Introduction: Smart Benefits That Actually Benefit
In today’s economy, employees are looking for more than just a paycheck—they want meaningful, cost-effective benefits. But what if employers could offer those benefits without increasing expenses or changing existing health coverage?
That’s where BrightPath Advantage comes in. BrightPath helps employers deliver real, pre-tax employee benefits through a modernized Section 125 Program that also includes a fully managed Preventative Care Management Plan (PCMP) and Self Insured Medical Reimbursement Plan (SIMRP). Together, these elements form one of the most compliant and financially impactful benefit programs available, at no cost to the employer or employee.
What Is a Section 125 Program?
A traditional Section 125 Cafeteria Plan allows employees to pay for certain benefits with pre-tax dollars, lowering their taxable income. Think of it like a cafeteria—you choose the benefits that work best for you, and you pay with money that hasn’t been taxed yet.
But BrightPath Advantage goes far beyond a standard cafeteria plan.
It leverages Section 125, while also integrating PCMP and SIMRP to provide additional value that most small businesses miss out on. This results in better benefits, greater compliance, and real savings for both employers and employees.
Financial Benefits of a Pre-Tax Cafeteria Plan for Employees
The BrightPath Advantage plan is built to support financial well-being for employees through:
-
Reduced Taxable Income
Employees’ contributions toward eligible benefits like health plan, wellness programs, and supplemental coverage are taken from pre-tax income. This reduces:
- Federal income taxes
- Social Security taxes (FICA)
- Medicare taxes
Example: An employee earning $45,000/year who contributes $3,000 pre-tax can save roughly $750–$1,000 in taxes annually.
-
No Change in Take-Home Pay
Despite the added coverage, there’s no decrease in net pay. Employees can take advantage of extra health services without noticing a hit to their paycheck.
-
$0 Copay 24/7 Telehealth
BrightPath Advantage offers unlimited access to doctors, nurses, and health coaches via telehealth at no cost to the employee.
-
Mental Health & Wellness Support
Included in the plan is a robust mental health package with counseling, addiction recovery support, and access to Mayo Clinic wellness tools.
-
Critical Coverage for Families
Employees get access to:
- Universal Life Plan
- Short- and Long-Term Disability
- Critical Illness Coverage
- Spouse & dependent enhancements
And again—these benefits are offered without affecting take-home pay.
BrightPath Advantage: A Smarter Approach to Section 125
While many employers offer a standard Section 125 cafeteria plan, BrightPath Advantage takes it further. This isn’t just a tax savings plan—it’s a fully managed, integrated program that combines a traditional Section 125 structure with a Preventative Care Management Plan (PCMP) and a Self-Insured Medical Reimbursement Plan (SIMRP). This combination allows employees to set aside pre-tax dollars, while also receiving additional benefits that traditional cafeteria plans don’t cover.
Because BrightPath Advantage is fully automated and compliant, there’s no administrative burden for HR teams. Employees don’t need to change their current coverage, and there’s no out-of-pocket cost for either party. By reducing taxable income through pre-tax deductions and providing access to 24/7 Telehealth, mental health services, Mayo Clinic wellness tools, and more, the plan creates a win-win scenario—employees save on taxes, and employers save on payroll expenses.
BrightPath doesn’t just include Section 125—it enhances it. That’s why more than 30,000 employees are already enrolled in BrightPath Advantage.
How Employees See Real Financial Gains—Without Reducing Take-Home Pay?
One of the most common concerns with benefit programs is how they affect take-home pay. With BrightPath Advantage, that concern is eliminated. Employees can participate in the program without any reduction in their net paycheck. This is possible because the plan uses pre-tax deductions to offset the cost of added benefits like a supplemental plan, wellness tools, and preventive care.
Instead of paying for these services out-of-pocket or post-tax, employees gain access to them tax-free—effectively increasing their total compensation package. They benefit from services such as $0 copay Telehealth, counseling, and wellness coaching, while employers benefit from reduced payroll taxes.
Plus, employees enjoy optional life, disability, and critical illness coverage, which enhances security for their families—again, all at no extra cost. It’s a rare opportunity to get more from a benefit plan without giving anything up.
BrightPath Advantage helps employees save more, stay healthier, and plan better for the future—all through a streamlined, compliant system that doesn’t touch their take-home pay.
Why BrightPath Advantage Is Different?
BrightPath Advantage is not a typical Section 125 plan. It includes Section 125 as a foundation but goes further by:
- Integrating PCMP to support preventative care and wellness tracking
- Leveraging SIMRP to reimburse employees tax-free for out-of-pocket expenses
- Offering fully managed implementation that removes administrative burdens
- Ensuring ongoing compliance with IRS and Department of Labor rules
More than 30,000 employees are already enrolled in BrightPath Advantage. The plan is fully automated, cost-free, and ready to roll out in 30–45 days.
Key Employer Benefits
BrightPath Advantage isn’t just good for employees—it’s a powerful tool for employers too. Here’s why small business owners and HR teams love it:
- $600–$800/year in savings per employee
- No out-of-pocket cost to offer the plan
- Reduced healthcare claims (average of $1,400 over 3 years)
- Increased retention and employee satisfaction
- Immediate bottom-line impact
How It Works in Practice
Step 1: Setup and Consultation
Employers book a quick call to determine eligibility and discuss goals.
Step 2: Turnkey Implementation
The BrightPath team handles everything—from compliance to employee education.
Step 3: Employees Enroll
Within weeks, employees are enjoying new benefits with no reduction in net pay.
Step 4: Ongoing Support & Compliance
BrightPath continues to manage, monitor, and optimize the plan, making life easier for HR teams and payroll departments.
Why This Matters Now?
With rising healthcare costs and increased employee turnover, businesses can no longer afford to ignore benefit innovation. Pre-tax cafeteria plan like BrightPath Advantage not only reduce tax burdens—they build loyalty, improve morale, and strengthen teams.
If you’re a small business owner looking for a sustainable way to offer meaningful employee benefits without new costs, this is your moment.
Final Thoughts
BrightPath Advantage is more than a tax strategy—it’s a tool for building strong, loyal, high-performing teams. By leveraging a Section 125 Cafeteria Plan alongside PCMP and SIMRP, it empowers businesses to offer real benefits, improve employee satisfaction, and protect their margins.
Switch to Section 125 Program Now
Book your 10-minute consultation
Get a free proposal today
Talk with a BrightPath expert
Explore a better way to offer benefits by visiting our website.
