Your Payroll Is Hiding Thousands in Recoverable Savings.
Coastel Advisory Partners helps employers reduce FICA tax liability and deliver real employee wellness benefits — at no cost to implement, with zero disruption to existing health coverage.
What Employers Can Expect
What Employees Can Expect
HIPAA & ERISA Compliant · No existing plan changes required
Rising healthcare costs — with no end in sight.
Year after year, employer-sponsored health insurance premiums climb faster than inflation, faster than wages, and faster than revenue. For most businesses, it’s no longer a benefits question — it’s a survival question.
After payroll, health insurance is one of the biggest expenses for small businesses, and the latest data shows that these costs are accelerating at a pace that is simply unsustainable.
The Problem
Most Employers Are Overpaying. Every Single Payroll Cycle.
Every W-2 employee on your payroll generates FICA tax liability — 7.65% on every taxable dollar, paid by both you and your employee. Most employers have never been shown a legal, fully-compliant path to reduce that exposure. That changes here.
Excess FICA Exposure
At 7.65% on every taxable payroll dollar, a 100-person company can carry $60,000+ in preventable annual tax liability.
Benefits That Don't Deliver
Employees want accessible mental health support, virtual care, and wellness resources. Most benefit packages don't provide it affordably.
Advisors With the Wrong Focus
Traditional CPAs and benefits brokers rarely surface strategies like SIMRP. It requires a specialist whose singular focus is payroll-level cost reduction.
The Process
Three Steps to Measurable Savings.
Simple by design. From first conversation to active savings — here is exactly what to expect.
Step One
Free Savings Analysis
We review your current payroll structure and W-2 headcount. Within 48 hours, we deliver a precise estimate of your annual savings potential — at zero cost and zero obligation.
Step Two
Turnkey Setup
We implement your IRS-compliant SIMRP under Section 125 with complete documentation, employee enrollment materials, and compliance filings. Your existing health plan is untouched.
Step Three
Ongoing Savings & Benefits
Savings begin with the next payroll cycle. Employees access real wellness services at $0 out-of-pocket. Your FICA liability decreases with every payroll run thereafter.
The Preventative Care Program & SIMRP
A Smarter Employee Benefit That Reduces Your Tax Burden.
Our Preventative Care Program is delivered through a fully IRS-compliant Self-Insured Medical Reimbursement Program (SIMRP). Employees make a modest pre-tax salary reduction under Section 125 — then receive tax-free reimbursements for wellness services they actively use.
The result: lower taxable payroll, lower FICA taxes for both employer and employee, and a meaningful health benefit your workforce will actually engage with.
No change to existing health insurance — Sits alongside your current plan
Employee take-home pay is preserved — In fact, most employees typically see a modest increase in take-home pay due to their own FICA tax reduction.
FICA savings benefit both parties — Employer and employee share the reduction
Full IRS audit-ready documentation — Compliance support included at no additional cost
Workers' comp premiums may decrease — Calculated on taxable payroll, which is now lower
What Employees Receive Through the Preventative Care Program
Virtual Primary Care
Mental Health & Wellness Coaching
Nutrition & Weight Management
Fitness Coaching & Movement Plans
Sleep & Recovery Support
AI-Powered Mental Fitness Tools
Chronic Disease & Preventive Care
All services delivered at $0 out-of-pocket to enrolled employees
Eligibility Requirement
Eligible businesses have 10 or more W-2 employees.
Real Numbers
The Savings Speak for Themselves.
Based on typical SIMRP outcomes across comparable businesses.
Per W-2 Employee
50-Employee Company
500-Employee Company
Your exact number depends on headcount and payroll structure. We calculate it for you — free, no obligation.
Find My SavingsWhy Coastel Advisory
We Identify and Deliver Measurable Cost Savings.
Your accountant ensures compliance. Your broker manages plan design. Coastel Advisory focuses exclusively on finding the tax savings embedded in your existing payroll structure.
Authorized Program Partner
As a dedicated program partner, we bring direct access to the compliance team, implementation support, and IRS-ready documentation. Specialized focus. Proven process.
No Risk to Explore
Our savings analysis is free and non-binding. We show you the exact dollars available to your business before you commit to a single thing. The analysis costs nothing. The decision is yours.
Turnkey Implementation
We manage the complete setup — Section 125 plan documentation, employee enrollment, compliance filings, and ongoing advisory support. Your internal team's involvement is minimal by design.
Built for Employers
We understand the pressures small and mid-sized employers face across every industry and state. We operate where business strategy meets measurable results.
Common Questions
Straightforward Answers.
No. the SIMRP operates entirely alongside your existing health insurance. There are no carrier changes, no plan modifications, and no disruption to your employees' current coverage.
No. Employees make a modest pre-tax salary reduction, but they receive an equal tax-free reimbursement for wellness services they use. Net take-home pay is preserved — and many employees see a modest increase due to their own FICA reduction.
Yes. The SIMRP is fully IRS-compliant, structured under Sections 105, 106, 125, and 213(d), and meets all HIPAA and ERISA requirements. Complete IRS-ready documentation is provided, and The program's Compliance Concierge team supports any audit or regulatory inquiry.
The program requires a minimum of 10 W-2 employees. There is no upper limit — the program scales with your workforce.
Most businesses are fully enrolled within a few weeks. Savings begin with the first full payroll cycle after implementation. The process is handled almost entirely by our team — your HR department's time commitment is minimal.
The savings analysis is free. The program is structured so that implementation costs are covered by the tax savings generated. There is no upfront fee and no out-of-pocket cost to get started.
Many brokers do, in fact, offer programs like this to their clients, and those that do should be commended. However, because our Preventative Care Program reduces reliance on primary insurance plans, premiums can decrease over time. For commission-based brokers, that reduction in premium directly impacts their compensation. It’s not always an intentional omission, but it is a structural one. Our focus is singular: reducing your payroll tax liability and improving employee benefits — full stop. We have no incentive to steer you away from savings.
No — and this is one of the most common misconceptions. Because our program operates independently of your existing health insurance plan, it is not tied to open enrollment windows. You can get started at any point during the year and begin generating savings with your very next payroll cycle. There is no reason to wait.
Get Started
Find Out Exactly How Much Your Business Can Save.
Our free analysis takes less than 10 minutes of your time and delivers a clear, no-obligation picture of the savings available to your business. Based on your profile, we identify the strongest path forward.
Free, no-obligation analysis
We calculate your savings potential before requesting any commitment.
Response within 24–48 hours
A Coastel advisor will follow up promptly with your personalized estimate.
No personal advisor information
Your inquiry goes directly to our advisory team at Coastel Advisory Partners.
You're All Set.
Thank you for reaching out. A Coastel advisor will review your information and be in touch within 24–48 hours with your personalized savings estimate.