Recover an average of $640 per employee — without changing a single benefit.
The Delphi Advisors helps employers with 25+ W-2 employees legally reduce payroll taxes and expand employee benefits through a compliant SIMERP structure. No carrier changes. No net cost. Savings from your first payroll.
Great benefits are expensive. Payroll taxes are relentless. Most employers accept both.
You're already paying FICA on every dollar of payroll — and premiums that climb every year. A SIMERP restructures part of that spend, under long-standing IRS code, into pre-tax medical reimbursements. The result: lower employer payroll tax, richer employee benefits, and no change to take-home pay.
One compliant structure. Three ways it pays off.
Payroll tax recovery
Avg. ~$640 per employee per year in FICA, plus insurance and workers'-comp offsets. Cost-neutral — funded by the savings, not a new budget line.
More care, same paycheck
Free preventive care, prescriptions, 24/7 telehealth, labs, and wellness — delivered in one app, with net pay unchanged.
Keep everything you have
Your carrier, network, broker, and plan design stay exactly as they are. SIMERP layers beside what you already run.
From briefing to first-payroll savings in about three weeks.
Briefing & eligibility
A 15-minute call confirms fit, walks the legal summary, and maps your payroll requirements.
Setup & compliance docs
ERISA plan documents, employee notices, and substantiation logs prepared for you.
Payroll integration
Pre-tax elections and non-taxable reimbursements configured with your existing payroll.
Savings & access
FICA recovery begins on the first cycle; employees activate benefits in the app.
How much could your business recover?
Enter your W-2 headcount for a live benchmark estimate. The full calculator models FICA recovery plus insurance and workers'-comp offsets — and shows exactly where your savings come from.
Illustrative — based on the $640/employee benchmark. Not tax advice.
Get My Detailed EstimateBuilt to be compliant.
Every plan operates under IRS §105/§125 and ERISA — documented from day one so your CPA never has to take our word for it.
IRS §105/§125 alignment
Structured on decades-old code — not a loophole, a plan design.
Third-party legal opinions
Independent counsel reviews delivered with your documents.
ERISA / ACA plan documents
Full plan docs, notices, and employee communications included.
Substantiation logs
Participant records maintained continuously — audit-ready by default.
Quarterly reviews
Ongoing compliance oversight plus annual re-certification.
HIPAA data security
Encryption at rest and in transit, role-based access controls.
What finance leaders say after the briefing.
“The SIMERP framework gave us a comprehensive overview that streamlined both payroll and benefits. The numbers held up under our CPA's review.”
“An excellent introduction to tax savings and compliance — we saw exactly where the recovery comes from before committing to anything.”
“The overview revealed significant savings without changing our carrier or plans. Our employees noticed the new benefits immediately.”
A fit if you have 25+ full-time W-2 employees.
25 or more W-2 employees working 30+ hours per week on US payroll.
You want measurable savings without disrupting current carriers or plans.
You value audit-ready documentation your CPA can independently verify.
Fewer than 25 employees? Book a briefing anyway — we'll tell you honestly whether it fits.
Book your free 15-minute briefing
You'll leave with:
- A tailored savings estimate for your exact headcount
- A walk-through of the compliance & documentation
- A clear activation timeline — and what it costs (nothing upfront)
- Straight answers, whether or not SIMERP is a fit
Prefer we reach out? Share your details and we'll be in touch to schedule your call.
See what your business could recover.
Get a no-cost, 15-minute briefing with a tailored savings estimate for your headcount — no plan changes, no obligation.