SIMRP — Infinite Savings Plan · §105(b) · §125
    Accepting New EmployersEST 2024
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    Volume 01 — Preventive Care Benefits Program
    IRC §105(b)IRC §125ACA §300gg-4

    Your employees get benefits. Your business saves money.

    The SIMRP enhances your benefits and is designed to save you on payroll taxes, with no change to employee take-home pay and no change to the plan you already offer.

    W2 Employees

    10+

    to qualify

    Net Cost

    $0

    funded by savings

    Employee Allotment

    ~$150

    per month

    Tax Savings

    $505.20

    per employee / yr

    [ 01 ]Coverage

    Comprehensive care, delivered at the payroll level.

    A complete benefits package — with no out-of-pocket expenses for employer or employee. According to SHRM, 92% of employees consider benefits important to their overall job satisfaction.

    No. 01Included

    24/7 Virtual & Primary Care

    Urgent and primary care access at no out-of-pocket cost.

    No. 02Included

    Psychiatric Care & Medication

    Confidential psychiatric support and medication management.

    No. 03Included

    Counseling & Crisis Intervention

    Professional counseling and crisis support for the household.

    No. 04Included

    Personal AI Coach & Fitness

    Personalized coaching and fitness tools to keep you on track.

    No. 05Included

    Annual Lab Panel (75+ Biomarkers)

    Comprehensive annual wellness testing for preventive health.

    No. 06Included

    Unlimited Prescribed Labs

    No-cost access to unlimited prescribed laboratory testing.

    No. 07Included

    Legal Resources (Wills & Estate)

    Assistance with wills, estate planning, and everyday legal needs.

    No. 08Included

    Travel & Lifestyle Perks

    Exclusive discounts and perks for travel and entertainment.

    No. 09Included

    Prescription Formulary (1,000+)

    Access to over a thousand common medications at no cost.

    No. 10Included

    Virtual Rx Renewal

    Fast, seamless prescription renewals through our platform.

    No. 11Included

    Vision Care

    Comprehensive vision coverage and significant eyewear discounts.

    No. 12Included

    Identity & Financial Protection

    Robust protection for your personal identity and financial assets.

    [ 02 ]Live Estimate

    See your projected savings.

    Figures based on the average $505.20 annual employer payroll-tax savings per enrolled W2 employee. Actual savings depend on payroll structure.

    W2 EmployeesRange 10 — 1,000
    50 Adjust
    102505007501,000

    Serving businesses of all sizes.

    Monthly$2,105.00
    Annual$25,260.00
    Five-Year$126,300.00

    Added Employee Benefits

    Annual Value

    $90,000

    5-Year Cumulative

    $450,000
    [ 03 ]Process

    Five steps from enrollment to savings.

    Implementation runs 2–3 weeks end-to-end. Our team handles compliance, documentation, and onboarding so you don't have to.

    01Step 1

    Census

    Share basic payroll info with our team.

    Step 01
    02Step 2

    Savings analysis

    We return your exact estimated savings based on your data.

    Step 02
    03Step 3

    Enrollment

    Auto, in person, or virtual enrollment for your employees.

    Step 03
    04Step 4

    Payroll setup

    We coordinate seamlessly with your existing payroll provider.

    Step 04
    05Step 5

    Go live

    Savings begin on the very next payroll cycle.

    Step 05
    [ 04 ]Skepticism

    Okay — what's the catch?

    We get it. This sounds too good. Below are the four questions every CFO, HR director, and skeptical owner asks first — answered straight.

    Q.01

    "Will this replace our current health insurance?"

    A.

    No. This is a supplemental preventive care program that sits alongside your existing major medical plan without interfering with it.

    Q.02

    "What does it cost us?"

    A.

    There is zero net cost to the employer. The program's fees and premiums are funded entirely through the FICA tax savings generated.

    Q.03

    "Will employees take home less money?"

    A.

    No. The pre-tax deduction is offset by a combination of lower taxes and a tax-free reimbursement, meaning net take-home pay remains exactly the same.

    Q.04

    "Do we have to switch payroll providers?"

    A.

    Not at all. Our team coordinates directly with your current payroll provider to implement the necessary deduction and reimbursement codes.

    Q.05

    "Who qualifies?"

    A.

    Any business with 10 or more W-2 employees. It works exceptionally well for industries like manufacturing, logistics, healthcare, hospitality, and retail.

    LH Capital Logo

    Ready to save on employer payroll taxes?

    Schedule a complimentary 15-minute discovery call. We'll project your exact savings — no strings attached.

    © 2026 LH Capital. Compounded with care.

    SIMRP is a preventive benefit program built on IRS Section 125 and 213(d) frameworks, offered through Legacy Heritage Capital. This is not tax, legal, or insurance advice. All numbers are estimates and depend on your specific situation. Confirm with your tax, payroll, legal, and benefits advisors.