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THE PROCESS

From Discovery to Savings in 30 Days

Our proven 4-step implementation process gets your company saving on Workers' Comp and reducing per-employee costs — with zero disruption to your existing benefits.

4-Step Process

Apply → Qualify → Enroll → Enjoy

30 Days

Average time to launch

18–30%

Workers' Comp reduction

THE 4-STEP JOURNEY

Apply → Qualify → Enroll → Enjoy Benefits

Every Wimper Wellness client follows the same four phases — designed for speed, simplicity, and measurable results from day one.

01

Free Discovery Call

30–60 Minutes

Our benefits strategists analyze your current healthcare spend, Workers' Comp premiums, and benefits structure to identify savings opportunities specific to your workforce.

✓ Review of current Workers' Comp premiums ✓ Analysis of FICA taxes & payroll cost structure ✓ Identification of pre-tax benefit gaps ✓ Initial savings projection ($650–$900)
02

Custom Program Design

5–7 Business Days

We design a tailored four-part compliance structure built specifically for your workforce size, industry, and health profile.

✓ Section 106 wellness plan ✓ Section 125 cafeteria plan ✓ Tax-saving structure planning ✓ Compliance-ready documentation
03

Seamless Implementation

2–4 Weeks

Our white-glove onboarding team handles everything — from carrier negotiations to employee enrollment communications — with zero disruption to your existing benefits.

✓ Carrier negotiations and plan enrollment coordination ✓ HR team training and administration setup ✓ Employee communication and education materials ✓ Benefits portal configuration and testing
04

Launch & Ongoing Optimization

Day 30 + Monthly

Your program goes live with full employee access, wellness resources, and real-time savings tracking. Continuous monitoring ensures compliance and maximizes results.

✓ Employee portal and wellness app access ✓ Monthly utilization and savings reports ✓ Real-time savings dashboard activation ✓ Annual plan redesign and compliance renewal
How It Actually Works

The 4-Part Compliance Structure

Every savings result is powered by four interlocking IRS-compliant benefit layers. Each part works independently — together, they deliver 18–30% Workers' Comp reductions and $650–$900 per employee in annual savings.

$ 106 Section 106 Wellness Plan

Workers' Comp Reduction

An employer-sponsored wellness benefit that restructures payroll classifications under IRS Section 106. Helps reduce premiums.

  • Reduces Workers' Comp premium base by 18–30%
  • Legally restructures payroll under IRS 106
  • No change to employee take-home pay
  • Fully defensible in audits

$ 125 Section 125 Cafeteria Plan

FICA Tax Reduction

Pre-tax benefit election system allowing employees to pay for benefits with pre-tax dollars.

  • Pre-tax elections reduce taxable wages
  • Employer saves 7.65% FICA
  • Employee saves income tax
  • Covers health, dental, vision & more

$ 105 Section 105 SIMRP

Medical Reimbursements

Self-insured medical reimbursement plan allowing tax-free reimbursements for eligible expenses.

  • Tax-free medical reimbursements
  • Covers deductibles & copays
  • Improves compensation value
  • Integrates with HSA / FSA

QHP Qualified Health Plan

ACA Compliance

ACA-compliant health plan ensuring minimum essential coverage and legal compliance.

  • Meets ACA minimum coverage
  • Satisfies employer mandate
  • Integrates with carriers
  • Protects full structure

Combined Impact

$106

Workers' Comp

18–30% reduction
$125

FICA Taxes

$200–$400 / employee
$105

Medical Costs

Tax-free reimbursements
QHP

ACA Compliance

Full regulatory protection
Common Questions

What to Expect

How long does implementation take?

Most companies are fully operational within 30 days. Simple programs can go live in as few as 2 weeks. Our white-glove onboarding team manages the entire process.

No. Our programs complement your existing benefits structure. We enhance what you have rather than replace it — including your current health plan, Workers’ Comp carrier, and ancillary benefits.
Under IRS Section 106, a portion of compensation is reclassified as a qualified wellness benefit. Workers’ Comp premiums are calculated on remaining payroll wages, which reduces the premium base by 18–30% — legally and defensibly.
We serve companies with 10 to 10,000+ employees across all industries. Programs are fully customized to your workforce size, industry Workers’ Comp classification, and health demographics.
Yes. Every component is designed with audit defense in mind. Our compliance team includes former IRS analysts, and we maintain all required plan documents, SPDs, and reporting across all four plan types.
Most companies save between $650 and $900 per employee per year through the combination of Workers’ Comp reductions, FICA savings, and tax-free medical reimbursements. We provide a personalized savings projection on your discovery call.
Minimal. We handle all communications and provide employees with clear, simple enrollment materials. Employees typically see a slight increase in take-home pay — which improves program reception.

Start Your Discovery Call Today

30 minutes. No obligation. Leave with a clear picture of your Workers' Comp savings potential and a personalized $650–$900 per-employee projection.

Book Discovery Call
No obligation • Free savings analysis included