One supplemental program. Two measurable wins.
Savings for your company Save $1,186* per employee, every year. Benefits for your people Added health benefits they pay nothing for.
Watch This 90‑Second Video to See How It Works
Takes 2 minutes. No commitment.
Program figures reported by First Gen Financial. Your analysis is calculated from your own payroll, wage levels, state and enrollment.
How the Section 125 Program Works
It is an employer-sponsored benefits plan built on IRS Sections 125, 105(b) and 213(d). It lowers what your company pays in payroll tax and gives your people health benefits they pay nothing out of pocket for. It sits on top of the coverage you already offer, so your broker, your carrier and your plan stay exactly as they are. See what this looks like for your situation →
Employer groups on the platform
Takes 2 minutes. No commitment.
Frequently Asked Questions
What is this program?
An employer-sponsored preventive care plan built on Section 125 of the tax code. Your employees get health benefits at no cost to them, and your company pays less payroll tax. It is supplemental, so it adds to whatever you already offer rather than replacing it.
Is this compliant?
It is built on IRS Sections 125, 105(b) and 213(d). Section 125 has been in the tax code since 1978. The plan is an employee welfare plan subject to ERISA and complies with ACA requirements to the extent they apply.
How does it actually work?
Every employer pays payroll tax on what they pay their people. The rate does not change. What changes is the wage base it applies to. A Section 125 structure legally lowers that number, so the same rate is applied to a smaller figure and the difference stays with the company. Your employees come out ahead too, because their taxable income drops and they get benefits they pay nothing for.
Where does the $1,186 come from?
It is the reported program average of employer savings per W‑2 employee, per year. It is an average, not a quote. Your real figure depends on your wage levels, your state and how many of your people enroll, which is exactly what the free analysis works out.
Does this replace our current health plan?
No. Nothing gets replaced and nothing gets cancelled. Your broker keeps the account, your carrier stays, your coverage and network stay, and your employees keep their current elections. This sits on top. If you offer nothing today, it works as a standalone benefit.
Before You Request an Analysis
If neither describes your company, the free analysis is the fastest way to see whether the program fits.
Get Your Payroll & Benefits Analysis
Tell us about your workforce. We will use your actual situation to determine whether the program is worth a closer look.
Results vary based on employee count, payroll structure, wage levels, state and eligibility. This is not tax or legal advice; consult a qualified professional about your specific situation. The program described here is a supplemental Section 125 program administered by First Gen Financial. It is not major medical coverage. Minimum Essential Coverage provides benefits for preventive care services only and meets Minimum Essential Coverage requirements under the Affordable Care Act; there is no diagnostic or hospitalization coverage under that portion. The plan contains limitations and exclusions and availability may vary by state. Figures shown reflect reported program averages, are not a quote, and are not a guarantee of results for any employer. Brand names identify employer groups participating on the platform. Bedrock Business Solutions is a referral partner. We do not sell insurance, provide coverage, or offer legal, tax or financial planning advice.
Copyright © 2026. Bedrock Business Solutions. All rights reserved.
Site Operated by KB Stores LLC