Are You Maximizing Your Company’s Tax Savings With Pre-Tax Benefit Deductions?

In the current competitive business environment, every dollar must be maximized. However, most companies leave a lot of tax savings on the table by failing to take full advantage of pre tax benefit deductions. If your organization has not tapped the full potential of these deductions, particularly those permitted under Section 125 taxes, you might be losing a golden opportunity to minimize payroll costs and enhance employee health. That’s where the Lumara Plan is available—a strong, efficient benefits solution that assists companies in capturing instant, quantifiable savings.

What Are Pre-Tax Benefit Deductions and Section 125 Taxes?

Employees pay eligible benefits like health plan and wellness services directly from their untaxed income under the pre-tax benefits deduction. The employment arrangement lowers their taxable earnings, making them pay fewer taxes. Employers save payroll tax money, particularly through smaller FICA payments, because of this benefit arrangement.

Section 125 of IRS laws lets employees select from tax-free benefits to suit their financial needs. Although companies use some form of Section 125 plan, they often do not utilize its full potential because their current systems need better integration and management assistance.

Meet the Lumara Plan: A Smarter Way to Save

The Lumara Plan is not your typical Section 125 taxes plan—it’s a fully managed solution that blends multiple tax-efficient strategies into one seamless offering. It incorporates:

Section 125 Tax Strategies: Employees can set aside pre tax benefit deductions to pay for eligible benefits, reducing taxable wages.
Preventative Care Management Plan (PCMP): The plan offers free wellness and virtual health support to help people stay healthy for a long time.
Self Insured Medical Reimbursement Plan (SIMRP): The plan offers free wellness and virtual health support to help people stay healthy for a long time.

All the components create a complete strategy that helps employers and workers save money without modifying their insurance policies.

Benefits for Employers: More Savings, No Hassle

Implementing the Lumara Plan can result in immediate, recurring financial benefits for your business. Here’s what employers can expect:

Roughly $600 in savings per W-2 employee each year: If businesses implement the plan for every 100 staff members, they will save $60,000 each year.
No out-of-pocket costs: The employer will not need to spend their own funds because the plan creates no financial burden.
Reduced healthcare claims: Better patient health through prevention and fewer claims against primary insurance brings employers $1,400 more savings per staff member over three years.
Fast implementation: The entire plan requires only 30 to 45 days to launch and our team will help support all administrative aspects.
Improved employee morale and retention: Your team members feel cared for when you present excellent benefits that cost them little. This helps you keep top talent working at your organization.
Immediate ROI: These saved funds allow employers to return them to their main business activities or worker programs.

Benefits for Employees: Better Coverage, Higher Take-Home Pay

While the Lumara Plan is designed to deliver measurable tax advantages to employers, it also offers tangible benefits to employees, including:

3–4% increase in take-home pay: On average, employees see an extra $100 monthly, thanks to reduced taxable income.
$0 copay telehealth services: Employees and their families have unlimited, 24/7 access to licensed medical professionals, nurses, and wellness coaches.
Robust mental health and addiction support: Services include access to licensed counselors and mental wellness tools.
Wellness support via Mayo Clinic resources: Helping employees take control of their health through evidence-based wellness guidance.
Tax-free insurance options: These include Universal Life, Critical Illness, and Disability insurance—all without reducing take-home pay.
Family coverage: Many of the plan’s offerings are eligible for spouses and dependents, extending the benefit’s value even further.

And the best part? These enhancements don’t cost employees anything extra—they’ll likely see an increase in their net earnings, making it a win-win proposition.

Why the Lumara Plan Works for Businesses of All Sizes

Lumara was created to solve two critical problems: businesses’ overspending on payroll taxes and the lack of tax-free, high-quality benefit options for employees. By offering a fully managed, compliant, and scalable solution, Lumara eliminates the guesswork and complexity often associated with implementing Section 125 taxes strategies.

Highlights of the Lumara Plan include:

IRS and DOL compliance built in: Ensuring your business meets regulatory requirements without additional administrative strain.
No changes to your existing insurance: You keep your current plans and providers.
Customised to your company: Scalable to fit organizations with as few as 25 employees or as many as several thousand.
Turnkey implementation: Everything from employee education to system integration is handled by Lumara’s experienced team.

Who Should Consider the Lumara Plan?

Although the Lumara Plan is suitable for many businesses, it is especially valuable in sectors with high payroll volume or employee turnover. These include:

Manufacturing and Warehousing
Healthcare and Home Care
Construction and Skilled Trades
Transportation and Logistics
Retail and Food Service
Staffing Agencies and Professional Services

If your business falls within these sectors—or simply has a payroll of 25 or more W-2 employees—you stand to benefit substantially from the Lumara Plan’s built-in tax efficiencies.

Implementation Made Simple

Getting started is easier than you might expect. Lumara handles the process from start to finish:

Initial Consultation – A brief call to determine your eligibility and understand your goals.
Customized Savings Proposal – A breakdown of projected annual savings and employee benefit enhancements.
Plan Design and Launch – All documentation, compliance, and onboarding managed by Lumara.
Ongoing Support – Continued education, reporting, and compliance oversight included.

This streamlined approach ensures that you can quickly realize the plan’s benefits without additional workload or administrative disruption.

Final Thoughts: Don’t Leave Money on the Table

If your company hasn’t optimized its benefits package through pre tax benefit deductions and Section 125 tax strategies, you may be unknowingly forfeiting tens of thousands of dollars each year. The Lumara Plan provides an innovative, seamless way to reduce costs, elevate employee satisfaction, and maintain compliance, without sacrificing quality or disruptive changes.

With over 40,000 employees already enrolled and active across various industries, Lumara is redefining what’s possible with modern employee benefit strategies.

Book your 10-minute consultation today to explore how the Lumara Plan can unlock savings for your business.