As today’s workforce becomes more benefits-conscious and cost-sensitive, employers are under increasing pressure to provide better perks—without busting their budgets. That’s where BrightPath Advantage comes in. It’s not just a standard Section 125 cafeteria plan. It’s a fully managed, automated, and compliant solution that merges a Section 125 structure with a Preventative Care Management Plan (PCMP) and a Self-Insured Medical Reimbursement Plan (SIMRP).
The result? One of the most benefit-rich, tax-efficient, and employee-friendly offerings available in the market—backed by Bright Path, a leader in cost-effective workforce solutions.
Let’s break down the top 5 key advantages of the Section 125 benefits offered through the BrightPath Advantage program.
1. Immediate Tax Savings for Employers—With Zero Out-of-Pocket Costs
Every dollar counts, especially when you’re running a business. That’s why one of the biggest wins of BrightPath Advantage is how much employers can save right away, without paying anything upfront.
BrightPath Advantage helps employers save an average of $680 per W2 employee per year. That adds up to $68,000 in savings per 100 employees. These savings come directly from reduced payroll taxes, thanks to how the plan leverages Section 125 alongside SIMRP and PCMP.
Key employer benefits:
- ~$680/year saved per W2 employee
- $0 out-of-pocket implementation
- Reduced healthcare claims (avg. $1,400 savings over 3 years)
- 30–45 day rollout
- Enhanced retention and performance
For employers seeking a compliant Section 125 alternative, BrightPath Advantage is a smarter, leaner path forward.
2. Employees Get More—Without Changing Their Take-Home Pay
What sets BrightPath Advantage apart from a traditional Section 125 cafeteria plan is that it gives employees access to valuable benefits without reducing their paycheck.
More than 30,000 employees have already enrolled in the program—and for good reason. Through the integrated SIMRP and PCMP, employees receive a robust suite of wellness and insurance perks without any out-of-pocket cost or change in their current salary.
What employees receive under BrightPath Advantage:
- $0 copay 24/7 telehealth (talk to doctors, nurses, or wellness coaches anytime)
- Mental health support, addiction counseling, and emotional wellness services
- Mayo Clinic tools and a personal health dashboard
- Critical illness, disability, and universal life insurance
- Family-focused coverage for spouses and dependents
All of this comes with no reduction in take-home pay—a unique feature not typically available with standard Section 125 benefits.
3. Fully Compliant, Fully Managed, and Worry-Free
BrightPath Advantage isn’t a plan you need to figure out on your own. It’s fully managed from start to finish, so HR teams and business owners aren’t left handling paperwork, legal reviews, or IRS compliance issues.
Unlike basic cafeteria plans that just shelter a few pre-tax expenses, BrightPath Advantage layers in a compliant PCMP and SIMRP, delivering more protection, value, and regulatory peace of mind.
Compliance & management features:
- Seamless automation
- No legal or accounting overhead for your team
- End-to-end support from Bright Path experts
- Audited and designed to meet all federal requirements
In today’s world of increasing scrutiny on benefits administration, having a compliant and professionally managed plan is non-negotiable. BrightPath makes it easy.
4. Improved Retention, Morale, and Performance
Employee benefits aren’t just about health—they’re about retention and workplace satisfaction. And employees who feel cared for stay longer and perform better.
By offering zero-cost access to essential health services, financial protection, and well-being resources, BrightPath Advantage gives employees meaningful support. It reduces absenteeism, boosts morale, and creates a sense of loyalty and appreciation.
How BrightPath Advantage supports retention:
- Employees experience tangible health and financial benefits
- Coverage extends to family members—an emotional plus for many
- Wellness tools from Mayo Clinic help them stay healthy and productive
- Reduced out-of-pocket expenses means less financial stress
- No disruption to existing insurance or paycheck
In short, BrightPath Advantage helps you become an employer of choice—without breaking the bank.
5. Fast, Frictionless Implementation in 30–45 Days
Some benefits programs drag on for months before they’re up and running. Not BrightPath Advantage. With a streamlined, automated process, your organization can implement this program in as little as 30 days.
That means you start saving—and your team starts benefiting—right away.
Rollout benefits include:
- No delay in employee perks or employer savings
- Minimal disruption to operations
- Training and onboarding provided
- Automated tracking and compliance built in
Bright Path is here to guide you through every step of the process, helping you deploy smarter, more efficient benefits—without the usual headaches.
Why BrightPath Advantage Is Different from a Traditional Section 125 Cafeteria Plan
It’s worth reiterating—this isn’t your typical cafeteria plan. While the BrightPath Advantage includes a Section 125 structure, it expands on it in three major ways:
Preventative Care Management Plan (PCMP):
- Encourages early detection and proactive health management, improving outcomes and lowering claims.
- Self-Insured Medical Reimbursement Plan (SIMRP):
- Provides non-insured health reimbursements in a tax-advantaged manner.
Section 125 Tax Leverage:
Enables payroll deductions and benefits that reduce taxable income—for both employers and employees.
Together, these three components form a fully integrated, fully compliant, and fully optimized solution for today’s modern workplace.
Frequently Asked Questions
What makes the BrightPath Advantage different from a standard Section 125 cafeteria plan?
The BrightPath Advantage isn’t just a Section 125 cafeteria plan—it leverages Section 125 alongside a fully managed Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP). This powerful integration creates a more compliant, benefit-rich, and cost-effective program for both employers and employees, all with no out-of-pocket costs.
Will this plan reduce my employees’ take-home pay?
No, not at all. Employees enrolled in the BrightPath Advantage experience no change in their take-home pay. In fact, they gain access to enhanced health benefits, including $0 copay telehealth, Mayo Clinic wellness tools, and mental health support, without sacrificing any part of their paycheck.
How much can my company save with the BrightPath Advantage?
Employers can save between $600–800 per employee annually, with an average savings of $680 per W-2. That’s $68,000 in savings for every 100 employees—all without making changes to your current health coverage or benefits structure.
How long does it take to implement the BrightPath Advantage plan?
The BrightPath Advantage is designed for quick, hassle-free implementation, with full rollout typically completed in 30 to 45 days. Our team handles everything—from compliance to employee onboarding—so you can focus on your business while we deliver meaningful benefits and tax savings.
Final Thoughts: Choose a Smarter Path Forward
At Bright Path, we believe in offering meaningful benefits that work—for everyone. With BrightPath Advantage, we help employers reduce costs and improve retention without complexity or confusion. We give employees real, everyday health support at no extra cost.
If you’re looking for a compliant, cost-free Section 125 benefits solution that goes above and beyond, BrightPath Advantage is your answer.
More than 30,000 employees are already enrolled—and your team could be next.
Ready to unlock smarter benefits?
Book your 10-minute consultation