See what your business could recover.
Enter your headcount and average wage to estimate annual FICA recovery plus insurance and workers'-comp offsets under a compliant SIMERP structure. Adjust the assumptions to match your group.
Advanced assumptions
$0 per employee$0
Illustrative estimate — not tax advice. Actual results vary by payroll structure, participation, state regulations, and carrier factors.
Get my estimate in writingBook a call to get your estimate in writing.
The figures above are illustrative. We prepare your written estimate after a short call — that's how we factor in your actual plan, payroll and participation before putting a number in writing.
Transparent by design.
FICA recovery
Participating employees make a pre-tax §125 election, lowering taxable wages. The employer's FICA (default 7.65%) on that reduction is your recovery.
Offsets
Because covered taxable wages fall, many employers also see insurance and workers'-comp premium reductions — estimated here on the adjusted base.
Your assumptions
Defaults reflect typical groups (85% participation). Adjust participation, FICA, and offset rates to match yours — the estimate updates instantly.
Estimates assume an average pre-tax medical/wellness election of roughly 18% of wages (capped), a common plan design. Figures are illustrative and confirmed for your group during a briefing — not tax advice.
Like your number? Let's validate it.
A no-cost, 15-minute briefing confirms the assumptions for your exact payroll and gives you an audit-ready activation path — no plan changes, no obligation.