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What Does WIMPER Stand For?

Six Pillars of Tax Efficiency

Each letter represents a core component of the strategy. Together, they form a legally airtight system that reduces employer FICA taxes while delivering genuine value to employees.

W
Wellness
Employee health programs that anchor the pre-tax benefit structure
I
Integrated
Seamlessly woven into your existing payroll system
M
Medical
IRS §105 / §106 compliant medical reimbursement plans
P
Pre-Tax
Wages reallocated pre-tax reduce your FICA base legally
E
Employee
Benefits that employees genuinely use — 90–98% participation
R
Reimbursement
IRS §125 cafeteria plan structure for maximum compliance
Phase 01
01

Free Consultation

  • We build your custom savings projection live on a 30-minute Zoom call
  • Infrastructure audit — we review your payroll setup and headcount
  • Gap analysis to identify exactly what you qualify for under IRS rules
  • Full strategy walkthrough in plain language — no jargon
  • Zero pressure, zero obligation, zero cost to attend
Schedule My Free Call
Consultation
Free
No obligation
Implementation
30
Days to live
Phase 02
02

Seamless Implementation

  • Our team handles 100% of the setup — you do nothing
  • IRS §105, §106, §125 compliant plan documentation prepared
  • Employee enrollment handled with a simple, clear communication process
  • Zero changes required to your existing payroll provider
  • Full compliance certification issued before go-live
Get Started Today
Phase 03
03

Savings Start. Immediately.

  • FICA tax reduction begins on the very next payroll cycle
  • Every participating employee receives full EHP benefit access
  • Workers' Comp premiums reduced by up to 30%
  • Ongoing compliance monitoring and annual plan review
  • Dedicated support team available throughout the program
See My Savings Estimate
Savings begin
$1$1,100
Per employee / year
IRS Compliance

Built on Federal Law.

The WIMPER strategy is grounded in three specific IRS code sections. Our documentation has been reviewed and approved by CPAs and tax attorneys across the country.

IRS §105
Medical Reimbursement
Allows employers to reimburse employees for medical expenses on a pre-tax basis. This forms the foundation of the WIMPER cost structure and enables the FICA reduction mechanism.
IRS §106
Employer-Provided Coverage
Employer contributions to accident and health plans are excluded from employee gross income. This is what makes the benefit truly zero-cost to the employee — no tax burden, no premium.
IRS §125
Cafeteria Plan
The §125 cafeteria plan structure allows employees to choose pre-tax benefits, reducing taxable income. This is the structural wrapper that makes everything IRS-compliant and audit-ready.
Common Questions

You Asked. We Answered.

If you don't see your question here, we'll answer it live on your free consultation call.

Ask Us Directly

No. The WIMPER strategy works alongside your existing payroll provider — ADP, Paychex, Gusto, Paycom, Rippling, Workday, or any other system. We integrate without requiring you to switch anything.

Yes — 100% compliant. The WIMPER strategy is built on IRS §105, §106, and §125, which have been federal law for decades. Our plan documentation has been reviewed by CPAs and tax attorneys, and we issue compliance certification before going live. Thousands of companies across the US use this exact structure.

Participation is voluntary. However, because the program costs employees nothing and provides real healthcare benefits (telehealth, prescriptions, mental health), we see 90–98% participation on average. Employees who opt out simply remain on their current arrangement — no penalty, no change.

Any employer with W-2 employees qualifies. We work with companies from 10 employees to 10,000+. The more employees you have, the more you save — but even small businesses see meaningful FICA reductions starting from day one.

WTS is compensated by the benefit plan administrator — not by you. Our fee structure is built into the benefit plan at no additional cost to your business or your employees. You net the full $1$1,100 per employee savings with nothing subtracted.

Compliance
IRS §105, §106, §125
Also Covers
ACA · ERISA · HIPAA
Implementation
30-Day Turnaround
Cost to Employer
Zero. Always.
Ready to Engineer Your Savings?

30 Minutes. Your Exact Numbers.

We'll build your custom savings projection live on the call. No guesswork, no obligation — just clear numbers for your business.

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