Most employers don’t realise how much they’re overpaying in payroll tax each year. It’s often hidden in plain sight—buried in outdated benefits structures, missed opportunities for tax efficiency, and well-meaning HR decisions that don’t align with today’s cost-saving strategies.

At Lumara, we believe businesses shouldn’t have to choose between offering great benefits and protecting their bottom line. That’s exactly why we created the Lumara Plan—a smarter, fully managed benefits solution that helps reduce payroll tax, boost retention, and deliver meaningful value to your workforce.

The Hidden Cost of Overpaying Payroll Taxes

If you’re offering traditional benefits without optimising for pre tax deductions payroll, chances are your business is leaking money.

On average, companies lose $600 per employee per year in unnecessary payroll tax expenses. That adds up to $60,000 in excess costs for every 100 employees.

Why? Because most plans aren’t structured to take full advantage of pre-tax deductions, payroll methods are not available. That’s where Lumara steps in.

What Makes the Lumara Plan Different?

The Lumara Plan is not a traditional Section 125 plan. It leverages Section 125, but enhances it by combining two additional components:

• Preventative Care Management Plan (PCMP)
  
• Specialized Insurance Medical Reimbursement Plan (SIMRP)
  

This trio creates one of the most compliant and benefit-rich plans available today. And the best part? It’s fully automated, hands-off, and doesn’t cost your business or employees anything extra.

A Win-Win for Employers and Employees

The Lumara Plan was built around one simple idea: employees deserve better support, and employers deserve better margins.

Here’s how it delivers on both fronts.

Employer Benefits

• Save ~$600 per W2 employee annually (equivalent to $60K per 100 employees)
  
• Zero out-of-pocket cost to implement or maintain
  
• Reduced healthcare claims (avg. $1,400 savings over 3 years)
  
• Fast implementation (typically 30–45 days)
  
• Boost employee retention and productivity
  
• Immediate bottom-line impact
  

These aren’t hypothetical numbers. More than 40,000 employees are already enrolled in the Lumara Plan—and growing.

Employee Benefits

• 3–4% net paycheck increase (~$100/month average)
  
• $0 copay 24/7 Telehealth (including doctors, nurses, and wellness coaching)
  
• Mental health and counselling support
  
• Access to Mayo Clinic wellness tools and a personalised health dashboard
  
• Universal Life, Disability, Critical Illness coverage
  
• Enhanced support for spouses and dependents
  

All of this with no change to their existing benefits and no impact on take-home pay.

Modernise Your Benefits Without the Burden

In today’s labour market, offering meaningful benefits is more important than ever—but the challenge is doing so without increasing operational costs. The Lumara Plan is a modern Section 125 alternative that meets both goals.

Think of it as a compliant tax-saving engine that fits neatly into your existing payroll infrastructure. There’s no disruption to your current health plans, and your employees don’t need to learn something new to take advantage of the benefits.

It’s also one of the simplest ways to reduce payroll tax without sacrificing anything in return.

Pre-Tax Deductions: The Power of Smarter Structuring

Most businesses understand the concept of pre-tax deductions, but few are using it to its full potential. By structuring qualified benefits through Lumara’s model, your payroll taxes are reduced automatically, month after month, with no manual input needed.

That means you’re not just offering benefits, you’re activating them in a way that produces direct financial value.

This isn’t just about efficiency—it’s about reclaiming what’s already yours. You’re not cutting costs by taking away from employees—you’re giving them more through smart pre tax deductions payroll strategies.

Why Lumara Is the Smarter Choice

What sets Lumara apart isn’t just our compliant structure or automation—it’s our philosophy.

• We believe employers shouldn’t have to choose between financial discipline and employee well-being.
  
• We believe in zero-cost solutions that produce measurable gains for both sides.
  
• We believe outdated benefit models are costing businesses more than they realise.
  

The Lumara Plan is the next evolution of employer-sponsored benefits—one that aligns with modern business strategy and delivers tangible ROI.

If you’re looking to reduce payroll tax with minimal effort, this is the plan for you.

Built for Forward-Thinking Employers

If you’re looking to:

• Reduce payroll tax
  
• Increase employee satisfaction
  
• Streamline benefit administration
  
• Minimise claims and absenteeism
  
• Stay compliant without the paperwork headache
  

Then you’re exactly who we built this for.

Lumara was designed to support employers who care about margins and morale. Whether you have 100 employees or 10,000, the impact is real, immediate, and scalable.

What Implementation Looks Like

Worried about complexity? Don’t be. Our onboarding is as streamlined as the plan itself:

• Initial consultation (10 minutes or less)
  
• Customised proposal based on your workforce size and payroll structure
  
• Implementation in 30–45 days
  
• Fully managed admin, compliance, and employee education
  

There’s no software to learn, no processes to change, and no billing involved.

Final Thoughts: Are You Ready to Stop Overpaying?

If you’re still managing benefits the old-fashioned way, chances are you’re giving up both money and impact.

With the Lumara Plan, you can offer employees more while spending less, and you can do it without lifting a finger.

Ready to reduce payroll tax and unlock smarter pre-tax deductions and payroll benefits?

Let’s Talk

Get a free proposal today and see how the Lumara Plan can make an immediate difference in your business.