If you’re an employer looking for a better solution than cutting back on benefits—and instead want to save without slicing benefits to the bone—or an employee curious about how to stretch your paycheque further, BrightPath Advantage represents a wiser path. This isn’t a conventional benefits plan. It’s a completely managed, no-fee solution that integrates a Pre-Tax Cafeteria Plan, Preventive Care Management Plan (PCMP), and Self-Insured Medical Reimbursement Plan (SIMRP) into one unified system.
The payoff? Massive Section 125 FICA savings, no effect on take-home pay, and additional benefits workers can actually apply.
What Is BrightPath Advantage?
BrightPath Advantage is a one-of-a-kind benefits solution created exclusively for employers with 30,000 to 40,000+ enrolled workers. It is engineered for high-volume organizations, simplifying sophisticated benefit strategies into one seamless package that provides actual value.
It utilizes Section 125, enabling employees to pay pre-tax for some expenses, but it does much more than that. By combining a compliant SIMRP and PCMP, BrightPath Advantage is one of the most comprehensive and cost-effective alternatives to traditional Section 125 plans available today.
How Does the Plan Work?
Here’s the best part—workers are enrolled without altering their paycheck, benefits, or providers. In the background, the plan uses a pre-tax adjustment that complies with IRS provisions, all thanks to Section 125 integration. These monies are then routed to pay for added supplemental benefits such as telehealth, mental health counseling, and wellness coaching.
Employers lower their payroll tax burdens, and employees receive greater value, without lifting a finger or spending a single dollar.
Why BrightPath Advantage Is Different
Section 125 is used by other programs, but BrightPath Advantage is unique due to its completely managed and integrated format. This is what sets it apart:
- Includes but exceeds a Pre Tax Cafeteria Plan
- Completely integrates PCMP + SIMRP into one compliant system
- Zero out-of-pocket cost for employers or employees
- Requires no plan design changes or benefit disruptions
This solution unlocks immediate savings, enhances employee engagement, and provides health tools that individuals use—such as 24/7 telemedicine and mental health support with no copays.
Employer Wins: Real Savings, Zero Headaches
BrightPath Advantage empowers employers to save costs and boost morale—all without costing the business a dime.
Top Employer Benefits:
- $600–800 per employee in tax savings annually
(That’s ~$68,000 in FICA savings for every 100 W-2 employees)
- No up-front fees or out-of-pocket costs
- Saves $1,400 in health claims on average over 3 years
- Launches in a mere 30–45 days
- Increases retention and performance by creating real value for total compensation
- Bottom-line results are immediately through payroll tax savings
This isn’t a long-term solution that is years down the road to be realized—employers realize savings in the very first payroll cycle.
Employees Benefit Too (And They Don’t Even Notice the Change)
With BrightPath Advantage, your team gets better protection without altering their paycheck or health care provider.
Best Employee Perks:
- $0 copay 24/7 Telehealth (medical doctors, nurse practitioners, life coaches)
- Usage of Mayo Clinic wellness tools and personal health dashboard
- Mental health counseling, addiction therapy, and more
- Universal Life, Disability, and Critical Illness coverage
- Spouse and dependents’ benefits without additional cost
- No reduction in take-home pay—just increased value
It’s everything workers desire in an employee benefit plan—but without the expense or complication they’re accustomed to paying.
Why Section 125 FICA Savings Are Important
A pre tax cafeteria plan allows for certain costs, such as health insurance premiums or supplemental benefits, to be subtracted from an employee’s salary before taxes. This reduces the taxable income of the employee and employer.
But BrightPath Advantage goes even further. By integrating PCMP and SIMRP, it unlocks deeper Section 125 FICA savings, helping companies reduce their share of Medicare and Social Security taxes.
This translates to:
- More sustainable benefits programs
- Lower operating costs
- Stronger retention tools for HR teams
You’re not just checking a compliance box—you’re actively strengthening your financial and people strategy.
BrightPath: The Smarter Path to Benefits
At BrightPath, we think that cutting costs doesn’t mean cutting corners. That’s why we’ve developed a solution that’s:
- Completely compliant
- 100% automated
- Zero cost
- Easy to implement
And designed to enhance your bottom line, as well as employee satisfaction
Tens of thousands of employees are already enrolled in BrightPath Advantage, and more join every day.
Summary of Key Benefits
For Employers:
- Save $600–800 per W-2 per year
- No cost, no disruption
- Fast 30–45 day implementation
- Tax savings + health claim savings
- Improved retention, morale, and productivity
For Employees:
- $0 Telehealth and mental health care
- Mayo Clinic tools through a life dashboard
- Life, disability, and critical illness insurance
- No change in pay or current benefits
- Spouse and dependent coverage is included
Frequently Asked Questions
Is BrightPath Advantage the same as a traditional Section 125 plan?
No. Although it utilizes Section 125, BrightPath Advantage also offers a Preventive Care Management Plan (PCMP) and a Self-Insured Medical Reimbursement Plan (SIMRP)—more robust and cost-effective.
Will employees notice any change in their paycheck?
Not a bit. Employees have no reduction in take-home pay, no alteration to existing benefits, and become eligible for improved services such as 24/7 telehealth and wellness tools.
How soon can the plan be put into effect?
Most organizations can be completely established in 30–45 days, with BrightPath’s team assisting throughout the process.
Is there a minimum company size to become eligible?
BrightPath Advantage is ideally suited for employers with 30,000–40,000+ enrolled employees. If your organization is within that size, you’re probably eligible.
The Next Step Toward Smart, Sustainable Benefits
BrightPath is here to help you cut costs the right way—by adding more value to your team’s benefits instead of taking anything away. If you’re ready to see how a pre-tax cafeteria plan with Section 125 FICA savings can improve your margins, let’s talk.
Book your 10-minute consultation and get a free proposal today!
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