For Business Leaders: A Financial Wellness Benefit

Give your employees access to meaningful wellness support while helping your business manage rising healthcare and workforce costs—

while unlocking measurable FICA tax savings.

What’s in It for Employers

• Up to $640 in FICA Tax Savings Per Employee, Per Year
  Reduce payroll tax exposure and improve cash flow. For a company with 100 employees, this can represent up to $64,000 annually returned to the business—helping offset rising benefit and healthcare costs. 

• Zero Out-of-Pocket Wellness Benefits for Employees
  Through the Self-Insured Medical Expense Reimbursement Plan (SIMERP), employees gain access to wellness benefits and tax-advantaged reimbursements that support everyday health needs without reducing take-home pay. 

• Workers’ Compensation Premium Reductions
  In many states, employers can reduce workers’ compensation premiums—often up to 18%—due to lower taxable payroll, creating another measurable cost offset. 

• No Changes to Current Benefits or Payroll
  The program layers on top of existing health plans with no plan redesign, no carrier disruption, and no impact to employee paychecks. 

• Stronger Retention, Engagement, and Morale
  Provide practical, in-demand wellness support—including virtual care, mental health services, pharmacy access, and weight management—that employees actually use and value. 

• Enhanced Recruitment Advantage
  Differentiate your company in a competitive labor market with a meaningful, no-cost wellbeing benefit that strengthens your overall value proposition to candidates. 

• Improved Productivity and Fewer Absences
  24/7 virtual access to urgent care, primary care, mental health support, and medications helps employees address issues earlier, stay focused, and reduce avoidable downtime. 

• Full Administrative Support and Compliance
  NuSpark’s alliance manages onboarding, employee education, enrollment, compliance, and payroll coordination—minimizing lift for HR and leadership teams. 

Are you ready to turn employee well-being into a financial win—for both you and your team?

Here’s how the NuSpark WellBeing program works in real numbers.

• Let’s say your employee earns $39,250 per year. That’s about $3,293 per month in gross pay.
• Under our wellness plan, $1,220 is deducted on a pre-tax basis each month. But this isn’t money lost—it’s the value of a qualified health benefit, and it reduces the taxable income.
• That means you—the employer—save on FICA taxes. Specifically, you keep over $53 per employee, every month. Multiply that across your workforce, and the savings add up fast.
• Now for the employee: their taxable income drops. Withholdings go down. Even after we deduct the monthly wellness program cost of $149, the math still works in their favor.

Why?

Because we reintroduce that $1,220 as a non-taxable reimbursement. The result? Their take-home pay actually increases—from $2,456 to $2,616 per month.

That’s more cash in their pocket—with better benefits and zero net cost to you.

And setup? It’s simple. We handle the census, the paperwork, and the white-glove support.

With NuSpark WellBeing, everybody profits from smarter care.

For HR Leadership

Rising healthcare costs are reshaping the employee experience. As premiums and out-of-pocket costs rise, employees face increasing financial and personal stress—often showing up as disengagement, absenteeism, and turnover. Surveys consistently rank health insurance costs as the top concern for small business owners, with direct implications for retention and hiring.

HR leaders are being asked to do more with less: support employees, protect morale, and retain talent—without adding cost or complexity. Wellbeing programs that address everyday health, mental health, financial stability, and access to care help employees manage issues earlier, reduce stress, and stay productive. When layered alongside existing benefits, these programs strengthen retention and engagement while supporting the organization’s broader cost-control goals.

How It Works: Simple, Fast, and Fully Supported

• Eligibility: W2 employees working 30+ hours/week with qualified health insurance (through employer, spouse, or private plan).

• Implementation: Fully operational in ~30 days, with seamless payroll integration and automated processes.

• Support: Comprehensive onboarding, education, employee webinars, and a dedicated support team to ensure success.

Compliance Protection

• $500K audit legal expense protection for the employer
• $10K audit legal expense protection for each employee
• Fully HIPAA compliant and legally structured to IRS standards

How to Get Started

NuSpark WellBeing begins with a short qualification conversation to ensure the program is a fit for your organization and workforce.

We start by reviewing a few key areas—such as employee count, payroll structure, and benefit environment—to confirm eligibility and potential impact. This initial step allows us to identify whether the program can deliver meaningful savings and value for your business.

Once qualified, we introduce you to our WellBeing partner for a full walkthrough of the program, including detailed plan mechanics, employee experience, compliance considerations, and implementation steps. Their team handles the presentation and execution, while NuSpark remains your point of coordination throughout the process.

The result: a streamlined path from evaluation to implementation, with no upfront cost, no disruption to existing benefits, and full administrative support.

Book a discovery call with Paul Mosenson

About Our WellBeing Partner

NuSpark WellBeing is powered by an established national benefits and compliance platform with deep experience designing and administering employer-sponsored wellness and reimbursement programs at scale.

Our partner operates as the behind-the-scenes infrastructure, providing the plan design, compliance framework, technology, and administrative execution that make the WellBeing program possible. Their focus is not selling benefits—but ensuring programs are structured correctly, administered consistently, and compliant across jurisdictions.

This platform supports employers across multiple industries and workforce sizes, managing programs that impact payroll, tax efficiency, and employee wellbeing. Their systems are built to integrate cleanly with existing payroll and benefits environments, without requiring employers to replace current plans or carriers.

Key elements our partner provides:

• Regulatory and Compliance Oversight
  Programs are structured to align with IRS, ERISA, and applicable state requirements, with ongoing monitoring to ensure continued compliance.

• Proven Plan Administration at Scale
  Enrollment, reimbursements, employee education, and reporting are handled through a secure, established platform used by thousands of employees nationwide.

• Secure Technology and Data Handling
  Employee data, reimbursement workflows, and payroll coordination are managed through hardened systems designed for sensitive financial and health-related information.

• Operational Continuity and Support
  Dedicated administration teams manage onboarding, employee questions, and ongoing program execution—reducing burden on HR and leadership.

NuSpark’s role is to curate, position, and support this capability as part of a broader profit and wellbeing strategy for employers. You benefit from enterprise-grade infrastructure and compliance rigor, delivered through a single, accountable relationship.

Set Up a Call With Us to Learn More

Our program: Self-Insured Medical Expense Reimbursement Plan (SIMERP)

A Smarter, Compliant Way to Enhance Employee Benefits and Lower Employer Taxes

✅ What Is SIMERP?

SIMERP is an IRS-compliant employee benefit structure that allows employers to reimburse workers for qualified medical expenses—such as preventive care, virtual visits, prescriptions, and mental health services—on a tax-free basis.

It’s designed to integrate with an existing health plan, providing additional coverage without replacing or disrupting current benefits.

✅ Benefits for Employers

• FICA Tax Savings: Reduces employer payroll taxes by an average of $640 per participating employee per year.

• Lower Workers’ Compensation Costs: In most states, premium reductions of 18% or more.

• No Out-of-Pocket Cost: Implementation requires no financial investment or plan changes.

✅ Benefits for Employees

• Tax-Free Wellness Reimbursement: Employees receive up to $1,220/month in value, without reducing their take-home pay.

• Access to Enhanced Benefits: Includes virtual primary and urgent care, mental health support, medications, and more.

• Simple Participation: Requires just one wellness activity per year to maintain eligibility.

✅ Regulatory Compliance

SIMERP operates under key IRS codes:

• Section 213(d): Defines allowable medical reimbursements.

• Section 105(b) and 106(a): Governs pre-tax eligibility and tax exclusion.

• Section 125: Supports integration with cafeteria plans for pre-tax deductions.

Full compliance is maintained through a structured, documented approach that aligns with ERISA, HIPAA, ADA, and ACA standards.

🔁 How It’s Implemented

• Initial Discovery: Assess alignment with eligibility criteria.

• Census Collection: Evaluate potential impact and participation.

• Proposal Review: Custom analysis of savings and benefits.

• Enrollment & Support: Employees onboard seamlessly via a streamlined process.