Field notes on SIMRP & FICA.
[ Featured ] · Comparisons
Mar 24, 2026 · 7 min read
QSEHRA vs ICHRA vs SIMRP: Small Business Benefits Compared
Comparing QSEHRA, ICHRA, and SIMRP for small businesses — eligibility, costs, administration burden, and which plan delivers the best value for employers.
Read article7 Employee Retention Strategies That Actually Work in 2026
Seven proven employee retention strategies for 2026 — including how to offer competitive benefits with no out-of-pocket expenses through SIMRP-based programs.
What Is a WIMPER Program? Complete Guide
A complete guide to WIMPER — how it works within the SIMRP structure to maintain employee net pay while generating employer FICA savings.
Small Business Tax Deductions for Employee Benefits in 2026
A guide to tax-deductible employee benefits for small businesses in 2026 — plus how SIMRP payroll tax savings differ from traditional income tax deductions.
How to Calculate Employer Payroll Tax Savings
Step-by-step guide to calculating employer FICA tax savings — with formulas, examples, and how SIMRP generates $1,119+ per employee per year in payroll tax reductions.
HSA vs FSA vs SIMRP: Which Tax-Advantaged Benefit Is Best?
A side-by-side comparison of Health Savings Accounts, Flexible Spending Accounts, and Self Insured Medical Reimbursement Programs on cost, eligibility, and employer savings.
What Is a Section 105(b) Plan? Tax-Advantaged Benefits Explained
A complete guide to IRC Section 105(b) plans — how they exclude medical reimbursements from employee income and enable employer FICA savings through SIMRP structures.
Employee Benefits Trends 2026: What Employers Need to Know
The top employee benefits trends shaping 2026 — from preventive care and mental health to cost containment strategies like SIMRP.
How to Reduce Payroll Taxes: 5 Strategies for Small Businesses
Five proven strategies to reduce employer payroll taxes, from Section 125 plans to SIMRP-based preventive care programs.
What Employee Benefits Are Not Taxable? A Complete Guide
A complete guide to non-taxable employee benefits under the Internal Revenue Code, including health plans, HSAs, life insurance, SIMRP reimbursements, and more.
How Much Do Employee Benefits Cost Per Employee in 2026?
Average employee benefits costs broken down by type and how SIMRP-based programs compare with no out-of-pocket employer expense.
What Is a SIMRP (Self Insured Medical Reimbursement Program)?
A comprehensive guide to Self Insured Medical Reimbursement Programs — how they work, their legal foundation, and why they save employers money.
The Cheapest Way to Offer Employee Benefits to Your Team
Ranking employee benefits options by cost: from SIMRP programs with no out-of-pocket employer expense to group health insurance.
Section 125 Preventive Care Plans Explained for Employers
Understanding how Section 125 cafeteria plans enable tax-free preventive care benefits for employees while generating FICA savings.
Can You Offer Benefits Without Group Health Insurance?
Yes — learn how small businesses can provide comprehensive preventive care, life insurance, and telemedicine without group health insurance.
Do Wellness Programs Actually Save Employers Money?
Research shows $1 in preventive care returns $3-$10 in reduced costs. SIMRP-based programs deliver these outcomes with no out-of-pocket employer expenses.
How Small Businesses Can Save $1,000+ Per Employee on FICA Taxes
A detailed breakdown of how the Preventive Care Benefits Program generates over $1,000 per employee per year in FICA tax savings.
How to Offer Life Insurance to Employees with No Out-of-Pocket Expenses
How employers can provide $150,000 in life insurance with no out-of-pocket expenses through the Preventive Care Benefits Program.
Preventive Care Benefits vs Traditional Health Insurance: Complete Comparison
A side-by-side comparison of SIMRP-based preventive care programs versus traditional group health insurance.
ACA-Compliant Wellness Programs: What Employers Need to Know in 2026
Navigate ACA wellness program compliance requirements and learn how participatory wellness programs meet federal guidelines.
Employee Benefits That Cost Nothing: The SIMRP Approach
How Self Insured Medical Reimbursement Programs provide comprehensive employee benefits with no out-of-pocket expenses.
Understanding IRS Memorandum 202323006 and Compliant Benefit Structures
An analysis of IRS CCA 202323006 and what it means for employers using SIMRP-based benefit structures.
Ready to save on employer payroll taxes?
Schedule a complimentary discovery call. We project your exact savings, walk through compliance, and answer every question.