What Tax Credits Is Your Business Missing Out On?

Tax season can be stressful, but what if your business has been leaving significant savings on the table without even realizing it? Many employers are unaware of the tax-efficient strategies already available to them. Hidden in plain sight, these strategies can unlock thousands in payroll tax savings annually. And no, we’re not talking about generic tax credits or outdated programs. We’re talking about the Lumara Plan—a smarter, fully managed solution built to transform how modern businesses support their workforce and protect their margins.

Most Businesses Overpay Taxes Without Knowing It

Each year, employers miss out on substantial tax savings, often because they are not aware of specialized programs like Lumara. Standard deduction methods and typical employee benefit plans do little to optimize payroll tax efficiency. The result? Thousands of dollars in potential savings for the business and tax-free benefits for employees were lost.

The best way to save on taxes isn’t by cutting corners; instead, you should leverage innovative tax programs designed for compliance, simplicity, and real financial impact. That’s where the Lumara Plan steps in.

What Makes the Lumara Plan Different?

Unlike traditional benefits models, the Lumara Plan is a complete solution that leverages Section 125 together with a fully managed Preventative Care Management Plan (PCMP) and a Self-Insured Medical Reimbursement Plan (SIMRP). This creates one of the most compliant, benefit-rich options available to employers today.

While many businesses rely solely on a standard Section 125 cafeteria plan, Lumara goes several steps further. This isn’t a basic tax deferral tool—it’s a fully integrated, automated benefits system that delivers measurable results on both sides of the paycheck.

Key Highlights of the Lumara Plan:

For Employers:

Save approximately $600 per W2 employee per year (that’s $60,000 per 100 employees)
No out-of-pocket cost
Reduced healthcare claims—average savings of $1,400 per employee over three years
Fast implementation in 30 to 45 days
Immediate, measurable impact on your bottom line
Enhances retention and employee performance

For Employees:

See a 3–4% net paycheck increase (~$100/month)
$0 copay for 24/7 telehealth, wellness, and mental health services
Access to Mayo Clinic wellness tools and health dashboard
Universal Life, Disability, and Critical Illness coverage
Coverage is available for spouses and dependents

Currently, more than 40,000 employees are enrolled in the Lumara Plan, which provides both financial support and enhanced access to healthcare services.

Why You Haven’t Heard About This Before

Businesses often overlook valuable business tax programs because they don’t present these options clearly and concisely. Tax law can be complicated, benefits systems tend to be fragmented, and many brokers or HR departments stick to familiar solutions. Unfortunately, this tendency leads to missed opportunities for innovation.

The Lumara Plan was built to change that. It’s a modern, proactive approach explicitly designed for employers who want:

To reduce unnecessary tax waste
To offer richer employee benefits without increasing spend
To upgrade their benefits strategy without adding administrative complexity

In short, Lumara turns a tax challenge into a strategic opportunity—without changing your existing insurance plan, without asking employees to sacrifice take-home pay, and without adding cost to your business.

Why Now?

There’s never been a better time to re-evaluate your benefits and tax strategy. Rising healthcare costs, increasing employee turnover, and tighter margins are pressuring businesses across every industry.

By enrolling in the Lumara Plan, employers can benefit from a streamlined, fully managed rollout that requires minimal time and input, yet delivers long-term impact.

Think about it: in just 4-5 weeks, your business could be:

Saving tens of thousands in payroll taxes
Offering $0 copay healthcare benefits to employees
Increasing employee paychecks—without increasing payroll
Strengthening workforce loyalty and satisfaction

This is more than just smart tax planning. It’s future-proofing your business with the best way to save on taxes that aligns with today’s compliance, performance, and retention standards.

What Makes Lumara a Market Leader?

Unlike one-size-fits-all benefit providers, Lumara was founded on a simple principle: employees deserve better support, and employers deserve better margins. That idea guides every part of the Lumara Plan—from its cost-free structure to its comprehensive benefits suite.

Here’s what sets Lumara apart:

No disruption to your current insurance or benefits setup
No impact on employee take-home pay
No cost to implement or maintain the program
A fully managed experience, from onboarding to compliance reporting
Clear, consistent communication for employees and HR teams

The result? A win-win model that serves the entire organization, boosting morale and savings in equal measure.

How It Works

The implementation process is designed to be seamless and efficient. Here’s what you can expect:

Consultation and Eligibility Check
Lumara reviews your current employee benefits and payroll data to confirm eligibility and calculate estimated savings.
Plan Integration
The Lumara Plan is added alongside your existing benefits package with no disruption to your current health insurance.
Employee Enrollment & Onboarding
Employees are guided through a straightforward onboarding process, which allows them to access their tax-free benefits, telehealth tools, and wellness platform.
Ongoing Support & Compliance Management
Lumara handles everything from compliance documentation to employee support, so you don’t have to.

Is the Lumara Plan Right for Your Business?

If your business has 40+ enrolled employees and you’re currently paying standard payroll taxes, the answer is almost certainly yes.

You’ve already committed to supporting your workforce. Why not do it in a way that gives something back, both to your team and your bottom line?

The Lumara Plan is a modern solution that delivers where traditional benefit programs fall short. It provides meaningful employee benefits while helping businesses reclaim thousands in payroll tax savings—without spending a dime or altering existing practices.