Trusted by more than 1,400 businesses nationwide
Save More, Offer More: Smart
Benefits for Your Business
A Section 125 Cafeteria Plan helps businesses reduce payroll taxes while giving employees more
pre-tax benefits. BrightPath Group makes it easy, compliant, and hassle-free.
5 Star Ratings
What is a Section 125 Plan?
A Smarter Way to Manage Employee Benefits
A Section 125 Plan, also known as a Cafeteria Plan, allows employees to
deduct eligible expenses pre-tax, lowering their taxable income while helping
employers save on payroll taxes.
- For Employers: Reduce payroll taxes by up to 7.65% on qualified employee contributions.
- For Employers: Enjoy higher take-home pay with tax-free benefits.
What is a Section 125 Plan?
Example of Tax Savings
A company with 50 employees can save an average of $15,000-$30,000 per
year just by implementing a Section 125 plan.
Why Haven’t More Businesses Implemented It?
process is too complex. That’s where BrightPath Group comes in—we make it
simple and ensure full IRS compliance.
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Why Choose BrightPath Group?
At BrightPath Group, we don’t just set up Section 125 Plans—we help you maximize your savings while staying fully compliant.
Effortless Setup
No complex paperwork or legal hurdles.
Fully IRS-Compliant
Avoid tax penalties and stay protected.
Tax Savings Experts
Proven strategies to reduce employer payroll tax liabilities.
Dedicated Support
Real people guiding you every step of the way.
Ongoing Compliance Support
We provide annual plan updates and compliance monitoring.
Fast Implementation
Most businesses complete the process within 30 days.
How It Works – Simple & Hassle-Free
Get it implemented from A-Z in less than 45 days. No Admin work is required from your end!
Custom Plan Setup
We tailor a Section 125 Plan to fit your business needs.
Employee Enrollment
We guide your team on how to maximize benefits.
Ongoing Compliance
Annual plan updates to ensure IRS regulations are met.
Enjoy the Savings
Watch your payroll tax savings increase month after month.
Who Can Benefit from a Section 125 Plan?
If your business has employees, you can benefit. Whether you're a small business owner or a large corporation, a Section 125 Plan will save you money.
Employers
Save $600-$700 per year for each qualified W-2 employee, with savings applied every payroll cycle.
Employees
Get pre-tax benefits for employees, their spouses, and dependents at no additional cost.
HR Teams
Attract top talent, enhance employee satisfaction, and reduce turnover with better benefits at no extra cost.
Employees Benefits
Telemedicine & Virtual Health
Consultations – 24/7 access to board-certified doctors with no copay.
Personal Health Dashboard (PHD)
A centralized platform for health tracking, risk assessment, and wellness management.
Preventative Health Screenings
Early detection programs for chronic disease prevention.
Mental Health & Behavioral Coaching
Counseling sessions for stress, anxiety, and overall well-being.
Wholeistic™ Health Coaching
One-on-one coaching with registered nurses for personalized health management.
Employee Assistance Program (EAP)
Free confidential counseling sessions for emotional and life challenges.
Health & Nutrition Education
Access to behavior change programs, diet tracking, and fitness tools.
Chronic Condition Management
Support for managing diabetes, hypertension, and heart disease.
Supplemental Benefits (Accident, Life, Critical Illness Coverage)
Protection for unexpected medical events at no extra cost.
Tax-Free Health Savings (FSA & HSA Eligible)
Pre-tax savings on medical expenses, reducing out-of-pocket healthcare costs.
The Compliance Advantage – IRS-Approved & Risk-Free
Many businesses worry about whether implementing a Section 125 plan could lead to tax issues or compliance risks. BrightPath Group ensures that your plan follows IRS guidelines and protects your business.
IRS & DOL Compliance
We ensure that your cafeteria plan meets federal regulations.
Legal Documentation Provided
You receive all required plan documents.
Annual Plan Review
We assist in keeping your plan updated.
No Risk to Your Business
Our team ensures full regulatory adherence.
Want to learn more about compliance?
Seamless Integration, Zero Hassle
Implementing a PCMP or Section 125 plan is effortless—we handle everything from setup to compliance with no extra work for your team.
Quick & Simple Payroll Integration
We work directly with 50+ payroll providers, ensuring a smooth, hands-off process. Whether you use ADP, Paychex, Gusto, QuickBooks, Workday, Paylocity, Rippling, Zenefits, UKG, BambooHR, or a custom system, our specialists ensure seamless deductions and reimbursements.
Fast Setup in 30-45 Days
We gather payroll details and employee data. Our team coordinates directly with your payroll provider. A test payroll run ensures everything is accurate before going live.
No Disruptions, Just Savings
Your payroll runs as usual—no manual work, no compliance worries. In just a few weeks, you start saving on payroll taxes while enhancing employee benefits.
And many more
The Financial Impact – How Much Can Your Business Save?
By implementing a Section 125 Plan, businesses typically see thousands of dollars in tax savings annually.
Small Businesses (10-50 employees)
Estimated savings of $5,000 - $35,000 per year.
Mid-Sized Companies (50-250 employees)
Estimated savings of $35,000 - $170,000 per year.
Large Employers (250+ employees)
Potential savings exceed $170,000+ per year.
Every business is different, and we help you maximize these savings by
ensuring proper plan setup and compliance.
HR & Employee Benefits Teams – Enhance
Your Benefit Offerings
Employers today face challenges in attracting and retaining talent. Employees expect benefits beyond just salary. A Section 125 plan is an easy, cost-effective way to provide additional perks without increasing business expenses.
Higher Employee Satisfaction
Employees see more take-home pay.
Improved Retention Rates
More benefits = fewer turnovers.
Increased Employee Awareness
Employees don’t always realize they could be saving on taxes.
Don’t take our word, hear our happy clients
Read More About Section 125
Explore case studies, compliance reports, tax incentives, and preventative health benefits—all in one place.
Frequently Asked Questions
Who qualifies for a Section 125 Plan?
Any business with W-2 employees can implement a Section 125 Plan, regardless of industry. The plan is designed to help both small and large businesses maximize tax savings while offering better employee benefits.
Does a Section 125 Plan replace our current benefits?
No, a Section 125 Plan works alongside your existing benefits. It enhances your compensation package without interfering with your current health insurance or voluntary benefits.
What are the employer benefits of offering a Section 125 Plan?
Employers benefit from reduced payroll taxes, increased employee satisfaction, and a more competitive benefits package—all at no additional cost. Many companies save $600-$700 per W-2 employee per year.
Is a Section 125 Plan IRS-approved?
Yes! It’s a fully IRS-regulated program that helps businesses and employees save on taxes.
How much does it cost to set up?
We offer affordable pricing based on company size, with no hidden fees.
What if I already offer health benefits?
You can enhance your existing benefits while unlocking additional tax savings.
How fast can we set up a plan?
Most businesses can get started within five business days.
Start saving today
BrightPath Group is here to help you implement a Section 125 plan effortlessly while ensuring
full compliance and maximum savings.
