If you’re an employer who’s heard about Section 125 cafeteria plans but haven’t taken the leap yet, it’s time to ask yourself why. The traditional approach to benefits is outdated, expensive, complicated, and lacking in flexibility. Today’s workforce expects more, and frankly, they deserve more.
At BrightPath, we’ve reimagined what benefits can be. Our flagship program, the BrightPath Advantage, leverages a Section 125 cafeteria plan—but that’s only the beginning. We’ve combined it with a fully managed Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP) to create one of the most compliant, automated, and benefit-rich programs available today.
So if you’re still wondering whether this is the right move, let’s explore exactly what you’re missing—and how BrightPath Advantage makes it easier than ever to start.
What is a Section 125 Cafeteria Plan?
Let’s clarify first: Our plan includes Section 125, but it’s not your standard cafeteria plan.
A Section 125 cafeteria plan allows employees to choose between taxable income and qualified, pre-tax benefits. It reduces taxable employee benefits, which means lower payroll taxes for employers and more take-home pay for employees. But unlike traditional Section 125 plans, BrightPath Advantage brings much more to the table.
We’ve taken the compliance power of Section 125 and integrated it with PCMP and SIMRP to build something far more effective, fully managed, and easier to implement.
Why the BrightPath Advantage Is Different and Better?
BrightPath Advantage isn’t just another benefits platform. It’s a turnkey solution that simplifies employee care while saving employers thousands, without increasing budgets or disrupting existing health coverage.
Our platform includes:
Section 125 Cafeteria Plan
- Built to reduce tax liability for both employers and employees.
Preventative Care Management Plan (PCMP)
- Helps reduce claims by emphasizing wellness and prevention.
Self Insured Medical Reimbursement Plan (SIMRP)
- Adds extra layers of value, such as tax-free reimbursement for qualified medical services.
- It’s not just compliant—it’s powerful, hands-free, and loaded with value.
Employer Benefits of BrightPath Advantage
Wondering what’s in it for you as an employer? Here’s what BrightPath Advantage delivers:
Immediate Tax Savings
- Save $600–$800 per employee per year.
- That’s up to $68,000 annually per 100 employees just in tax savings.
Zero Out-of-Pocket Cost
- You read that right—there’s no cost to implement BrightPath Advantage.
Improved Employee Performance & Retention
- Offering stronger benefits improves morale and loyalty, keeping turnover low and productivity high.
Fast, Seamless Rollout
- Less than 45 days implementation. Our team handles the heavy lifting so your HR staff doesn’t have to.
Long-Term Healthcare Claim Reduction
- Employers report $1,400+ in healthcare claim savings over 3 years on average.
Real Results
- More than 30,000 employees are already enrolled and benefiting from BrightPath Advantage.
Employee Benefits of BrightPath Advantage
- You’re not just saving money—you’re giving your people a better experience.
No Change in Take-Home Pay
- Employees keep their same net pay, even while gaining more benefits.
$0 Copay for 24/7 Telehealth
- Unlimited access to doctors, nurses, and wellness coaches—anytime, anywhere.
Support for Mental Health, Addiction, and Counseling
- Critical services are built in to support emotional and mental wellness.
Mayo Clinic Tools & Wellness Dashboard
- Employees gain access to top-tier health tools and trackers to manage their well-being proactively.
Supplemental Plan Coverage
- Universal Life, Disability, and Critical Illness Plan
- Spouse & dependent enhancements available for full-family coverage.
All these benefits come at no extra cost to the employee or the employer.
Still Using Traditional Benefits? Here’s What You’re Missing
If your company is still relying on conventional plans without tax-advantaged layers or digital automation, you’re likely overpaying—and underdelivering.
Here’s what traditional plans don’t offer:
- No PCMP to manage wellness and reduce long-term healthcare costs.
- No SIMRP to reimburse employees for everyday medical expenses.
- No automation, which means more administrative work and compliance risk.
- No built-in telehealth, mental health, or Mayo Clinic tools.
Your competitors may already be offering these kinds of enhanced, cost-neutral benefits—and using them to attract your top talent.
The BrightPath Advantage Is the Smartest Path Forward
At BrightPath, we believe that real care starts with smarter benefits. Our mission is to guide employers toward a more sustainable way to protect their margins and care for their people.
With BrightPath Advantage, you can:
- Offer richer benefits at zero cost
- Improve employee satisfaction and retention
- Save thousands in payroll taxes annually
- Simplify your HR workload with a fully managed system
Real-World Impact: BrightPath in Action
One of our mid-sized clients implemented BrightPath Advantage across a 200-employee team. Within 30 days:
- They began saving $136,000/year in payroll taxes
- Employee engagement increased (measured via surveys)
- HR reported fewer questions and admin headaches
- 95% of employees enrolled voluntarily
These aren’t hypotheticals—they’re happening now, across industries and company sizes.
Let’s Recap
You haven’t started a Section 125 cafeteria plan yet? Let’s correct that—but with something more powerful than you imagined.
BrightPath Advantage includes:
- Section 125 + PCMP + SIMRP = a triple benefit layer
- Employer savings of $600–$800/year per W2
- No upfront cost
- Full employee coverage, mental health support, and $0 telehealth
- All fully managed for you
It’s not just a plan—it’s a smarter route to care, culture, and cost savings.
Ready to Offer Better Benefits Without Spending More?
Let’s talk about how BrightPath Advantage can help you unlock tax savings, improve employee well-being, and boost your bottom line—all in less than 45 days.
Book your 10-minute consultation today
Let’s get you started with a free proposal and see how much you could be saving.
Talk with an expert now.
