Ignite a Smarter Health Plan
for Your Business
The Ignite Plan: IRS-Approved FICA Reduction Under Section 125
The Ignite Plan restructures how employee benefits are delivered — shifting a portion of compensation through an IRS-approved Section 125 Cafeteria Plan. The result: reduced taxable wages, lower FICA obligations, and real savings that flow straight to your bottom line.
This is not a loophole. It's the same tax strategy used by Fortune 500 companies for decades — now available to businesses with as few as 20 employees.
Built for Service Industry Employers
The Ignite Plan is purpose-built for service-based companies — especially those with hourly or uninsured workers who deserve better benefits without breaking the employer's budget.
Not in this list? Contact us — businesses of all types benefit from the Ignite Plan.
Where Employee Health Meets Business Success
From preventive health programs to financial and business strategies, we deliver end-to-end solutions that protect your people, optimize your operations, and position your company for long-term success.
Prevention & Detection Program
Employees gain access to preventive care services at absolutely zero out-of-pocket cost. Early detection means fewer sick days, lower claims, and a healthier, more productive workforce.
- Annual wellness screenings
- Preventive care visits at $0 cost
- Telehealth & virtual doctor visits
- Mental health resources & support
- Chronic condition management
Self-Insured Cost Reduction
Using an IRS-approved Section 125 Cafeteria Plan, we restructure employee compensation to reduce the wages subject to FICA taxes — saving employers $620 per eligible employee annually.
- $620 avg FICA savings per employee/year
- 7.65% FICA reduction rate
- Zero cost to employer to implement
- Employees keep same take-home pay
- Works with existing health insurance
Business Consulting & Tax Strategy
Beyond benefits, we bring expert business consulting and tax optimization strategies tailored to service industry employers — helping you reduce costs and strengthen operations.
- Tax credit optimization
- Operational consulting strategies
- HR workflow improvement
- Benefits design & compliance
- Ongoing support & annual reporting
A Smarter Way to Handle Payroll — That Also Benefits Your Team
The Ignite Plan restructures how employees receive a portion of their compensation. By routing pre-tax health benefit contributions through an IRS-approved Section 125 Cafeteria Plan, both the employer and employee reduce the wages subject to FICA (Social Security and Medicare) taxes.
The result: the employer saves on payroll tax for every participating employee, and employees receive meaningful preventive health benefits at zero cost to them. The program is fully IRS-compliant, requires no changes to existing insurance plans, and can be implemented in 1–3 weeks.
10 employees × $620 average savings = $6,200 in annual FICA tax savings — with zero change to your employees' take-home pay and zero cost to implement.
The Problem Most Businesses Don't Know They Have
FICA taxes (7.65% employer share) are paid on every dollar of employee wages. Most businesses pay them without question — because no one told them about a legal option to reduce them.
- ❌ Overpaying FICA taxes on every payroll run
- ❌ Leaving thousands in legal tax savings on the table
- ❌ Offering no preventive health benefits to employees
- ❌ High employee turnover from poor or no benefits
- ✅ With the Ignite Plan: reduce taxes AND add real benefits
Simple 4-Step Implementation
Most businesses are up and saving within a few weeks. No complex HR changes. No disruption to existing plans. We handle the heavy lifting.
Free Business Analysis
We review your employee count, payroll structure, and current benefits to calculate your estimated savings — at no cost and no obligation.
Custom Plan Design
We design a plan tailored to your business — wellness programs, FICA reduction, and tax strategy. Works alongside your existing insurance.
Fast Implementation
The plan is set up within a few weeks. Employees opt in, preventive benefits activate, and FICA savings begin on the next payroll cycle.
Ongoing Support
We handle compliance, annual reporting, and employee communications — with minimal disruption to your HR team. You just enjoy the savings.
Everyone Wins With the Ignite Plan
Employees deserve quality care. Employers deserve cost-smart solutions. The Ignite Plan delivers both simultaneously.
Employer Benefits
- Reduce FICA payroll taxes: Save 7.65% on a portion of each eligible employee's wages — every single payroll run.
- Zero cost to implement: The program pays for itself through the tax savings it generates from day one.
- Improve employee retention: Adding health benefits increases satisfaction and reduces costly turnover.
- Fully IRS-compliant: Section 125 plans are a well-established, IRS-approved benefit structure in place since the 1970s.
- Works with existing plans: The Ignite Plan supplements — never replaces — your current health insurance or HR workflow.
- Scalable for any size: Effective for businesses from 20 employees to 2,000+ — savings grow with your headcount.
Employee Benefits
- Free preventive healthcare: Employees gain access to preventive care services at absolutely zero out-of-pocket cost.
- No reduction in take-home pay: The restructuring maintains net pay — employees don't lose a dollar.
- Telehealth & wellness benefits: Virtual doctor visits, mental health resources, and wellness programs included.
- FICA tax savings too: Employees' share of FICA taxes is also reduced on eligible contributions.
- Better health outcomes: Access to preventive care means catching health issues early — reducing sick days and serious conditions.
- No change to existing benefits: The Ignite Plan supplements whatever coverage employees already have — nothing is taken away.
Does Your Business Qualify?
Most businesses with W-2 employees qualify — and our solutions scale for businesses of all sizes, from 20 employees to 2,000+. Check whether your business meets these simple criteria:
Not sure if you qualify? Contact us for a free, no-obligation business analysis.
See How It Works
Watch this short overview to understand exactly how the Ignite Plan saves your business money while adding real health benefits for your team — with no disruption to your existing setup.
The Ignite Plan — wellness, cost reduction, and tax strategy for employers
Our Values
Our work is guided by core values that shape every decision we make and every partnership we build — reflecting our commitment to integrity, innovation, and lasting impact.
Integrity
We do the right thing, always — with honesty, transparency, and trust at the core of every engagement.
Partnership
We view every client as a true partner, committed to shared success and long-term relationship building.
Innovation
We use creativity and technology to build solutions that are ahead of the curve and deliver measurable results.
Impact
We focus on outcomes that matter — measurable improvements to employee health and employer bottom lines.
Rodney Cummings
Business Benefits Consultant
Rodney works with small and mid-size service businesses across Oregon and nationwide to identify and implement legal tax-saving strategies. The Ignite Health plan is one of the most impactful and under-utilized tools available to business owners today — and Rodney's free business analysis will show you exactly what you're leaving on the table.
- Free business analysis — no commitment required
- Authorized Ignite Health partner
- 30+ years of business advisory experience
- Based in Oregon, serving businesses nationwide
- Service industry specialists — hospitality, retail, trades & more
Frequently Asked Questions
What makes Ignite Health different from other wellness providers?
Most wellness providers offer just one piece of the puzzle. Ignite Health combines preventive care, self-insured cost reduction (FICA savings), and business consulting and tax planning into one complete solution — helping you save money and improve employee well-being at the same time.
How much can my business save?
On average, employers save $620 per eligible employee per year in FICA taxes, while employees receive preventive health benefits at no out-of-pocket cost. A business with 50 employees could see over $31,000 in annual savings.
Is this program compliant with tax and healthcare regulations?
Yes. All programs are fully compliant with IRS and federal guidelines. Section 125 Cafeteria Plans are explicitly authorized under Internal Revenue Code Section 125 and have been in use by businesses of all sizes since the 1970s.
Do employees have to pay anything for preventive care benefits?
No. Preventive care is provided at zero cost to employees. The program is designed so that employees' net take-home pay remains the same or improves — the savings come from reduced FICA obligations, not from cutting pay.
Will this add extra admin work for my HR team?
Not at all. We handle the heavy lifting — from compliance to implementation to employee communications — with minimal disruption to your HR workflow. Most clients experience a completely smooth rollout.
Do employees still keep their existing insurance?
Yes. The Ignite Plan is designed to supplement, not replace, existing health benefits. Employees keep whatever coverage they already have — and gain additional preventive care benefits on top of it.
What types of businesses benefit most?
Service-based companies of all sizes — particularly those with hourly or uninsured workers — benefit most. This includes restaurants, hospitality, retail, cleaning services, healthcare practices, construction, transportation, and more. The program scales from 20 employees to 2,000+.
How quickly can we get started?
Most clients launch within a few weeks after our initial consultation and plan design. The free business analysis takes less than 20 minutes, and implementation is typically complete in 1–3 weeks after that.
What if I only have a small team?
Our solutions scale for businesses of all sizes. The program is most effective with 5 or more W-2 employees, but we can evaluate your situation and may identify other tax-saving strategies appropriate for smaller teams as well.
Complete the Package
Add Group Health & Dental to Maximize Your Benefits
FICA savings work best when paired with a solid group health plan. Rodney compares top Oregon carriers — Providence, Kaiser, Regence, UnitedHealthcare, and more — to find your best fit.
Let's Build Your Benefits Strategy
Your employees deserve better benefits, and your business deserves real savings. Our free business analysis takes less than 20 minutes and shows you exactly what the Ignite Plan can deliver — with no commitment and no obligation.
Free analysis · No obligation · IRS Section 125 compliant · $0 cost to implement · Serving businesses nationwide
FREE DOWNLOAD
The Employer's Guide to FICA Tax Reduction & Free Employee Benefits
How small businesses legally reduce payroll taxes, give employees better benefits at no cost, and keep more profit — all IRS Section 125 compliant.
⬇ Download Free GuideGet business tax tips in your inbox
Strategies for small business owners to reduce taxes and maximize employee benefits.
Stay Informed on Medicare & Retirement
Quarterly updates on Medicare changes, Social Security strategies, and financial planning insights — curated by Rodney.
Questions about the FICA reduction program?
Read Our Complete FICA Reduction FAQ →FROM THE BLOG
FICA Reduction Resources & Insights
FICA Tax Reduction — The Business Strategy Your CPA Probably Hasn't Told You About
Most business owners overpay FICA taxes for years simply because no one explained this legal IRS-approved strategy. Here's how it works and what you're leaving on the table.
Read Article → Small BusinessHow FICA Tax Reduction Works for Small Businesses (And Why Most Owners Don't Know About It)
A plain-English breakdown of the Section 125 strategy that lets business owners legally redirect FICA contributions — and why it flies under the radar at most accounting firms.
Read Article → Oregon BusinessFICA Reduction for Oregon Small Businesses: How to Save $40,000+ Per Year
Oregon business owners are sitting on tens of thousands in annual tax savings. This guide walks through real numbers and shows exactly how a local business can implement FICA reduction this year.
Read Article →Also From Legacy Wealth Services
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