The benefits you already offer, working harder.
Most companies set up their benefits once and never revisit them — leaving tax savings unclaimed and compliance gaps unchecked. We review your group health, ancillary coverage, and 401(k), then restructure each to capture the savings you’re missing and meet the standards you’re required to meet.
Schedule a call →Set-and-forget benefits cost you twice.
Benefit plans tend to get built once — at open enrollment, or when the company first set them up — and then run untouched for years. Two things happen in the meantime. First, tax-efficiency opportunities go unclaimed: dollars that could be flowing through pre-tax stay fully taxed, quietly costing the company and its employees every payroll. Second, compliance drifts: plans that were fine at inception fall out of step with nondiscrimination rules, documentation requirements, and testing obligations that nobody’s actively watching.
Both are fixable. Neither fixes itself. That’s the work.
Three places savings and risk hide.
Group Health
We make sure premiums and contributions are structured pre-tax where they can be, that any HSA or FSA components are set up and integrated correctly, and that the plan meets its §125 and nondiscrimination requirements.
Ancillary & Supplemental
Dental, vision, disability, and voluntary coverages are often left on an after-tax basis by default. We review how they’re offered and funded so the pre-tax treatment that’s available is actually being used.
401(k)
We review plan design, contribution structure, and the testing your plan has to pass — so it’s working efficiently for owners and employees alike, and clearing its compliance obligations rather than tripping them.
Two outcomes, on every plan we touch.
Captured savings
The pre-tax efficiency that was sitting unused, put to work — lowering cost for the company and raising take-home pay for employees.
Closed compliance gaps
Plan documents, nondiscrimination testing, and structure brought back in line with what the rules actually require — before a problem surfaces.
No disruption
Optimization happens inside your existing benefits — your people keep what works. We change the structure underneath, not the coverage they rely on.
A review first — then a plan.
Review
We examine how your group health, ancillary, and 401(k) plans are structured today.
Identify
We flag where savings are being left on the table and where compliance has drifted.
Restructure
We put a plan in front of you to capture the savings and close the gaps — you decide what to act on.
Maintain
We keep the structure current as rules and your business change, so it doesn’t drift again.
Savings that don’t survive review aren’t savings.
It’s easy to find a tax angle in a benefits plan. It’s harder to find one that also clears §125, §105(h), and the testing your plans are obligated to pass — and that distinction is the whole job. We optimize for the greatest legitimate efficiency and make sure every change holds up to scrutiny, because an aggressive structure that fails a test costs far more than the savings it promised. Optimize hard, never past the line.
Find out what your current benefits are leaving on the table.
A short call and a look at your current setup is enough to spot where savings are going unclaimed — and where you may be carrying compliance risk you didn’t know about.
Schedule a call →