Section 125 ESPA · Fully Compliant · Sponsored by Solinsky Group
What If You Could Save $505 Per Employee
on Payroll Taxes — At No Net Cost?
The ESPA program gives your team better health benefits, unlimited telehealth, and an average of $150 in voluntary coverage — without cutting their take-home pay. You keep the payroll tax savings starting your very first payroll.
*Average savings after all program fees. All figures are estimates. This is not tax advice.
Sponsored by The Solinsky Group
We run your actual census on our call. No obligation. No pressure.
Most business owners assume better benefits mean a bigger bill. ESPA flips that entirely.
Save on Every Payroll — Immediately
Keep an average of $150 per employee per year in payroll tax savings. Not a year-end write-off — real money on your very first payroll after enrollment.
Give Your Team Real Healthcare Access
Unlimited telehealth, mental health, prescriptions, and lab testing — zero copays — for every employee and their entire family. Active from day one.
No Cut in Take-Home Pay
Employees receive ~$150 per month for voluntary benefits like Accident, Critical Illness, Cancer, and Life Insurance — without touching their paycheck.
Keep Your Existing Benefits Exactly As-Is
Your current major medical plan stays in place. ESPA works alongside it — enhancing what you already offer without replacing or disrupting a thing.
Fully Compliant — Done for You
Built on Section 125 with full ERISA compliance. All administrative services are handled so your HR team doesn't carry the load.
Win the Competition for Good People
Attract and retain quality employees with a benefits package that stands out — especially in a tight labor market where every advantage matters.
Three steps and you're saving money by your next payroll.
Book Your Free 20-Minute Presentation
We walk you through the program, show you the tax framework, and run your actual employee census — real numbers, not estimates.
Review Your Custom Savings Analysis
We show you exactly what your business saves and what your employees gain. You make a fully informed decision — no pressure, no rush.
Enroll and Start Saving Immediately
Savings begin on your very first payroll after enrollment. No waiting period. Real money back to your bottom line every single month.
Nine ways ESPA puts real money back into your business and makes you a stronger employer.
$150 avg. employee allotment to be used for new insurance options at no cost to the employee.
Employees gain access to valuable new coverage without any reduction in their take-home pay.
Savings start on your first payroll after enrollment
No waiting. No back-end true-ups. Savings hit your bottom line right away.
Zero net cost after savings
All program fees and premiums are covered by the tax savings generated.
No changes to your existing benefits plan
Your current major medical plan stays exactly as is. ESPA works alongside it.
Reduce absenteeism and turnover
Healthier, supported employees stay longer and miss fewer days.
Stand out in the labor market
Attract quality candidates with a benefits package most employers simply can't offer.
Fully IRS and ERISA compliant
Built on Section 125 and IRS 213(d). We handle compliance — you take the savings.
Administrative services included
We handle the admin work so your HR team doesn't have to.
Enhanced benefits at no additional cost
Reward your team's hard work without adding to your payroll budget.
Every employee and their family gets a full suite of health tools — one app, one login, zero out-of-pocket cost.
Telehealth
24/7 virtual urgent, primary & emergency care — zero copay for the whole family
Mental Health
Unlimited counseling & psychiatric care — no referral, no waitlist
Rx Program
Common prescriptions filled at no cost to employee or their family
Lab Testing
75+ biomarker panel via Quest or LabCorp, reviewed and tracked annually
Vision Care
Prescription renewals and eye care consultations through the app
Voluntary Benefits
~$150/mo for Accident, Cancer, Life & Critical Illness coverage
Live Well USA
Legal, credit monitoring, identity protection & travel — bundled free
Virtual Pet Care
Licensed vets by video — for the four-legged family members too
We hear that every time — and that's exactly why we don't ask you to take our word for it.
Give us 20 minutes and we'll walk you through the program, show you the compliance framework, and calculate your real savings based on your actual employee census. We promise not to waste your time.
20-Minute ESPA Presentation
Pick a time that works for you. We'll walk through the program, answer every question, and show you exactly what your business saves — zero pressure, zero obligation.
20 minutes. No obligation. We run your actual numbers — not ballpark figures.