In today’s competitive job market, salary alone isn’t enough to win over top talent. High-performing people wish to work for companies that respect their well-being, provide genuine support, and offer a significant benefits package exceeding the fundamentals for companies, that calls for creating a financially viable and appealing comprehensive employee benefits package.
The problem is that most businesses are already under pressure to accomplish more with less. Budgetary restrictions, compliance requirements, and growing healthcare costs frequently restrict what employers can provide, particularly without having an adverse effect on the bottom line.
That’s where the Lumara Plan stands out. It’s a smarter approach to benefits that gives employees what they want, without costing the business more. By leveraging Section 125 together with a fully managed Preventative Care Management Plan (PCMP) and Specialized Insurance Medical Reimbursement Plan (SIMRP), Lumara delivers one of the most compliant and benefit-rich programs available today.
Let’s break down why offering a truly comprehensive benefits package is no longer optional—and how the Lumara Plan helps you do it better.
What Today’s Workforce Expects
Employees today expect more from their employers, especially when it comes to health and wellness. They’re looking for:
- Robust medical benefits for employees and their families
- Mental health support, counseling, and addiction services
- Telehealth access that’s affordable and convenient
- Tools to stay healthy, not just treat illness
- Coverage that extends to spouses and dependents
These expectations aren’t just trends—they’re deal-breakers. According to a 2023 survey by the Society for Human Resource Management, 60% of workers say that benefits play a major role in deciding whether to accept or stay in a job.
If your offering doesn’t meet these needs, top candidates won’t just walk away—they’ll run to employers who do it better.
The Hidden Cost of “Doing Nothing”
Even well-meaning companies often stick with the status quo, assuming any improvement will be too expensive or disruptive. But what many don’t realize is that inaction is costing them thousands every single year.
Here’s why:
- Employers overpay payroll taxes unnecessarily
- Employees miss out on valuable tax-free benefits
- High turnover and dissatisfaction lead to recruitment and training costs
- Existing plans often leave out key services employees need
The Lumara Plan was built to fix that. It helps employers unlock ~$600 in annual savings per W2 employee, adding up to $60,000 in savings for every 100 employees. And it does so with no out-of-pocket cost, no disruption to existing health plans, and no impact on employee take-home pay.
What Makes the Lumara Plan Different?
Most traditional benefit offerings are piecemeal—some basic health insurance, maybe an EAP, and a few perks. But Lumara is not a traditional plan. It’s a fully managed, compliance-first solution that enhances your existing structure by integrating:
- Section 125 tax advantages
- A Preventative Care Management Plan (PCMP) focused on long-term health
- A Self-Insured Medical Reimbursement Plan (SIMRP) that reimburses employees for eligible costs
The result is a seamless, no-cost enhancement that delivers benefits employees actually use, with none of the administrative headaches for HR.
Real Benefits That Employees Value
When employees enroll in the Lumara Plan, they receive a range of services and protections that are often missing from traditional packages, including:
- $0 copay Telehealth, available 24/7 for medical consultations
- Mental health support, addiction counseling, and wellness coaching
- Universal Life, Disability, and Critical Illness insurance
- Mayo Clinic wellness tools and a personal health dashboard
- Coverage for spouses and dependents
And perhaps most importantly: employees see a 3–4% net paycheck increase, or about $100 more per month, thanks to strategic tax savings.
It’s a win-win. Employees gain more value and peace of mind, and employers strengthen their workplace without spending more.
“More than 40,000 employees are already enrolled in the Lumara Plan—and that number grows every month.”
A Modern Solution for a Modern Workforce
The idea behind Lumara is simple: support your people, and your business thrives.
This approach is especially important now, as remote work, family priorities, and economic pressures reshape how employees choose where to work. Forward-thinking employers are seeking ways to deliver real, family-first support that doesn’t drain company resources.
That’s where Lumara truly shines. With a Quick 4–6 week rollout, automated onboarding, and full compliance handled by our team, it’s an effortless way to modernize your offerings without any disruption.
It’s benefits without the burden.
The Bottom-Line Impact for Employers
Let’s be clear: this isn’t just about making employees happy—it’s a strategic business decision.
Here’s what employers gain with the Lumara Plan:
- $600+ in payroll tax savings per employee, per year
- Zero cost to implement or maintain
- Reduced healthcare claims (average of $1,400 saved per employee over 3 years)
- Improved retention and recruiting power
- A stronger employer brand in a competitive market
With these advantages, employers can reinvest in growth, innovation, or even higher wages, while knowing they’re supporting their team in a meaningful, measurable way.
Final Thoughts: Build the Benefits Package That Top Talent Deserves
A “comprehensive employee benefits package” isn’t just a perk—it’s a requirement for attracting and retaining top-tier talent. But offering more doesn’t have to cost more.
With the Lumara Plan, you can deliver best-in-class medical benefits for employees, real family coverage, and monthly take-home pay increases—all while saving thousands on payroll taxes and cutting claim costs.
It’s time to rethink what’s possible.
Ready to Modernize Your Benefits?
Book your 10-minute consultation today to discover how the Lumara Plan can save your business thousands, boost employee satisfaction, and deliver real, tax-free medical benefits with zero added cost.