings under IRC §125 and §105, at no net cost to your company. Built compliance-first, so the savings hold up.
Schedule a call →Nine benefit services — at no cost to them.
Every participating employee gets access to the full suite. No copays, no out-of-pocket cost for these services, no reduction in base pay.
Employee Assistance Program
Confidential counseling and mental-health support for life’s challenges.
Virtual Urgent Care
See a provider by phone or video for everyday medical needs.
Free Lab Testing
Common lab work at no cost to the employee.
Enhanced Medication Formulary
Access to a broad list of medications at reduced or no cost.
Wellness Plans
Personalized wellness support and preventative-care guidance.
Virtual Pet Care
Telehealth access for the family pet.
Free Trust & Will
Estate-planning documents prepared at no cost.
401(k) Guidance & Financial Wellness
One-on-one guidance and an on-demand education library from a licensed advisor.
MindTrainer PRO™
Mental-fitness and performance training.
An optional employee-paid add-on is also available for those who want it.
Everyone comes out ahead — at zero net cost.
The PCMP works by capturing legitimate pre-tax savings that already exist in payroll and redirecting them to fund the program. The result is a benefit that pays for itself.
What your company gets
- Zero net cost — the program’s fees are covered by the tax savings it generates.
- A stronger benefits offering that helps you attract and keep good people.
- No administrative burden — we handle enrollment, documents, compliance, and support.
- A structure that holds up — built to established §125 and §105 standards.
What your employees get
- Higher take-home pay for participants, with no reduction in base salary.
- Nine benefit services at no cost to them.
- Real support — from virtual care and lab testing to financial and estate-planning help.
- A benefit they actually use, not one that sits unused on paper.
Simple to launch. We run the rest.
We set it up
We build the plan documents, integrate with your payroll, and structure everything to the legal standard.
Employees enroll
Each employee actively chooses to participate through a simple enrollment — never by default.
It runs itself
Enrollment, billing, compliance, and employee support are handled by us, month after month.
Why compliance is the whole point.
This structure is legitimate and powerful — but only when it’s built correctly. Many programs in this space cut corners that fail the legal standard, and when any one piece fails, the entire arrangement can be deemed non-compliant and the tax savings clawed back. Here’s what a compliant PCMP does not do — the standard we hold ourselves to.
No life insurance in the plan
Life insurance premiums aren’t medical care under §213(d), and cash-value coverage is barred deferred compensation under §125(f). We reimburse only real medical care.
No thin MEC standing in for coverage
A bare MEC plan doesn’t meet the group-coverage requirement a §105 SIMRP depends on. We satisfy it with a real, qualifying solution.
No income-gated eligibility
Excluding lower earners fails §105(h) nondiscrimination testing. We offer eligibility on nondiscriminatory terms.
No pricing by income
Charging employees different amounts for the same benefit fails the §105(h) benefits test. We charge one flat fee for everyone.
No guaranteed-savings claims
Tax savings vary by individual. We show the math and present honest estimates — never a fixed guarantee.
No auto-enrollment
A §125 plan requires affirmative election. We enroll only employees who actively choose to participate.
One failure sinks the whole plan. A §105/§125 program has to be compliant in full — if any single piece fails the legal standard, the entire arrangement is exposed, and the savings your company and your employees counted on can be clawed back. That’s why we build to the standard, not around it.
See what the PCMP would look like for your team.
A short call walks you through the benefit suite, the numbers for your headcount, and exactly how the zero-net-cost structure works.
Schedule a call →