Business Tax Strategy · ProfitGuard Plus
What ProfitGuard Plus Costs
and What It Saves
Owners want two numbers: what it costs and what it saves. Here they are, with the math shown. The short version is that it is not a new cost, and the value is about $2,000 per employee per year once you count what the business keeps and what the team receives.
Quick answer
- ProfitGuard Plus is worth about $2,000 per employee per year in combined value.
- About $600 of that is employer payroll tax savings. Employers save about $500 to $600 per employee per year in FICA, every payroll, going forward.
- About $1,400 of that is preventive care benefits for the employee: telehealth, mental health support, care navigation, and chronic condition support.
- Each participating employee also takes home about $40 to $80 more per paycheck, with no change to gross pay.
- It is not a new line on the budget. The value comes out of payroll taxes the business already pays.
- For 25 participating employees, that is about $15,000 in payroll tax savings and about $50,000 in combined value a year.
- For 100 participating employees, that is about $60,000 in payroll tax savings and about $200,000 in combined value a year.
- Your exact number depends on your payroll, participation, and state and local tax. We run it for you.
in combined value per employee, per year
About $600 in employer payroll tax savings plus about $1,400 in preventive care benefits for the employee. Your exact number depends on your payroll, participation, and state and local tax.
The stack, one layer at a time
About $600 per employee: what the business keeps
Employers save about $500 to $600 per employee per year in FICA. It is not a one-time credit. It repeats every payroll, going forward.
About $1,400 per employee: what the team receives
Free preventive care benefits for each participating employee: telehealth, mental health support, care navigation, and chronic condition support. These stack on top of the medical, dental, vision, and retirement benefits you already offer.
About $2,000 per employee: the combined value
Add the two and you get the number we quote. Both halves are real. One lands on your books and one lands on your people.
The employee side of the paycheck
Gross pay does not change for anyone. Because of how the structure works, each participating employee takes home about $40 to $80 more per paycheck. So the team gets a raise in take-home pay and free preventive care at the same time, and you did not add a dollar to gross compensation.
Not a new line on the budget
This is the part owners find hardest to believe, so we will say it plainly. ProfitGuard Plus is not a new expense you add to the budget. The value comes out of payroll taxes you already pay, using long-standing IRS code. Gross compensation stays the same. Nothing you offer today goes away. The only number that drops is your FICA bill.
Two worked examples
Same per-employee figures, two team sizes. Round numbers on purpose. Your exact number depends on your payroll, participation, and state and local tax.
25 participating employees
$50,000
in combined value, every year
- $15,000 back to the business in payroll tax savings (25 × about $600)
- $35,000 in preventive care benefits for the team (25 × about $1,400)
- Each participating employee takes home about $40 to $80 more per paycheck
100 participating employees
$200,000
in combined value, every year
- $60,000 back to the business in payroll tax savings (100 × about $600)
- $140,000 in preventive care benefits for the team (100 × about $1,400)
- Each participating employee takes home about $40 to $80 more per paycheck
Notice that neither example includes a cost line. That is the point. Whether the fit is 25 people or 100, the question is how many of your full-time W-2 employees clear the two gates.
Get your exact number
The estimator on our homepage shows your combined value the moment you enter a headcount, before you give us a single detail. When you want the exact figure, we model your payroll and walk you through it, and we loop in your CPA on the specifics. Everything else about the plan is in the ProfitGuard Plus Education Center and on the ProfitGuard Plus page.
Frequently asked questions
How much does ProfitGuard Plus save an employer?
About $500 to $600 per employee per year in employer FICA. The saving repeats every payroll, going forward. On top of that, each participating employee gets about $1,400 a year in preventive care benefits, which brings the combined value to about $2,000 per employee per year.
What does it cost the business?
It is not a new line on the budget. Gross compensation stays exactly the same, and the value comes out of payroll taxes the business already pays. The only number that drops is the employer's FICA bill.
What does the employee get?
About $40 to $80 more per paycheck in take-home pay, with no change to gross pay, plus free preventive care: telehealth, mental health support, care navigation, and chronic condition support. Their existing medical, dental, vision, and retirement benefits stay in place.
What is a 25-employee business looking at?
Using about $600 in payroll tax savings and about $1,400 in benefits per employee, 25 participating employees comes to about $15,000 back to the business and about $35,000 in benefits for the team, or about $50,000 in combined value a year. Your exact number depends on your payroll.
What about 100 employees?
Same math at scale: about $60,000 back to the business in payroll tax savings, about $140,000 in benefits for the team, and about $200,000 in combined value a year. The saving repeats every payroll going forward.
Why do you quote the combined number instead of just the tax savings?
Because both halves are real and both land on your team. The $600 is what the business keeps. The $1,400 is care your employees receive. Quoting only the tax side undersells what the plan does for the people on your payroll.
This is education, not tax or legal advice. Actual savings vary by payroll structure, participation, and state and local tax. Talk to your CPA about your specifics before you decide. ProfitGuard Plus is a marketing name for a structure built on IRS code sections 125, 106(a), 105, and 213(d).
See your ProfitGuard Plus number
Enter your W-2 headcount and see the combined value first. Then we'll run your exact numbers. You can also read the full walkthrough on the ProfitGuard Plus page or call +1 (586) 899-1003.
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