1. W-2 employees
Your employees are on W-2 payroll, full-time, earning around $17,000 a year or more.
ProfitGuard Plus · For business owners with W-2 employees
Your payroll taxes are probably higher than they have to be.
Most owners treat payroll taxes like the weather — a cost you just live with. They're not. ProfitGuard Plus is a benefits structure that lowers what you pay in payroll taxes, puts more money in your employees' pockets, and adds real health benefits. Nobody's gross pay changes.
1
You Save on Payroll Taxes
Roughly $500–$600 per employee, per year, in employer FICA savings — and it repeats every payroll, not just once.
2
Your Team Takes Home More
Every participating employee sees about $40–$80 more per paycheck. Same gross pay — more of it makes it home.
3
Benefits Get Better
Employees get preventative care at no cost to them — telehealth, mental health support, care navigation, and help managing chronic conditions.
What changes — and what doesn't
The best part of ProfitGuard Plus is how little it disrupts.
Nothing changes here
- Gross compensation stays exactly the same
- Every benefit you already offer stays in place — this stacks on top
- Your payroll provider keeps running payroll — we coordinate with them
- No new cost added to your books
These get better
- Your employer payroll-tax bill goes down
- Employee take-home pay goes up
- Your team gets preventative care benefits at no cost to them
- Your benefits package gets easier to hire and retain with
Built on established law — not a loophole
Healthy skepticism is the right instinct. Plenty of "tax-saving benefit programs" over the years were built on shaky ground, and the IRS shut them down. ProfitGuard Plus is built the opposite way: on four long-standing sections of the IRS code that have been in place for decades, with plan documents written and reviewed by CPAs and ERISA attorneys before any plan goes live.
We don't publish the full mechanics here — that's a conversation, because every business is a little different. On a short call, we'll walk you through exactly how it works, show you the numbers for your actual headcount, and let you put every hard question to us. If it's not a fit, we'll tell you that too.
Does your business qualify?
Two things need to be true. That's it.
2. Coverage somewhere
Each participating employee has major medical coverage from somewhere — your plan, a spouse's or parent's plan, Medicare, or the marketplace.
Questions owners ask first
Will my employees' pay go down?
No. Gross pay stays the same. Participating employees actually take home more each paycheck, and they get preventative care benefits on top.
Is this legal?
Yes. It's built on IRS code that has been on the books for decades — not a new trick. CPAs and ERISA attorneys review the plan documents before any plan goes live.
What does it cost me?
The structure is designed so the savings fund the program. Your gross payroll doesn't go up. We'll show you the exact numbers for your business before you decide anything.
How much work is this for me?
Light. We coordinate with your payroll provider and handle the setup. Your job is a short call and a yes or no.
See what this looks like for your business
Tell us a little about your company and Devin will reach out personally. No spam, no list — just a conversation.
Rather just talk it through?
Skip the form. Grab a time that works and bring your questions — that's what the call is for.
Where today's decisions become tomorrow's legacy.