No. 01Tu
Reduce turnover
With 75% average annual turnover, every retained employee saves you $3,500–$5,000 in replacement costs. Benefits give hourly workers a reason to stay.
[ Industries ]Restaurants
Benefits built for restaurants.
Reduce turnover, attract reliable staff, and save $1119+ per employee per year in FICA taxes — all with no out-of-pocket expenses to your restaurant.
01 · Annual Savings
$1,119+
Per W2 employee · employer FICA
02 · Employer Cost
$0
No out-of-pocket expenses
03 · Prescriptions
1,000+
Preventive care Rx covered
04 · Life Insurance
$150K
Group term · per enrolled
05 · Implementation
2–3 wk
Enrollment to active
[ 01 ]Why PCBP
A better benefits strategy.
Running a restaurant means managing tight margins, seasonal staffing swings, and a workforce that's predominantly hourly. Traditional group health insurance is often out of reach — costing $7,000 to $22,000 per employee annually. That's why most independent restaurants and small chains simply don't offer benefits.
But skipping benefits comes at a cost too: higher turnover, harder recruiting, and disengaged staff. The Preventive Care Benefits Program gives you a way to offer real, meaningful benefits — including telemedicine, 1,000+ prescriptions, $150K life insurance, and mental health support — with no out-of-pocket expenses.
No. 02Fc
Save on FICA
Generate $1119–$1186 in annual FICA tax savings per W2 employee. For a 30-person restaurant, that's over $33,000 per year back to your bottom line.
No. 03Ze
No out-of-pocket cost
No premiums, no setup fees, no out-of-pocket expenses. The program pays for itself through tax savings from day one.
No. 04Bx
Benefits staff use
Telemedicine for after-hours care, 1,000+ preventive prescriptions, mental health counseling, and $150K life insurance — benefits your team will actually use.
[ 02 ]Mechanics
How it works for restaurants.
The Preventive Care Benefits Program is a Self Insured Medical Reimbursement Program (SIMRP) structured under IRC §105(b), §125, and ACA guidelines. It's designed for W2 employees earning $26,000 or more annually — which covers most full-time restaurant staff including line cooks, servers, bartenders, and managers.
Implementation takes just 2-3 weeks. Our team handles all plan documentation, compliance filings, and employee enrollment. You don't need to change payroll providers or health insurance plans — the program works alongside your existing setup.
Employees see no change to their take-home pay while gaining access to comprehensive preventive care benefits. Your restaurant saves on every payroll cycle through reduced FICA obligations.
[ End ]
Ready to save on employer payroll taxes?
Schedule a complimentary discovery call. We project your exact savings, walk through compliance, and answer every question.