If you’re a business owner who wants to lower payroll taxes without increasing cost or complexity to your company, you’ll be pleased to hear that there’s a solution available. BrightPath Advantage provides a completely managed, completely compliant option that combines a Section 125 flexible benefits plan with a Preventive Care Management Plan (PCMP) and a Self-Insured Medical Reimbursement Plan (SIMRP).
This isn’t your average 125 cafeteria plan benefits. It’s a wiser, more efficient way to provide significant employee benefits while reducing costs and increasing retention. And it involves no changes to your current health insurance.
Let’s walk through how BrightPath Advantage works and why over 30,000 employees already participate in this cost-free program.
What Is a Section 125 Flexible Benefits Plan?
A section 125 flexible benefits plan enables employees to use pre-tax dollars to pay for some qualified benefits. This lowers their taxable income—and, consequently, lowers your payroll tax burden as an employer.
But BrightPath doesn’t stop at just offering a tax-advantaged benefit. BrightPath Advantage leverages the Section 125 flexible benefits plan alongside a PCMP and SIMRP, creating one of the most benefit-rich and compliant programs available in the market today.
Unlike traditional 125 cafeteria plan benefits, this integrated approach delivers a full suite of health and wellness services to employees while cutting employer taxes—all at no cost to your company.
BrightPath Advantage: A Smarter, Compliant, and Cost-Free Solution
BrightPath Advantage combines the strength of a Section 125 flexible benefits plan with two powerful components:
✅ A Preventive Care Management Plan (PCMP)
✅ A Self-Insured Medical Reimbursement Plan (SIMRP)
Together, this trio delivers:
- Significant payroll tax savings
- Reduced healthcare claims
- No disruption to existing health plans
- Enhanced employee wellness and retention
- Zero out-of-pocket cost to the employer
Why Employers Choose BrightPath Advantage
Employers who implement BrightPath Advantage typically save $600–800 per employee per year in payroll taxes. That’s about $68,000 in savings annually for every 100 W-2 employees.
What’s more, implementation is fast—usually completed in just 30 to 45 days. And because the plan is fully managed by BrightPath, there’s no extra burden on your HR or payroll teams.
Here’s what you can expect:
- ~ $680/year in payroll tax savings per W-2 employee
- No upfront or ongoing cost to your company
- 30–45 day implementation with full support
- Automated compliance and payroll integration
- Reduction in healthcare claims (average $1,400 over 3 years)
- Boost in employee performance and retention
This is more than just 125 cafeteria plan benefits. This is the BrightPath Advantage—where smart benefits meet smart business.
What Employees Gain from BrightPath Advantage
BrightPath Advantage isn’t just an employer win—it also delivers tremendous value to your team. Employees see no reduction in take-home pay and gain access to a powerful suite of services and coverage that improves their health, wellness, and peace of mind.
BrightPath Advantage includes:
- $0 copay 24/7 telehealth (doctors, nurses, health coaches)
- Mental health and addiction counseling support
- Mayo Clinic wellness tools and a personalized health dashboard
- Universal Life, Disability, and Critical Illness coverage
- Coverage enhancements for spouses and dependents
- No change to their current insurance or paycheck impact
Your employees get more for less—without lifting a finger or switching doctors.
A Program Built for Retention
Today’s workers expect more from their employers, especially when it comes to benefits. BrightPath Advantage helps you meet that expectation without increasing costs.
By providing practical, meaningful benefits through a fully compliant structure, you’ll:
- Increase employee satisfaction and engagement
- Improve retention rates and workplace morale
- Reduce absenteeism and healthcare claims over time
All of this is possible while cutting employer taxes and offering more value than a traditional Section 125 flexible benefits plan could deliver on its own.
How It Works: Step-by-Step Implementation
BrightPath Advantage was designed to be seamless. Implementation typically takes 30 to 45 days from start to finish, and we handle all the heavy lifting.
Here’s how it works:
Step 1: Strategic Consultation
We evaluate your current benefit setup and identify opportunities for savings.
Step 2: Customized Proposal
You receive a detailed projection of payroll tax savings and benefit enhancements.
Step 3: Employee Enrollment
We manage digital communications, education sessions, and enrollment support.
Step 4: Payroll Integration
We integrate with your payroll provider to manage pre-tax deductions automatically.
Step 5: Go Live & Start Saving
Payroll savings start immediately—no disruption to your current insurance or HR systems.
The BrightPath Difference
BrightPath helps employers take a clearer, smarter route to offering real employee benefits—without the usual complexity, cost, or confusion. Our program is fully managed, compliant, and built to reduce payroll taxes while enhancing retention and morale.
By giving employees added health benefits at no cost and without changing existing coverage, we help businesses lower expenses and build stronger teams at the same time. We’re here to guide companies toward a more sustainable way to care for their people and protect their margins.
BrightPath Advantage goes beyond the basics of a 125 cafeteria plan benefit. It builds a path to better benefits and measurable savings.
Why Now Is the Time to Act
With rising healthcare costs, growing employee expectations, and economic uncertainty, finding ways to improve retention while reducing costs has never been more important. BrightPath Advantage is your opportunity to do both—without risk, upfront cost, or administrative burden.
Thousands of companies are already realizing:
- $68,000+ in tax savings per 100 employees
- $1,400 in healthcare claim reduction per employee (over 3 years)
- Boosted morale, loyalty, and productivity
- A fully managed and compliant benefit solution
More than 30,000 employees are already enrolled. It’s time to see what this program can do for your business.
Final Thoughts: Cut Costs, Not Corners
If you’re ready to reduce payroll taxes, elevate employee benefits, and do it all without spending a dime out of pocket, BrightPath Advantage is your next step.
By integrating a section 125 flexible benefits plan with PCMP and SIMRP, BrightPath delivers a modern approach to workplace benefits—smarter, faster, and built to last.
Book your 10-minute consultation today
