Reduce Your Company's Payroll Tax Expense +
Strengthen Your Employee Benefits
Reduce Your Company's Payroll Tax Expense +
Strengthen Your Employee Benefits
Reduce Your Company's Payroll Tax Expense +
Boost Employee Benefits
Full Circle Benefit helps employers realize measurable payroll tax savings —
about $623 per employee per year — while enhancing employee wellbeing.
No disruption, no new vendors, and no change to existing benefits.
Full Circle Benefit helps employers realize measurable payroll tax savings —
about $623 per employee per year — while enhancing employee wellbeing.
No disruption, no new vendors, and no change to existing benefits.
40+
40+
Major Clients
Major Clients
$120M
$120M
Payroll Tax Savings
Payroll Tax Savings
$0
$0
Annual Cost
Annual Cost
Trusted by Leading Institutions & Fortune 500 Brands
Trusted by Leading Institutions
& Fortune 500 Brands
$623 per employee savings
$623 per Employee Savings
Full Circle Benefit is structured within IRS and ACA frameworks. Enter your organization’s headcount to see an estimate of the savings potential available through compliant payroll tax reclassification.
Full Circle Benefit is structured within IRS and ACA frameworks. Enter your organization’s headcount to see an estimate of the savings potential available through compliant payroll tax reclassification.
No Budget Impact or Upfront Costs
No Budget Impact
or Upfront Costs
No Budget Impact
or Upfront Costs
The Full Circle Benefit program is fully self-funded through the payroll tax savings it generates.If no savings are realized, there are no program fees — all costs are covered by verified savings achieved through implementation.
Comprehensive Digital Health & Preventive Care Support
Comprehensive Digital Health & Preventive Care Support
Every enrolled employee gains access to a clinically validated digital care platform that supports real preventive health and chronic condition management. The program includes 24/7 access to care coordination, behavioral health tools, and lifestyle coaching — the same model trusted by leading institutions like Stanford Humana, and The American Heart Association.
Every enrolled employee gains access to a clinically validated digital care platform that supports real preventive health and chronic condition management. The program includes 24/7 access to care coordination, behavioral health tools, and lifestyle coaching — the same model trusted by leading institutions like Stanford Humana, and The American Heart Association.
Verified Financial Impact
Verified Financial Impact
Self-Funded
Structure
Self-Funded
Structure
Turnkey Implementation
Turnkey Implementation
Turnkey Implementation
Audit-Ready & Independently Reviewed
Audit-Ready & Independently Reviewed
Audit-Ready & Independently Reviewed
Verified Financial Impact
Self-Funded
Structure
See How Much Your Organization Could Be Saving
Schedule a quick 15-minute overview to learn how Full Circle Benefit can reduce payroll tax expenses while enhancing employee benefits — all within IRS and ACA compliance frameworks.
Beyond the financial savings, Full Circle Benefit strengthens employee wellbeing and organizational performance through a fully compliant, self-funded health platform.Improve workforce health, retention, and satisfaction all without altering your current benefits structure.
Schedule a quick 15-minute overview to learn how Full Circle Benefit can reduce payroll tax expenses while enhancing employee benefits — all within IRS and ACA compliance frameworks.
Schedule a 15-Minute Overview
Our Five Step Process
Our Five Step Process
Introductory Consultation
15 minute, no-pressure walkthrough of how it works
15 minute, no-pressure walkthrough of how it works
15 minute, no-pressure walkthrough of how it works
2. Assessment & Savings Estimate
2. Assessment & Savings Estimate
Meet with our CEO and dive into the technical program details
Meet with our CEO and dive into the technical program details
Meet with our CEO and dive into the technical program details
Implementation & Integration
No disruption! Our expect team handles all the heavy lifting
No disruption! Our expect team handles all the heavy lifting
No disruption! Our expect team handles all the heavy lifting
Verification & Audit-Readiness
IRS Section 125, ACA, and ERISA Compliant Structures
IRS Section 125, ACA, and ERISA Compliant Structures
IRS Section 125, ACA, and ERISA Compliant Structures
Ongoing Support & Reporting
We handle all on-going program administration
We handle all on-going program administration
We handle all on-going program administration
No Risk.
No Risk.
No up-front cost. If there are no savings, you pay $0.
Immediate Savings
Immediate Savings
You'll see extra cash on your balance sheet next time you run payroll.
Fully Compliant.
Fully Compliant.
IRS compliant and trusted by Fortune 500 companies & institutions
How are the savings created?
Full Circle Benefit uses a compliant plan design that combines three established mechanisms: Section 125 Cafeteria Plan – allows a small, pre-tax payroll reclassification. Preventive Care Management Program (PCMP) – delivers ongoing digital health and chronic condition support. Self-Insured Medical Reimbursement Plan (SIMRP) – reimburses qualified medical care expenses under IRS §105(b) and §213(d). This structure lowers both employer and employee FICA liabilities while funding legitimate, ongoing medical care for employees. Implementation is fully managed by our team — all compliance filings, payroll scripts, and plan documentation are provided. Supporting Documentation: Independent legal opinion and CPA audit summaries confirming this structure’s compliance with IRS §125, §105(b), §213(d), and ACA standards are available for internal review. The result? Immediate savings for your business, with all compliance, documentation, and onboarding handled by us. No disruption. No extra admin. Any surplus stays with your company.
How does the program actually work?
Each pay period, a small portion of employee wages is reclassified pre-tax through your existing payroll system. This generates a payroll tax reduction for both employer and employee. Those savings fund the digital care benefit and program administration — with any remaining savings retained by the employer. The process includes: Full legal and payroll setup managed by our compliance team. Employee communication and enrollment handled through secure digital onboarding. Ongoing compliance monitoring and reporting to ensure audit readiness. There are no changes to insurance carriers or plan designs, and no disruption to your existing benefit systems. Supporting Documentation: Implementation checklist, payroll flow chart, and ERISA plan summary available upon request.
Will this disrupt our existing benefits?
Some older plan designs in the market attempted to classify employee wage reimbursements or stipends as tax-free benefits — a structure the IRS has since disallowed. Full Circle Benefit is fundamentally different. All reimbursements are tied to documented §213(d) medical care, not refunded wages. All plan elements have undergone independent legal and CPA review. Each implementation is supported by actuarial Fair Market Value validation to confirm reimbursement values align with federal benefit guidelines. This ensures compliance with IRS, ACA, and ERISA standards while delivering tangible health benefits and measurable savings. Supporting Documentation: Legal opinion letter (summarized), actuarial FMV report, and CPA audit report excerpts provided to compliance departments as part of due diligence.
What do employees actually receive?
Each participating employee receives access to a clinically validated digital care platform that delivers ongoing preventive health and chronic condition management — not one-time “wellness” incentives. The core benefit includes: Personalized Health Risk Assessment – used to identify and manage early risk factors for chronic disease. Condition-Specific Support & Monitoring – evidence-based programs addressing hypertension, diabetes, behavioral health, and weight management. 24/7 Access to Digital Health Coaching & Care Navigation – employees can engage with licensed care coordinators and track progress securely online. Lifestyle & Behavioral Health Tools – resources supporting sleep, stress, nutrition, and overall wellbeing. These services qualify as §213(d) medical care under IRS definitions and are recognized as legitimate health benefits under ACA and ERISA frameworks. All services are funded entirely through the payroll tax savings generated by the program — at no cost to the employee or employer. Supporting Documentation: Clinical validation data, digital care platform overview, and actuarial Fair Market Value report available for compliance or HR review.
How are the savings created?
Full Circle Benefit uses a compliant plan design that combines three established mechanisms: Section 125 Cafeteria Plan – allows a small, pre-tax payroll reclassification. Preventive Care Management Program (PCMP) – delivers ongoing digital health and chronic condition support. Self-Insured Medical Reimbursement Plan (SIMRP) – reimburses qualified medical care expenses under IRS §105(b) and §213(d). This structure lowers both employer and employee FICA liabilities while funding legitimate, ongoing medical care for employees. Implementation is fully managed by our team — all compliance filings, payroll scripts, and plan documentation are provided. Supporting Documentation: Independent legal opinion and CPA audit summaries confirming this structure’s compliance with IRS §125, §105(b), §213(d), and ACA standards are available for internal review. The result? Immediate savings for your business, with all compliance, documentation, and onboarding handled by us. No disruption. No extra admin. Any surplus stays with your company.
How does the program actually work?
Each pay period, a small portion of employee wages is reclassified pre-tax through your existing payroll system. This generates a payroll tax reduction for both employer and employee. Those savings fund the digital care benefit and program administration — with any remaining savings retained by the employer. The process includes: Full legal and payroll setup managed by our compliance team. Employee communication and enrollment handled through secure digital onboarding. Ongoing compliance monitoring and reporting to ensure audit readiness. There are no changes to insurance carriers or plan designs, and no disruption to your existing benefit systems. Supporting Documentation: Implementation checklist, payroll flow chart, and ERISA plan summary available upon request.
Will this disrupt our existing benefits?
Some older plan designs in the market attempted to classify employee wage reimbursements or stipends as tax-free benefits — a structure the IRS has since disallowed. Full Circle Benefit is fundamentally different. All reimbursements are tied to documented §213(d) medical care, not refunded wages. All plan elements have undergone independent legal and CPA review. Each implementation is supported by actuarial Fair Market Value validation to confirm reimbursement values align with federal benefit guidelines. This ensures compliance with IRS, ACA, and ERISA standards while delivering tangible health benefits and measurable savings. Supporting Documentation: Legal opinion letter (summarized), actuarial FMV report, and CPA audit report excerpts provided to compliance departments as part of due diligence.
What do employees actually receive?
Each participating employee receives access to a clinically validated digital care platform that delivers ongoing preventive health and chronic condition management — not one-time “wellness” incentives. The core benefit includes: Personalized Health Risk Assessment – used to identify and manage early risk factors for chronic disease. Condition-Specific Support & Monitoring – evidence-based programs addressing hypertension, diabetes, behavioral health, and weight management. 24/7 Access to Digital Health Coaching & Care Navigation – employees can engage with licensed care coordinators and track progress securely online. Lifestyle & Behavioral Health Tools – resources supporting sleep, stress, nutrition, and overall wellbeing. These services qualify as §213(d) medical care under IRS definitions and are recognized as legitimate health benefits under ACA and ERISA frameworks. All services are funded entirely through the payroll tax savings generated by the program — at no cost to the employee or employer. Supporting Documentation: Clinical validation data, digital care platform overview, and actuarial Fair Market Value report available for compliance or HR review.
How are the savings created?
Full Circle Benefit uses a compliant plan design that combines three established mechanisms: Section 125 Cafeteria Plan – allows a small, pre-tax payroll reclassification. Preventive Care Management Program (PCMP) – delivers ongoing digital health and chronic condition support. Self-Insured Medical Reimbursement Plan (SIMRP) – reimburses qualified medical care expenses under IRS §105(b) and §213(d). This structure lowers both employer and employee FICA liabilities while funding legitimate, ongoing medical care for employees. Implementation is fully managed by our team — all compliance filings, payroll scripts, and plan documentation are provided. Supporting Documentation: Independent legal opinion and CPA audit summaries confirming this structure’s compliance with IRS §125, §105(b), §213(d), and ACA standards are available for internal review. The result? Immediate savings for your business, with all compliance, documentation, and onboarding handled by us. No disruption. No extra admin. Any surplus stays with your company.
How does the program actually work?
Each pay period, a small portion of employee wages is reclassified pre-tax through your existing payroll system. This generates a payroll tax reduction for both employer and employee. Those savings fund the digital care benefit and program administration — with any remaining savings retained by the employer. The process includes: Full legal and payroll setup managed by our compliance team. Employee communication and enrollment handled through secure digital onboarding. Ongoing compliance monitoring and reporting to ensure audit readiness. There are no changes to insurance carriers or plan designs, and no disruption to your existing benefit systems. Supporting Documentation: Implementation checklist, payroll flow chart, and ERISA plan summary available upon request.
Will this disrupt our existing benefits?
Some older plan designs in the market attempted to classify employee wage reimbursements or stipends as tax-free benefits — a structure the IRS has since disallowed. Full Circle Benefit is fundamentally different. All reimbursements are tied to documented §213(d) medical care, not refunded wages. All plan elements have undergone independent legal and CPA review. Each implementation is supported by actuarial Fair Market Value validation to confirm reimbursement values align with federal benefit guidelines. This ensures compliance with IRS, ACA, and ERISA standards while delivering tangible health benefits and measurable savings. Supporting Documentation: Legal opinion letter (summarized), actuarial FMV report, and CPA audit report excerpts provided to compliance departments as part of due diligence.
What do employees actually receive?
Each participating employee receives access to a clinically validated digital care platform that delivers ongoing preventive health and chronic condition management — not one-time “wellness” incentives. The core benefit includes: Personalized Health Risk Assessment – used to identify and manage early risk factors for chronic disease. Condition-Specific Support & Monitoring – evidence-based programs addressing hypertension, diabetes, behavioral health, and weight management. 24/7 Access to Digital Health Coaching & Care Navigation – employees can engage with licensed care coordinators and track progress securely online. Lifestyle & Behavioral Health Tools – resources supporting sleep, stress, nutrition, and overall wellbeing. These services qualify as §213(d) medical care under IRS definitions and are recognized as legitimate health benefits under ACA and ERISA frameworks. All services are funded entirely through the payroll tax savings generated by the program — at no cost to the employee or employer. Supporting Documentation: Clinical validation data, digital care platform overview, and actuarial Fair Market Value report available for compliance or HR review.
Connect With Us + Set Up An Intro Call
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Set Up An Intro Call
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