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EMPLOYER SAVINGS CALCULATOR

See the potential in
your workforce.

Three inputs. A first look at potential annual impact. Then a real conversation about the details behind your numbers.

YOUR ORGANIZATION

Start with the basics.

Adjust the fields below to model your organization. The results update when you select Calculate.

$

Funding determines whether the model includes potential direct claim savings.

ILLUSTRATIVE ANNUAL IMPACT150 employees · Self / level funded
$327,893

Combined potential value across the three categories below. This is a scenario estimate, not a guaranteed return or a cash payment.

Estimated employer FICA savings

Modeled payroll-tax benefit at 75% participation.

$91,373

Potential incident cost avoidance

Risk exposure that might be avoided, not direct cash savings.

$129,000

Estimated variable claim savings

Modeled for self-funded or level-funded coverage.

$107,520
Schedule a tailored analysis
HOW THIS ESTIMATE WORKS

Know what goes
into the number.

This reproduces the assumptions in the current Overlay ROI estimator for an initial conversation. A proposal would use your actual census, plan, state, participation, and implementation details.

75%

Assumed participation

The model applies this rate to full-time employees and rounds participating employees down.

$890

Base FICA model per participant

Adjusted by average income ÷ $60,000, with a floor of 0.8 and a cap of 1.2.

4% × $21,500

Incident risk scenario

Potential incidents multiplied by assumed average cost. Actual avoided incidents and costs are uncertain.

$960

Claim savings scenario

Per participant for self/level-funded plans; half for “other/not sure”; zero for fully insured.

Before you use this number

The total combines modeled FICA savings, potential incident cost avoidance, and potential claim savings. Incident avoidance is not realized cash savings. The model assumes implementation of a qualifying Section 125 structure; actual payroll treatment, plan participation, claims, and incident experience may differ. Fully insured employers generally do not capture direct variable claim savings. Figures are for illustration only and are not a guarantee, quote, tax advice, or legal advice.