Give Your
Employees
Benefits They
Actually Use.
CareFront helps companies with 25+ W2 employees implement a comprehensive supplemental benefits plan at zero net cost to your organization.
The Benefits
Your Employees
Actually Need.
Major medical and compliance plans were built around what regulators require. Supplemental benefits were built around what people actually need on a Tuesday. A doctor at midnight. A prescription they can afford. Mental health support without a referral or a waiting list. These are the benefits that touch your employees every single week.
Real care with zero barriers
No deductible, no co-pay, no network to navigate. Employees can see a doctor, get a prescription filled, or speak with a counselor from their first week on the job.
Coverage that extends to the whole family
Every benefit covers the full household. When employees know their family is protected, they show up differently. That kind of stability is a retention tool no wage increase can fully replicate.
Support employees actually notice
Ask any hourly worker if they have used their major medical plan for something routine this year. Most have not. Supplemental benefits get used weekly by the people who have them, and they know exactly who made it possible.
Four Steps.
Zero Complexity.
As your benefits broker, we coordinate everything. You review and approve. Your employees get access. The plan funds itself.
Workforce Assessment
We start with a quick review of your employee count, payroll structure, and any existing benefits. We identify eligibility and project the FICA reduction before any commitment is made.
Plan Setup and Coordination
We handle the plan documents and coordinate directly with your payroll provider to configure the Section 125 structure. No IT lift required on your end. You review and sign off.
Employee Enrollment
Eligible employees are enrolled through payroll based on gross wage qualification. No HR paperwork, no out-of-pocket employee cost, no disruption to your daily operation.
Ongoing Broker Support
We stay on as your broker of record. Your FICA liability decreases, turnover metrics improve, and your team has real, usable benefits. We handle renewals, compliance, and any employee support questions.
Built For
The Bottom
Line.
Zero Net Employee Cost
The supplemental benefits plan we help you implement is structured so employees pay nothing out of pocket. There are no premiums, no co-pays, and no deductibles for covered services. Their access is fully funded through the payroll structure.
Reduced Payroll Tax Burden
Companies that implement this plan see an average FICA reduction of ~$920 per enrolled employee annually which is how the plan funds itself at zero net cost to you.
Improved Retention
Employees with meaningful benefits stay longer. Every percentage point of reduced turnover saves thousands.
Stronger Recruiting Position
Day-one benefits at zero employee cost is a compelling differentiator in today's labor market.
Move the slider to see your estimated annual impact
Estimates assume avg 85% plan eligibility and $920 annual FICA reduction per enrolled employee. Turnover value based on avg $4,700 replacement cost per hourly employee. Actual results vary speak with a CareFront advisor for a custom analysis.
Partner
With Purpose.
Grow Together.
We partner with independent payroll and HCM providers who want to bring a high-value supplemental benefits solution to their clients handled through their existing payroll infrastructure with no disruption.
Client Retention
Deeper integration means stickier relationships and longer client lifecycles.
Differentiated Offering
Stand out from competing payroll providers with a meaningful add-on.
Recurring Revenue
A new revenue stream from your existing book of business with zero disruption.
Easy Integration
Plug into your existing workflow. No new tech stack required.
PROGRAM
Designed for payroll companies, HCM platforms, and benefits brokers looking to bring measurable value to their clients without adding complexity to their operations.
Let's Talk About
Your Workforce
Goals.
We will put together a custom analysis for your organization at no cost.