Employee Benefit Consultants · Chicago, Illinois

You May Be Overpaying Payroll Taxes by $25,000–$150,000 Per Year

We help employers with 25–500 employees generate ~$889 per employee annually in payroll tax savings through a payroll-based preventive care strategy—without changing their current benefits.

See Your Estimated Savings Schedule a Consultation
Estimated Annual Employer Savings
50 employees$44,450/yr
100 employees$88,900/yr
250 employees$222,250/yr
500 employees$444,500/yr
Based on ~$889/employee average. Actual results vary by enrollment and plan design.
💡 In many cases, these savings are already sitting inside your current payroll structure—just not being captured.
The Challenge

What's Actually Happening in Most Companies

"Our healthcare costs keep increasing every year."
"We're offering benefits—but not getting real ROI."
"We're paying more in payroll taxes than we should be."
"Our broker isn't bringing new ideas."

There's a Better Way

Most employers don't realize there's a way to improve benefits and reduce payroll taxes at the same time—using the payroll structure they already have.

You don't need to change carriers, disrupt employees, or spend more. You just need the right strategy.

Our Flagship Strategy

Payroll Tax Savings Program (PCMP)

This is the fastest way we help employers create immediate financial impact. The Payroll Tax Benefit Program is a payroll-structured preventive care program that enhances your existing benefits—no replacement required—funded through payroll tax efficiency, not new cost.

For many companies, this results in $25,000–$150,000+ in annual employer savings.

~$889 per employee, per yearIn employer FICA payroll tax savings
$25,000–$150,000+ annuallyTypical range for 25–500 employee companies
No disruption to existing benefitsIntegrated alongside your current structure
Employees benefit tooTax savings and optional enhanced coverage

$0 Copay Virtual Care

24/7 telemedicine access paired with mobile vital signs scanning for employees and their families—at no cost.

Mental & Family Wellness

EAP, therapy, addiction recovery, and Mayo Clinic nutrition coaching—supporting the whole household.

Built-In Tax Efficiency

Employer FICA savings generated through payroll structure. Everyone wins—without adding cost.

Savings Estimator

How Much Could You Be Saving?

In 10 seconds, estimate how much your company may be overpaying in payroll taxes. Enter your employee count below.

⚡ Employers save an average of  $889 per employee / year
Number of Employees
👥 Employees
Estimated Annual Employer Savings
$0/ year
Estimate based on average savings of $889 per participating employee. Actual results vary based on enrollment and plan design. Get My Exact Savings Analysis →
The Gap

Why Most Employers Miss This Opportunity

01

It's not a traditional insurance product—so it rarely comes up in standard broker conversations.

02

Most brokers don't specialize in payroll tax strategy. It falls outside the typical scope of benefits advising.

03

It requires proper structuring and compliance coordination to implement correctly and sustainably.

That's Where We Come In

BMA specializes in payroll tax savings strategy for mid-market employers. We handle the structuring, compliance, and implementation—so you capture what's already available to you.

Schedule a Free Consultation
Built Right

Built for Compliance and Long-Term Sustainability

Structured under Section 125 guidelines

Designed with ACA and ERISA compliance in mind

Coordinated with payroll providers and CPAs

Ongoing compliance support and monitoring

You're not experimenting—you're implementing a structured, supported strategy with experienced advisors who stand behind it.
Ideal Client

Built for Employers Who Need Real Results

CFOs

Focused on cost control and ROI—seeking structured strategies that improve the bottom line without disruption.

Business Owners

Looking to reduce overhead without cutting benefits—offering more to employees while keeping the business sound.

HR Leaders

Who need compliant, easy-to-manage solutions that improve employee satisfaction without adding complexity.

If you have 25–500 employees, there's a strong chance this strategy applies to you.
The Process

Simple. Structured. Effective.

1

Data Review

We evaluate your workforce, payroll, and current benefits structure to understand the full picture.

2

Savings Analysis

We calculate your exact potential employer savings—no estimates, no guesswork, just numbers.

3

Implementation

We integrate the program seamlessly into your existing payroll and benefits. Your team barely notices—except on the P&L.

Client Results

What Our Clients Say

"BMA stands out for their personalized approach and proactive support. They provided tailored solutions that made a significant impact—addressing complex compliance issues and navigating self-funded plans.Larry HugginsRiteway-Huggins Construction
"Partnering with BMA has been a game-changer. We've reduced costs and improved employee satisfaction. Their responsiveness and deep understanding made the entire process seamless.Dave IrelandCFO, Bronzeville Academy Charter School
"Our employees are more engaged and our long-term healthcare costs have improved. BMA worked closely with us to tailor the initiatives—results exceeded our expectations.Kim SwiderekCFO, Village of Lynwood
Don't Leave Money on the Table

There's a Strong Chance You're
Leaving Money on the Table

Most employers can determine in one short conversation whether this strategy could generate meaningful savings.

See Your Estimated Savings Schedule a Free Consultation