The Problem? Rising Costs. Underutlized Care. Frustrated Employees

If you lead a growing organization, you’ve likely experienced this tension:

• Health insurance premiums rise annually

• Employees avoid care due to deductibles and copays

• Mental health support is difficult to access

• HR teams are stretched thin

• Retention and hiring are increasingly competitive

• Nonprofits feel pressure to steward every dollar responsibly

You want to offer meaningful benefits.

But increasing employer contributions is not sustainable.

So most organizations either:

• Absorb rising costs, or

• Reduce benefit richness, or

• Accept mediocre utilization and morale

There is a smarter structure available.

What If You could Improve Benefits Without Increasing Cost?

Lexiant Advisors helps employers implement a supplemental wellness benefit structure that:

• Provides employees $0 copay access to key healthcare services

• Preserves your existing health plan

• Utilizes compliant payroll tax structuring strategies

• Reduces employer FICA liability (when properly structured)

• Requires minimal HR administration

This is not insurance replacement.

This is not a gimmick.

This is not “too good to be true.”

It is a strategic reallocation of how benefit dollars are structured.

Comprehensive $0 Copay Care Access

Employees gain access to:

✔ $0 Copay Primary Care
✔ $0 Copay Urgent Care
✔ $0 Copay Prescriptions
✔ $0 Copay Mental Health Services
✔ 24/7 Telehealth Access
✔ Care Navigation & Advocacy Support

This dramatically improves utilization because employees no longer delay care due to cost barriers.

The result:

• Fewer avoidable ER visits

• Better preventive care engagement

• Increased employee satisfaction

• Higher perceived compensation value

The Financial & Compliance Framework (High-Level Overview)

The program leverages established federal payroll and benefits regulations to:

1. Strategically structure employee pre-tax elections

2. Reduce taxable wage exposure

3. Decrease employer FICA contributions

4. Redirect savings to fund enhanced benefits

When properly implemented, the payroll tax savings offset the cost of the added wellness benefit — resulting in:

No net increase to employer cost.

Implementation is handled by compliance-driven third-party partners who provide:

• Plan documentation

• Enrollment materials

• Ongoing administration

• Support & compliance oversight

Your current broker relationship remains intact.

👉 Request a Customized Payroll Savings Analysis

Which Organizations Are The Best Fit?

This solution is particularly effective for:

• Employers with 20+ full time W-2 employees

• Small to mid-sized businesses (20 - 999 employees)

• Mission based organizations (See below)

• Leadership teams focused on retention

• Organizations with tight benefit budgets

• Companies paying significant payroll tax

For mission-driven organizations, this allows you to:

• Care for your team well

• Steward financial resources responsibly

• Strengthen retention without increasing overhead

Common Questions

“Is This Legal and Compliant?”

Yes — when structured properly under applicable federal guidelines and implemented through experienced compliance partners.

Our teams do not cut corners.

Our teams do not operate in gray areas.

Our teams currently support 1000's of businesses and over 4 million employees.

“Will This Replace My Current Health Plan?”

No.

Your existing major medical plan remains in place.
This program functions as a supplemental structure that enhances access.

“Will My HR Team Be Overloaded?”

No.

Third-party administrators handle:

• Enrollment

• Employee education

• Ongoing management

• Support

Internal lift is minimal.

"What's The Catch?"

There is no hidden upsell or bait-and-switch.

The model works because payroll tax savings create funding capacity when structured correctly.

If the numbers do not support implementation, we will tell you.

Real Life Examples

Example 1: A Local Gym with 25 Full Time Employees

• Employees gained access to comprehensive wellness benefits

• Employees saw more take home pay

• The gym saved $16,000 in the first year

Example 2: A Private School with 74 Full Time Employees

• Huge benefit boost to their HDHP

• Employee absences went down due to quick care access

• The school saved over $47,000 in taxes

Example 3: A School District with over 1,300 Full Time Employees

• Easier care and prescription access for busy teachers

• Cost of medications plummeted

• The district reduced their budget deficit by over $438,000

See If This Benefit Works for Your Organization

If you have 20+ employees, you likely owe it to your leadership team to evaluate this.

Schedule a Free Opportunity Review Call.

During the call we'll go over:

• A thorough benefit review

• A high level implementation overview

• Answers to compliance questions

• And More

👉 To schedule a time use the link below and click on "Learn More"

Or call: (610) 871-3524
Or email: info@lexiantadvisors.com

Schedule Your Opportunity Review Call

Real Solutions and Real Savings Are Just A Click Away