No. 01Tu
Reduce turnover costs
At 60% annual turnover and $3,500+ per replacement, a 25-person retail store loses $50,000+ per year to churn alone. Benefits give hourly employees a tangible reason to stay.
[ Industries ]Retail
Benefits built for retail.
Reduce turnover, compete for hourly talent, and save $1119+ per employee per year in FICA taxes — all with no out-of-pocket expenses to your business.
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 ]Hourly Reality
Level the playing field.
Retail is one of the most competitive hiring environments in the country. With turnover exceeding 60% annually, store managers spend a disproportionate amount of time recruiting, onboarding, and training — only to watch employees leave for a competitor offering slightly better pay or perks. Traditional group health insurance at $7,000 to $22,000 per employee annually is simply not viable for most retail operations.
The Preventive Care Benefits Program levels the playing field. Retailers of any size can offer real, meaningful benefits — including telemedicine, 1,000+ preventive prescriptions, $150K life insurance, mental health support, and hospital bill reduction up to 35% — with no out-of-pocket expenses. Benefits previously only available to large national chains are now within reach.
No. 02Fc
Save on FICA
Generate $1119–$1186 in annual FICA savings per W2 employee. A retailer with 40 employees saves over $44,000 per year back to the bottom line.
No. 03Hb
Benefits hourly workers use
Telemedicine for after-hours care, 1,000+ preventive prescriptions, mental health counseling, and $150K life insurance — practical benefits for hourly retail staff and their families.
No. 04Ze
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 — whether you operate one location or dozens.
[ 02 ]Mechanics
How it works for retailers.
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 — covering sales associates, cashiers, stock associates, assistant managers, and store managers across your retail operation.
Implementation takes just 2-3 weeks, regardless of how many store locations you operate. Our team handles all plan documentation, compliance filings, and employee enrollment. You don't need to change payroll providers or existing insurance arrangements — the program works alongside your current setup.
Employees see no change to their take-home pay while gaining access to comprehensive preventive care benefits. For hourly retail workers who often go without any employer-provided coverage, this is a meaningful upgrade that drives engagement and loyalty.
[ 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.