Increase employee take-home pay—without increasing payroll costs.
Reduce Payroll Taxes Without Changing Your Benefits
Every payroll cycle, employers pay FICA taxes on 100% of taxable wages.
What most organizations don’t realize is that there are compliant strategies available to reduce that burden—without cutting benefits or increasing costs.
Ridgeline Benefits Group helps identify and implement those opportunities.
A Smarter Payroll Strategy—Not a Replacement Plan
$0 out-of-pocket access to common everyday care employees use most
24/7 virtual care available for employees and their household members
No additional cost to the employer—supported through payroll tax efficiency
Around-the-clock virtual care for employees and their families
No added expense to your business—structured through payroll tax savings
Better Benefits for Your Employees. Smarter Economics for Your Business.
Starting today, employers can reduce FICA payroll tax liability and protect their bottom line—while increasing employee take-home pay and enhancing benefits.
Ridgeline Benefits Group implements a compliant, fully managed payroll strategy that integrates with your existing benefits. No plan changes. No added costs. No additional workload—just a more efficient way to structure payroll and eliminate unnecessary tax spend.
Why It Matters to Employers
Immediate Impact on Your Bottom Line
Fully managed compliance backed by a structured legal framework
Aligned with HIPAA, ERISA, ADA, and IRS guidelines
Immediate payroll tax savings that improve your bottom line
Lowers Medical Premiums with Less Medical, Prescription & TeleMed Claims on Primary Insurance
Reduces Sick Callouts & Lost Productivity
Reduces Burden on HR Department
Increases Employee Productivity
Supplements Existing Insurance Without Disruption
Employees Don't Need to Miss Regular Work Hours to See Doctors
Increased Employee Retention via a Strong Benefits Offering
Easy to Implement
Why It Matters to Employees
Immediate Impact on Your Bottom Line
1000 + No-Cost Prescriptions
24/7 Virtual Urgent & Primary Care
Mental Health, Marriage, Finance Counseling
Weight Management & Smoking Cessation Programs
Fitness & Nutrition Tools
Tax Savings (increases $ brought home)
Member + 5 Dependents Covered
No Out Of Pocket Cost, No Co-Pays, or Deductibles
Nationwide Coverage
Full range of mental health services including depression, anxiety & marriage counseling via individual & group sessions
Finance, weight management, smoking cessation counseling, fitness & nutrition tools
See how payroll tax savings are calculated
Are You Overpaying Payroll Taxes?
Enter your number of employees to estimate potential annual savings.
Compliance is the foundation of every Ridgeline Benefits Group strategy.
Compliance is the foundation of every Ridgeline Benefits Group strategy. Our approach is structured in alignment with Section 125 cafeteria plan regulations outlined by the IRS, as well as applicable requirements under the Affordable Care Act (ACA), HIPAA, ERISA, and standards from the Department of Labor, ensuring employers can implement with confidence.
Trusted by thousands of employers, CPAs, and auditors—ensuring peace of mind with zero compliance surprises.
Built for Employers. Driven by Financial Efficiency.
We help organizations reduce payroll tax liability, strengthen their benefits offering, and improve employee take-home pay—without increasing costs or adding administrative burden. Many employers uncover meaningful annual tax savings per W-2 employee while enhancing their benefits from day one.
Onboarding Process
From first conversation to “go live” in as little as 30–45 days—with minimal lift from your team
Frequently Asked Questions
What kind of program is this?
This is a fully managed, pre-tax employee benefits solution that helps businesses offer additional health and wellness coverage—while reducing payroll tax expenses. It’s built to work alongside your current benefits plan and doesn’t require any out-of-pocket costs.
How does it save my company money?
The program uses a compliant tax structure to reduce the employer’s payroll tax liability. Most companies save between $600–$1,100 per participating W-2 employee annually—without changing pay or benefits.
How long does it take to get started?
Most companies are fully set up within 30–60 days. Our team handles the full implementation process—including employee onboarding, payroll coordination, compliance, and support.
Do we need to change our existing insurance or benefits setup?
No. The program is layered on top of your existing health benefits and integrates directly with payroll. There’s no disruption to your current plan or any added complexity for your HR or finance teams.
Is this compliant with IRS and healthcare regulations?
Yes. The program is built around IRS Sections 125 and 105, includes 213(d)-qualified benefits, and follows all applicable ACA, HIPAA, and DOL guidelines. It has been reviewed and supported by multiple legal and tax experts.
What’s the difference between the plans you offer?
We offer two pre-vetted plan options with slightly different benefits and savings. One is focused on increasing employee take-home pay, while the other offers more extensive healthcare coverage and higher employer savings. We’ll help you choose the one that fits your business best.
What kind of companies qualify?
Most U.S.-based companies with at least 10 full-time W-2 employees are eligible. The program works across industries, and participation is flexible based on your team's structure.
Book a 15-minute
Discovery Call
Discover How You Can Save $600-$1,100 Per Employee Annually, Reduce Payroll Taxes, and Offer Employees Better Benefits at No Cost.
Explore Section 125 resources
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