This IRS-Approved Strategy Can Save You Thousands Per Year in Payroll Taxes
Discover How Business Owners with Just 10+ Employees Are Saving $500–$750 Per Employee Per Year — With No Out-Of-Pocket Costs or Paycheck Reductions
The FICA Tax Savings You're Missing Out On
Most business owners have no idea they're overpaying in payroll taxes — or that there's a compliant way to stop it. Here's what you need to know:
What is the PCMP Program?
The Preventative Care Management Program (PCMP) is a comprehensive workplace wellness solution designed to enhance your employees' benefits package while reducing tax liabilities for both employers and employees.
How Does It Work?
Through strategic benefit restructuring, we help optimize your benefits package to maximize tax savings while providing enhanced wellness benefits to your employees—all without increasing out-of-pocket costs.
Who Can Participate?
The program is available for employers with 10+ full-time W-2 employees. Part-time and freelance employees are not eligible for the program.
Is Your Business Eligible?
Many businesses qualify for FICA tax savings under this program — but have no idea it exists. See if your business is eligible:
Healthcare Practices
Businesses with medical, dental, or chiropractic offices that employ W-2 staff like nurses, assistants, and front office teams.
Examples:
Medical clinics, dental offices, physical therapy practices, urgent care centers
Construction & Trades
Companies with full-time laborers, technicians, or support staff on payroll. Especially powerful for seasonal or high-turnover fields.
Examples:
Plumbing, HVAC, roofing, general contractors, electrical services
Manufacturing & Warehousing
Operations with line workers, packagers, forklift operators, or fulfillment staff who are full-time employees.
Examples:
Assembly plants, product manufacturers, distribution centers, 3PL companies
Home Care & Senior Services
Employers who staff aides, nurses, or caretakers under W-2 classification. Often overlooked, yet highly eligible.
Examples: Home health agencies, senior care services, assisted living support
Franchise & Multi-Locations
Brands with structured payrolls across multiple stores or service locations. These setups are ideal for benefit restructuring.
Examples: Fast casual restaurants, gyms, daycare centers, cleaning franchises
Other W-2 Eligible Employers
If you have 10 or more W-2 employees receiving regular wages, chances are your business qualifies. Let’s find out.
Examples:Logistics firms, auto repair shops, call centers, local retailers
Key Eligibility Requirements:
Your business must have at least ten full-time W-2 employees
You must pay employer-side FICA taxes (Social Security and Medicare)
Your business must have filed standard IRS payroll tax forms (Form 941)
Employees must receive regular wages through payroll
How It Works
Our streamlined process makes claiming your FICA tax savings simple and hassle-free
Get Your Free Savings Estimate
Fill out a quick form to see how much your business could save based on your W-2 employee count and payroll.
Upload Your Payroll Documents
Send us your Payroll Journal and Form 941 through our secure portal — it only takes a few minutes.
Review Your Tax Savings Analysis
Our team of experts will prepare a detailed report showing your estimated savings and how it works.
Implement and Start Saving
We handle setup, compliance, and onboarding. Your business could be saving thousands within weeks — not months.
Key Plan Benefits
We specialize exclusively in helping employers maximize FICA tax savings through compliant payroll benefit strategies.
Tax Savings
Reduce payroll taxes by $650 per participating employee annually while providing enhanced benefits.
Employee Wellness
Comprehensive wellness benefits including 24/7 telehealth services and Mayo Clinic programs.
Quick Setup
Fully operational within 30-45 days with automated systems for seamless integration.
Zero Upfront Costs
No upfront costs. No additional out-of-pocket costs for employers or employees to participate in the program.
$1B+
in Claims Processed Across Several Programs
10,000+
Businesses Helped
100%
Compliance Rate
50
States Covered
Frequently Asked Questions
Everything you need to know about the FICA Savings Program
What is the PCPM plan?
The Preventative Care Payroll Management (PCPM) program is a fully compliant tax strategy built on IRS Sections 105 and 125. It allows employers to restructure part of employee compensation to reduce payroll taxes while offering additional wellness benefits — without changing their health plan or employee pay.
How much can my business save?
Most companies save between five hundred and seven hundred fifty dollars per participating employee per year. If you have ten or more full-time W-2 employees, that can add up to tens of thousands in savings annually.
Is my business eligible?
If you have at least ten full-time W-2 employees and pay employer-side FICA taxes, there’s a strong chance you qualify. Submit your info and we’ll provide a free savings estimate.
Will my employees’ paychecks be negatively impacted?
No. In fact, many employees see slightly higher take-home pay. There’s no cut to wages, no out-of-pocket costs, and no reduction in core benefits. The program is designed to benefit both the business and its employees.
How long does the process take?
Once we receive your payroll documents, most businesses are fully set up and saving within thirty to forty-five days. The sooner you upload your documents, the faster we can deliver your custom analysis.
What documentation do I need?
We only need two standard reports: your most recent Payroll Journal and Form 941. Most payroll providers like Gusto, ADP, Paychex, or QuickBooks make these easy to download.
Is there a fee for the service or hidden costs?
No upfront fees. We only get paid after your business starts saving — and only based on the savings we help you generate. There’s zero financial risk.
Does claiming this savings trigger an audit?
No. This is not a retroactive tax credit or an amended filing. It’s a forward-facing benefits structure that follows IRS guidelines under Sections 105 and 125. Our compliance team ensures everything is set up properly.
What Our Clients Say
Join thousands of satisfied business owners who've recovered significant tax savings
We recovered over $45,000 in tax savings we didn't even know we were eligible for. The process was incredibly simple on our end. Just a few simple payroll docs and their team did it all!
Michael R.
Owner, Fine Dining Restaurant Group
As a small business owner, I was skeptical, but Small Business Owner Resources delivered exactly what they promised. $18,500 back in my pocket yearly in tax savings with zero hassle.
Sarah T.
Owner, Neighborhood Bar
We'd been missing out on this credit for years. They helped us implement a tax strategy beneficial to both my employees and my bottom line. Game-changer for our business.
David L.
CFO, Regional HVAC Chain
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