A Smarter Way to Offer Employee Benefits
In today’s competitive labor market, offering valuable benefits isn’t just a perk—it’s a strategy. Employers are seeking innovative, cost-effective ways to attract and retain top talent while managing rising healthcare costs. One of the most effective solutions? A combination of employee benefits cafeteria plans, and health care savings account (HSAs).
With the BrightPath Advantage program, employers can now offer a smarter, more compliant way to deliver these benefits without complexity or out-of-pocket costs. BrightPath Advantage integrates a Section 125 program with a Preventative Care Management Plan (PCMP) and Self-Insured Medical Reimbursement Plan (SIMRP) to provide one of the most benefit-rich and cost-effective solutions available.
What Is a Cafeteria Plan and How Does It Work?
A cafeteria plan—named for its flexible, “pick-and-choose” benefit structure—allows employees to select from a menu of pre-tax benefits. Under Section 125 of the IRS code, these plans enable employees to pay for eligible expenses like medical premiums, dental, vision, and dependent care using pre-tax dollars.
However, BrightPath Advantage goes far beyond the traditional cafeteria plan. It leverages Section 125 together with a fully managed PCMP and SIMRP, offering a comprehensive tax-advantaged solution that’s both compliant and automated.
Key Advantages of a Pre-Tax Cafeteria Plan:
- Tax savings for employees: Pre-tax deductions reduce taxable income, increasing net take-home pay.
- Payroll tax savings for employers: Employers save ~$680 per employee per year on payroll taxes.
- Flexible benefits options: Employees can customize their benefits based on personal needs.
- No out-of-pocket cost: With BrightPath Advantage, there are no setup or administrative fees for employers.
What Is a Health Savings Account (HSA)?
An HSA is a tax-advantaged account used to save and pay for qualified medical expenses. It’s typically paired with a high-deductible health plan (HDHP). HSAs offer triple tax advantages:
- Contributions are pre-tax.
- Funds grow tax-free.
- Withdrawals for qualified medical expenses are tax-free.
When integrated into a broader strategy like BrightPath Advantage, HSAs can be a powerful tool for employee financial wellness.
Why Combine Cafeteria Plans and HSAs?
When used together, these tools create a more holistic approach to health and financial well-being:
- Greater tax savings: Employees reduce both income and payroll taxes while employers save on FICA.
- Increased participation: When HSAs and pre-tax plans are part of a seamless experience, more employees engage.
- Smarter long-term planning: Employees can build HSA savings year-over-year to prepare for future health costs.
BrightPath Advantage simplifies this process by providing a compliant, fully managed platform that integrates all components—Section 125, PCMP, SIMRP, and HSAs—into a single solution.
How BrightPath Advantage Sets a New Standard?
This isn’t your average Section 125 plan. BrightPath Advantage is designed specifically for mid-sized to large employers who want results without complexity.
How It Works:
- Employees enroll in the BrightPath Advantage program.
- The plan redirects a portion of wages into pre-tax benefits through Section 125.
- The PCMP and SIMRP cover specific preventative and supplemental health services.
- Employers and employees both enjoy immediate tax savings—with no disruption to existing coverage.
More than 30,000 employees are already enrolled in the BrightPath Advantage plan, with hundreds of employers seeing immediate results.
Employer Benefits with BrightPath Advantage
Employers offering BrightPath Advantage experience:
- $600–$800 in savings per employee per year
(~$68,000 per 100 employees) - No out-of-pocket cost to implement
- 30–45 day implementation window
- Reduction in healthcare claims (avg. $1,400 savings over 3 years)
- Boosted employee retention and engagement
- Immediate impact on the bottom line
This is not just about benefits—it’s about strategic, measurable cost reduction and culture-building.
Employee Benefits with BrightPath Advantage
Employees receive:
- No change in take-home pay
- $0 copay 24/7 Telehealth access (doctors, nurses, wellness coaching)
- Mental health, addiction support, and counseling
- Mayo Clinic tools and personalized health dashboards
- Universal Life, Critical Illness, and Disability coverage
- Expanded benefits for spouses and dependents
These benefits make a real difference in employees’ daily lives—without asking them to pay more or change their current healthcare providers.
Why Employers Can’t Afford to Wait?
If you’re not offering a cafeteria plan or HSA—or if you’re offering them separately—your business might be missing out on major savings. Traditional benefits structures are often outdated, complex, and expensive.
BrightPath Advantage changes that. It’s:
- Fully compliant
- Fully managed
- Turnkey and fast to deploy
- Trusted by thousands of employees
In less than two months, you can transform your benefits package into a powerful recruiting, retention, and savings engine.
Build a Healthier, More Loyal Workforce
BrightPath Advantage isn’t just a plan—it’s a path toward building a family-first, loyalty-driven workplace culture. Employees feel valued. Employers reduce costs. And the entire process is streamlined, automated, and backed by compliance expertise.
BrightPath helps employers take a clearer, smarter route to offering a real employee benefits cafeteria plan—without the usual complexity, cost, or confusion.
Whether you’re a CFO looking to optimize margins or an HR leader focused on engagement, BrightPath Advantage is the solution that delivers on both fronts.
Ready to Learn More?
Book a 10-minute consultation to discover how BrightPath Advantage can help your organization:
- Reduce tax burdens
- Provide better employee care
- Improve retention and morale
- Lower healthcare-related costs
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