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Save on FICA Taxes & Offer Better Benefits All at No Net Cost
Introducing SIMERP + AYG Wellness
A fully compliant solution that can save you up to $630 per employee, reduce workers’ comp costs by up to 30%, and boost morale.
SIMERP Roadmap
Introducing a program that saves employers money on FICA taxes, supports employees with robust benefits, and pays for itself.
Program Setup
Signed documents lead to simple payroll instructions.
Payroll Savings
FICA savings realized each payroll run.
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Census & Contract
Client submits employee census potential tax savings & wellness reserve amounts are identified.
Program Launch
Employer announces the benefit, employees enroll.
Plan Administration
AYG Wellness fees are paid monthly via ACH from tax savings; no net cost to employer.
Sample Paycheck
How SIMERP is a No-Net-Cost Program
Here’s how an employee’s paycheck looks before and after enrolling
Federal Withholding
Total Taxes
$259.78
$575.60
$168.13
$372.52
Category
Current
With Wellness
Gross Monthly Pay
$3,458
$3,458
Taxable Income
State Withholding
Social Security
Medicare
-
$3,458
$51.29
$214.39
$50.14
$2,238
$33.19
$138.75
$3,458
$1,220
$203.08
-
Wellness After-Tax
$2,882.40
$2,882.40 ✅
Net Take-Home Pay
Wellness Program (Pre-Tax)
What is SIMERP + AYG Wellness?
SIMERP + AYG Wellness is a self-insured medical expense reimbursement program combined with a comprehensive wellness platform. We leverage IRS and ACA regulations to fund employee benefits tax-free, at no net cost.
SIMERP Document
Reimburse that premium from payroll tax savings.
Preventative Care Management Plan
– Ensures 213(d)-compliant benefits& robust health support.
One-Touch Healthcare Support
With a single click, employees can schedule appointments, ask billing questions, find specialists, and more—ensuring they get the best care at the lowest cost.
$150 Monthly
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Benefit Reserve
Funded entirely by payroll tax savings, employees can choose from Short-Term Disability, Critical Illness with Cancer, Hospital Indemnity, Accident, or Life Insurance—all without reducing net pay.
Simple Implementation & Clear Proposals
Step 01
Provide us your employee census
Step 02
Receive a custom proposal showing each employee’s monthly allotment, net cost (zero!), and the employer’s annual payroll tax savings
Step 03
​We handle the plan setup, integration, and ongoing “white glove” admin—so you can focus on running your business.
Ready to Lower Your Healthcare Costs?
Get a free cost-savings analysis based on your employee census.
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fully compliant program that helps employers save on FICA taxes while enhancing employee benefits—all at no net cost.
Quick Links
Contact info
info@add email.com
Social
Phone
+ 1 6800-2127
Address
Your Address
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