Corporate Financial Strategy
Maximize Payroll Efficiency With IRS-Aligned Section 125 & 105 Integration
Employers lose millions annually through FICA overpayment. WIMPER helps you evaluate compliant strategies to recover those dollars.
Why Employers Choose WIMPER
- Eliminate 7.65% employer FICA tax on qualifying contributions
- Increase employee take-home pay via pre-tax structuring
- Deliver $1,800+ supplemental benefits at no net cost
- Integrate preventive care services into your benefits stack
- Improve P&L efficiency without disrupting major medical
Built on a Rigid Compliance Foundation
IRC §125 Cafeteria Plan
Pre-tax salary reduction for qualified benefits. Employees elect coverage before the plan year, reducing taxable wages for both employer and employee.
IRC §105(b) Self-Insured Medical Reimbursement
Employer-funded SIMRP covering §213(d) medical expenses. Reimbursements are excludable from gross income when properly structured.
IRC §213(d) Qualifying Expenses
Only IRS-defined medical care expenses qualify. WIMPER does not reimburse non-qualifying expenses, fixed indemnity payments, or taxable cash.
FICA Savings Calculator
4-Stage Execution Protocol
Predictive FICA Modeling
We analyze your current payroll data to project exact FICA recovery based on your employee count and participation estimates.
SIMRP & 213(d) Structuring
Plan documents are structured to meet IRS requirements for Section 125 cafeteria plans and Section 105(b) self-insured medical reimbursement.
Mock Payroll Integration
A test payroll cycle validates the integration before go-live, ensuring proper deduction coding and reporting.
Compliance Concierge
Ongoing support includes a Digital Compliance Vault with all plan documents, nondiscrimination testing, and annual reporting assistance.
Start with an Employer Savings Diagnostic
Matt screens the employer fit using aggregate facts first. If the opportunity is credible, Brandon coordinates the employer, adviser, payroll provider, program parties, paperwork, and procedures through implementation.