Trio converts FICA payroll taxes you are already paying into enhanced employee benefits and increased take-home pay. Nothing is added to your budget. Everything is funded from tax savings you are currently sending to the IRS.
Qualifying employers: 50–10,000+ W-2 employees.
Every time you run payroll, you pay FICA taxes — half from your employees, half from you. Trio creates a legal pre-tax offset that reduces the taxable wage base for enrolled employees.
Because taxes are calculated on a lower number, both you and your employees pay less. That difference does not disappear. It funds benefits your employees receive — and savings you keep.
Sole proprietors, partners, and S-corp shareholders owning >2% are not eligible for the Section 125 benefit. C-corp owners and S-corp shareholders at or below 2% may participate. Entity type is confirmed during the analysis process.
Better benefits are the point of the program — the tax savings are how they're paid for. Enrolled employees receive three things:
A 24/7 virtual healthcare concierge for the employee, their spouse, and their children — provided at no copay or deductible through the plan. Mental health care, urgent care, specialist navigation, chronic care management, second opinions, and prescription support.
Life insurance, critical illness, accident indemnity, hospital indemnity, short and long-term disability, dental, vision, and prescription coverage — employees choose what fits their families.
After benefit costs are covered, remaining savings are added to the employee's paycheck — typically $50–100 more per month, without you adding a dollar to payroll.
30–45 days from signed agreement to first enrollment cycle. Here is the complete division of labor:
No. Those programs paid automatic reimbursements with no benefit-usage tracking. Trio requires actual engagement with plan benefits — every plan payment is coded to a qualifying activity under IRC § 213(d). Structurally different, legally different.
Hitesman Law, P.A. provides an audit defense policy for both the employer and enrolled employees as a standard feature of the plan. You have legal representation if the IRS asks questions — at no additional cost.
We welcome that call. Our legal team has walked CPAs and tax advisors through the structure hundreds of times. We provide a full compliance documentation package, and your CPA can speak directly with Hitesman Law, P.A.
No. A tax credit means you pay first and apply for a refund. Trio reduces your actual tax liability — the money never goes to the IRS. Your savings are earned in the same cycle they are generated.
Basic, non-private payroll data in — a complete picture out: how much you'll save, how many employees qualify, and what each employee's benefits budget will be. No Social Security numbers. No obligation.