A Section 125 Premium Only Plan lets your employees pay health insurance premiums with pre-tax dollars — cutting FICA taxes for both sides, with zero plan changes required.
A Premium Only Plan is a written Section 125 cafeteria plan document that lets employees redirect premium contributions through payroll before taxes are calculated.
They choose their health, dental, or vision plan as normal — nothing changes for them or your carrier.
Premiums are deducted before federal income tax, Social Security (6.2%), and Medicare (1.45%) are applied.
Employees take home more pay. You pay less FICA on every participating employee, every payroll period.
If you're already paying group health insurance premiums, a POP document is the lowest-effort tax savings available to you.
Often overlooked, but the per-employee savings are identical regardless of company size. Setup pays for itself quickly.
Our plan documents meet IRS requirements out of the box. Annual amendments and nondiscrimination testing guidance included.
White-label POP documents for your book of business. Add a compliant pre-tax layer to every group you service.
A POP review is a natural checkpoint when moving to a new payroll provider. We'll confirm your deductions are set up correctly.
Many employers deduct premiums pre-tax informally — without a written plan, that's a compliance risk. We fix it.
A new plan year is the ideal time to implement or update your Section 125 document. We work fast to meet your timeline.
No complex administration. No changes to your existing benefits. Just a compliant document and a clear setup guide.
$75 flat fee. Fill out your company details, plan year, and premium types online.
Your IRS-compliant POP plan document and employee election forms are prepared within 3–5 business days.
Your plan document is formally adopted by a board resolution or officer signature — we provide the template.
We provide a summary plan description to distribute. Payroll pre-tax deductions begin at your next cycle.
One plan. One price. Everything you need to stay compliant and start saving.
Most employers recover the $75 cost within the first payroll cycle.
Complete your purchase, then fill in your company details. We'll deliver your IRS-compliant document within 3–5 business days.
Contact us at
info@section125pop.com
or call (740) 555-0100
Your payment was successful and your company information has been submitted. Our team will prepare your IRS-compliant plan document and deliver it to within 3–5 business days.
Questions? Email info@section125pop.com or call (740) 555-0100. Reference your company name above.
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