FICA + CHAMP
Turn Tax Breaks Into
Team Benefits
FICA + CHAMP is the only bundle that puts your business’s IRS refunds in your pocket while giving your team $0 copay healthcare and more.
No loans. No gimmicks. Just smarter payroll.
Why Now?
Running a restaurant, bar, salon or hotel is harder than ever. Costs are rising, staff are difficult to retain and benefits seem unaffordable.That’s where the bundle comes in:
FICA Tip Credit means Instant Cash Refunds
You already paid these taxes. The IRS owes you back.
CHAMP Plan equals Monthly Savings and Real Benefits
Lower taxable wages, reduce payroll taxes and give employees $0 copay care.
A Win-Win Situation for Employer and Employee
Big refund today, plus smaller tax bills every payroll and employees who get more in their paycheck and health no copays.
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What Your Team
Actually Gets
These aren't junk benefits. It’s stuff your team will actually like:
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$0 copay for primary and urgent care
Unlimited telemedicine (yes, mental health too)
Affordable prescriptions
Preventive care at 100%
Virtual vet visits
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And more
The Numbers
Behind the Win
Employers
With the CHAMP Plan, Employers save about
$573
per employee, per year in payroll taxes.
Employees
With the CHAMP Plan, Employees often see an extra
$100-$150
per paycheck after claims and tax savings.
Refunds
FICA Tip Credit Refunds Range from
$30K-$600K+
per employee, per year in payroll taxes.
Why Partner With Us
We're not just another tax or benefits vendor. We're the only team that combines IRS Credits like the FICA Tip Credit which helps you reclaim some of the taxes paid on tips (including possible prior years), ongoing payroll savings and real essential healthcare benefits together in one smart, easy package.
Before
Business costs are climbing everywhere: wages, healthcare, insurance, taxes, compliance, you name it. Even with payroll adjustments, margins are tightening and employees feel the squeeze.
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Healthcare premiums and payroll taxes keep going up
Compliance and admin costs add stress to every cycle
Employees are frustrated with limited benefits or stagnant pay
Refunds and savings often go unclaimed or unnoticed
After (90 Days in With the Bundle)
Employees are automatically enrolled in a healthcare benefit at no cost, or even see an increase in take-home pay, all while employer FICA taxes go down.
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IRS refunds are already hitting your account
CHAMP delivers $0 copays and higher take-home pay for staff
Employer payroll taxes drop, savings grow each pay cycle
Cash back for you. Care that keeps employees.
Frequently Asked Questions
Is this really legit? It sounds too good to be true.
Yes, it’s real. The FICA Tip Credit is an IRS program authorized under Internal Revenue Code 45B, and the CHAMP Plan uses a fully compliant Section 125 structure. We’ve built a tech-first platform to handle the filing and include audit defense, so business owners can confidently claim what they’re entitled to without extra risk or hassle.
Does this replace my major medical plan?
No. The CHAMP Plan is not designed to replace primary medical coverage. Instead, it complements what you already have by focusing on everyday care that employees actually use, including urgent care, telemedicine (including mental health services), prescriptions and preventive screenings. Employees still keep their insurance, but now they can avoid out-of-pocket copays and get more predictable take-home pay. For employers, that means happier staff without increasing the cost of traditional benefits.
What if employees forget to 'engage' with the CHAMP Plan each month?
Engagement is simple. It’s usually just logging into the app or using a covered service once a month to trigger the tax-free claims payment. If someone forgets, there’s an onboarding window, a grace period and catch-up options built in so they don’t lose out. We also provide employee education and reminders to maintain high participation rates. It’s designed to be low-lift for both managers and staff.
Will this be complicated to run on payroll?
No. We understand that payroll is the primary concern for most owners. That’s why we provide a payroll mapping checklist and work directly with your payroll provider to ensure a smooth setup. Once it’s live, the adjustments run automatically every pay cycle. You’ll see the refunds and savings reflected in payroll reports without adding extra manual work from your team.
Who qualifies for the FICA Tip Credit?
Any business that pays FICA taxes (Social Security and Medicare) on reported tips may qualify. That includes restaurants, bars, coffee shops, hotels, resorts, casinos, breweries, taprooms, salons, spas and more. If your staff earns and reports tips, you’re likely eligible. The best part: you don’t have to guess. We run a free eligibility check upfront to confirm whether you qualify and estimate the amount you could receive.
Can part-time or seasonal staff join the CHAMP Plan?
Yes. One of the biggest strengths of the CHAMP Plan is that it can extend to part-time and seasonal employees who wouldn’t usually get meaningful benefits. As long as they have enough taxable wages to fund the plan through payroll reduction, they can participate. For employers, this helps stabilize high-turnover roles by making even part-time jobs more attractive.
