Employee Benefits Cost Savings
for Michigan Businesses
Fresh HR provides specialized employee benefits cost-savings programs for businesses in Mt. Clemens and throughout Michigan. By implementing ACA-compliant wellness solutions and the Employee Health Program (EHP), we help employers reduce FICA tax liability by approximately $600 per employee while boosting wellbeing with no reduction in take-home pay.
Cut Payroll Taxes While Boosting
Employee Wellbeing
Employee Health Program
We know that choosing between your company’s bottom line and your employees’ health is a nightmare no business owner should face. Rising healthcare costs often force impossible decisions, but there is a way to support your team while actually lowering your overhead.
Fresh HR’s Employee Health Program (EHP) is a fully automated, ACA-compliant solution that delivers immediate financial impact—with implementation typically completed within 30–45 days.
Strategic Advantages for Employers
Substantial Tax Reductions: Achieve a net savings of approximately $600 per employee through FICA tax reductions.
Lower Insurance Costs: Realize up to a 30% reduction in Workers’ Comp premiums.
Zero Implementation Cost: Deploy a turnkey wellness solution with no upfront capital required.
Fully ACA-Compliant: Our MEC programs are backed by trusted carriers like ManhattanLife and include full compliance documentation.
High-Value Benefits for Employees
No Reduction in Take-Home Pay: Employees receive enhanced coverage without a smaller paycheck.
24/7 Telehealth Access: Immediate medical support with zero co-pay.
Comprehensive Care: Includes no-deductible doctor visits, preventive care, and personalized health coaching.
Additional Options: Voluntary Dental, Vision, Life, and Hospital Indemnity coverage to strengthen retention.
FAQ: COMMON QUESTIONS ABOUT OUR EMPLOYEE BENEFITS SAVINGS
How do FICA tax reductions work with wellness programs?
By utilizing a Section 125 Cafeteria Plan, certain wellness benefits can be paid on a pre-tax basis. This reduces the employer’s payroll tax liability—typically resulting in a $600 annual savings per participant—while providing employees with robust health tools at no net cost to their take-home pay.
Is the Fresh HR Employee Health Program ACA compliant?
Yes. Our program is a fully compliant Minimum Essential Coverage (MEC) solution. We provide all necessary compliance documentation and a streamlined implementation roadmap to ensure your business meets federal standards in Macomb and Oakland County.
How fast can a business see savings from benefits optimization?
In alignment with our grounded and decisive approach, we typically move from consultation to full automation in 30 to 45 days. The financial impact is immediate once the program is active, with tax savings appearing on your next payroll cycle.
Can these programs help reduce Workers' Comp premiums in Michigan?
By improving the overall health and “wellbeing” of your workforce, you can reduce the frequency and severity of claims. Our EHP participants often see a 30% reduction in their Workers’ Comp premiums, making it a powerful “Trust Hook” for high-risk industries in Southeast Michigan.
Serving Macomb, Oakland, and Wayne County from our Mt. Clemens headquarters