Employer Health & Wellness Benefits | Paradise Assured
Serving Employers in NY, FL, NJ, CT, AZ, TN, IN, DE & WV
Something important is missing from your employee benefits package — and it is costing your business real money every single payroll cycle.
Most employers believe their benefits are handled. They offer group health insurance. They contribute to premiums. They check the box. And yet — despite their investment — employees continue to struggle with health challenges, financial stress, and benefit gaps that quietly undermine productivity, morale, and workforce stability.
The problem is not that employers are not trying. The problem is that the traditional benefits model — group health insurance plus whatever voluntary benefits employees can afford to add — was never designed to address the full spectrum of what today's workforce actually needs.
Paradise Assured Insurance Agency is proud to offer the Paradise Assured Health & Wellness Advantage — an exclusive employer health enhancement program that prioritizes predictive and preventative health before challenges become costly claims — while generating meaningful tax savings for both your business and your employees through one of the most powerful and most overlooked provisions in the United States tax code.
This program does not replace what you already have. It completes it — adding a comprehensive layer of health, wellness, financial protection, and personal development benefits that your employees and their families need and deserve.
The first step is a conversation. Contact Paradise Assured Insurance Agency today to find out what the Paradise Assured Health & Wellness Advantage can do for your organization.
The Benefits Gap — Why Good Intentions Are Not Enough
Most employers are doing everything right — offering group health insurance, contributing to premiums, providing whatever voluntary benefits their budget allows. Many larger employers have engaged Professional Employer Organizations — PEOs — to manage HR administration and benefits with the expectation that employee benefits are fully addressed.
And yet the data tells a very different story about what is actually happening inside the American workforce:
64% of employees are living paycheck to paycheck — leaving them financially unable to absorb any unexpected health expense, regardless of the coverage their employer provides.
60% of Americans are experiencing at least one chronic illness — and 40% are managing two or more chronic conditions simultaneously. These are not future health risks. They are present realities affecting your workforce today.
35% of employees choose to forgo employer-offered benefits entirely — often because they cannot afford the employee contribution even when the employer is subsidizing a significant portion of the cost.
67% of employees have experienced a negative financial impact from inflation and the rising cost of goods — making the choice between benefit contributions and basic living expenses increasingly difficult.
30% of employees have had to choose between paying for medical treatment or a prescription and paying a non-medical bill.
THE REAL COST TO YOUR BUSINESS
When employees cannot access preventative care, the consequences do not stay personal. They become organizational — showing up as increased absenteeism, reduced productivity, higher claims on your group health plan, and accelerated turnover that costs far more to address than it would have cost to prevent.
THE PEO GAP
If your organization uses a Professional Employer Organization, you may believe your employee benefits are fully handled.
PEOs provide valuable HR administration and group benefits access — but what they do not typically provide is a health enhancement program that generates additional tax savings through Section 125 strategies while giving employees access to telehealth, personalized wellness, identity protection, legal services, prescription savings, and more.
The Paradise Assured Health & Wellness Advantage complements your PEO relationship — it does not replace it. You keep your PEO. You simply add an enhancement layer that fills the gaps your PEO is not addressing and generates savings your PEO is not capturing.
THE MOST EFFECTIVE HEALTH STRATEGY IS PREVENTION
The most cost-effective approach to employee health is not treating illness after it occurs. It is identifying and addressing health risks before they become costly claims. The Paradise Assured Health & Wellness Advantage is built on this foundational principle — predictive and preventative health care for every participating employee and their family.
The Overlooked Tax Advantage Most Employers Never Knew They Had
Hidden inside the United States tax code is one of the most powerful and most underutilized employer benefit strategies available to American businesses of any size — and most small to mid-size employers have never had it explained to them.
It is called a Section 125 Cafeteria Plan.
WHAT IS SECTION 125?
Section 125 of the Internal Revenue Code was established by Congress in 1978 as part of the Revenue Act of 1978. It has been continuously in force for nearly five decades — surviving administrations of both parties unchanged in its core structure. It is not a loophole. It is not a gray area. It is codified federal tax law that Congress established specifically to allow employers to provide tax-advantaged benefits to their employees.
Section 125 allows employees to pay for qualifying benefits using pre-tax dollars — reducing their taxable income. When employees contribute pre-tax, the employer pays FICA taxes on a smaller payroll — generating direct payroll tax savings for the business on every participating employee every single pay period.
WHY MOST EMPLOYERS ARE LEAVING MONEY ON THE TABLE
Large corporations have used Section 125 strategies for decades. They have dedicated benefits departments and outside consultants whose job is to maximize every available tax advantage, including Section 125. The savings flow directly to the bottom line — year after year — on every payroll.
Small and mid-size employers — the backbone of the American economy — rarely have access to the same sophisticated benefits strategy. Most have never been shown how a properly structured Section 125 plan could generate meaningful FICA savings on their payroll while simultaneously enhancing the benefits available to their employees at no net additional cost to the business.
Every payroll cycle without a Section 125 strategy in place is a payroll cycle where money that could stay in your business is instead going to payroll taxes that a simple legal structure could have reduced.
IS SECTION 125 AT RISK?
Section 125 is codified federal law — established by Congress and continuously in force for nearly five decades. Eliminating or materially changing Section 125 would require bipartisan Congressional action — an extraordinary undertaking given the current legislative environment. Section 125 is one of the most stable and enduring provisions in the US tax code and represents an available advantage that qualifying employers can act on today with confidence.
Paradise Assured Insurance Agency recommends that all employers consult with a qualified tax advisor or benefits administrator to confirm the specific tax implications of a Section 125 plan strategy for their organization.
The Paradise Assured Health & Wellness Advantage — What It Is & How It Works
The Paradise Assured Health & Wellness Advantage is an exclusive employer health enhancement program available through Paradise Assured Insurance Agency. It utilizes a Section 125 pre-tax strategy to provide employees and their families with a comprehensive suite of health, wellness, financial protection, and personal development benefits — at no net cost to the employer and no reduction in employee take-home pay.
This program does not replace your existing group medical plan or any supplemental benefits your employees currently have. It is a pure enhancement — adding a powerful layer of resources that addresses the health and financial gaps your current benefits were never designed to fill.
HOW IT WORKS
The program is funded through a Section 125 pre-tax premium deduction.
The pre-tax contribution reduces the employee's taxable income — generating FICA tax savings for both the employer and the employee. The employee receives an after-tax program reimbursement and a benefit reserve available for voluntary benefits. The net result — take-home pay remains the same as before enrollment with a full suite of health and wellness benefits now available.
NO NET COST — HOW IS THAT POSSIBLE?
For many qualifying employers, the FICA tax savings generated by the Section 125 pre-tax strategy equal or exceed the program administration fee — resulting in a net zero or net positive financial outcome for the business. You enhance your employee benefits. You reduce your payroll tax burden. And in many cases the program pays for itself.
A customized Pro Forma analysis is provided to every employer before enrollment — showing your organization's specific projected savings and benefit reserves before you make any commitment.
WHO QUALIFIES
The Paradise Assured Health & Wellness Advantage is available to employers with:
Minimum 10 W-2 full-time employees averaging at least 30 hours per week.
An existing employer group medical plan or Minimum Essential Coverage equivalent in place.
No maximum employee count — the program serves employers with 10 to 10,000 or more employees.
Please note — company owners are not eligible to participate. Each participating employee must actively opt in and sign an attestation form confirming they meet the participation requirements.
A NOTE FOR EMPLOYERS WITH AN EXISTING BENEFITS ADVISOR
The Paradise Assured Health & Wellness Advantage is designed to complement — not replace — your existing group health plan or your current benefits advisor relationship. If your organization works with a group benefits broker or insurance agency we welcome the opportunity to speak with them directly and demonstrate how this program enhances your benefits package without competing with their existing services.
Many group benefits advisors welcome the Paradise Assured Health & Wellness Advantage as a meaningful enhancement to their client relationships — bringing a Section 125 tax savings strategy and a comprehensive employee wellness ecosystem that falls outside the scope of traditional group benefits practice.
If your current advisor has never discussed Section 125 health enhancement strategies with you — that conversation is long overdue. Contact Paradise Assured Insurance Agency today.
WHAT YOUR EMPLOYEES AND THEIR FAMILIES GAIN
Every enrolled employee and their family gains access to a comprehensive benefit suite through one app with one login — including telehealth, personalized wellness programs, prescription savings, identity protection, legal services, pet care, fitness and nutrition resources, biometric health monitoring, annual lab work, and more — all described in detail below.
Paradise Assured Insurance Agency recommends that employers consult with a qualified tax advisor or benefits administrator regarding the specific tax implications of the Section 125 plan strategy for their organization.
The Numbers — What This Program Saves Your Business
The Paradise Assured Health & Wellness Advantage generates employer FICA tax savings on every participating employee every payroll cycle. The following illustrates typical savings per enrolled employee based on plan type. Actual savings vary based on employee demographics and payroll structure.
A customized Pro Forma analysis is provided to every employer before enrollment — showing your organization's specific projected savings before you make any commitment.
SINGLE PLAN
Savings per employee per month — $61.20
Program fee per employee per month — $35.00
Net savings per employee per month — $26.20
Net savings per employee per year — $314.40
MARRIED PLAN
Savings per employee per month — $86.06
Program fee per employee per month — $35.00
Net savings per employee per month — $51.06
Net savings per employee per year — $612.75
AVERAGE SAVINGS
Savings per employee per month — $73.63
Program fee per employee per month — $35.00
Net savings per employee per month — $38.63
Net savings per employee per year — $463.58
WHAT THIS MEANS AT SCALE
For an employer with 50 enrolled employees, the average net savings could reach approximately $23,179 per year — savings that go directly to your bottom line while simultaneously providing every participating employee and their family with a comprehensive health and wellness benefit suite they could not access before.
For an employer with 100 enrolled employees, average net savings could reach approximately $46,358 per year.
These savings recur every year the program is in place — on every qualifying employee — beginning with the very first payroll run after the effective date.
THE EMPLOYEE EXPERIENCE
The employee's monthly gross income is unchanged. All existing pre-tax deductions are unchanged. The program fee is deducted pre-tax, reducing taxable income. The employee receives an after-tax program reimbursement and a benefit reserve for voluntary benefits. Take-home pay remains exactly the same as before enrollment — with a full health and wellness benefit suite now available for the employee and their family.
These figures are illustrative examples based on typical plan structures. Actual employer and employee savings depend on individual tax situations. Paradise Assured Insurance Agency recommends consulting with a qualified tax advisor or benefits administrator to confirm projected savings for your specific organization.
What Your Employees & Their Families Gain — A Complete Benefit Ecosystem
Every employee enrolled in the Paradise Assured Health & Wellness Advantage gains immediate access to a comprehensive suite of benefits through one app with one login — available on Android and Apple iOS.
TELEHEALTH — VIRTUAL HEALTH SERVICES
Employees and their families have on-demand access to comprehensive virtual health care through a program ranked number 1 by JD Power and Associates in 2024 — at zero copay:
Virtual emergency room, telemedicine, primary care, and urgent care — available when and where employees need them eliminating costly in-person ER visits for non-emergency conditions.
Behavioral health services — access to mental health support without referrals, wait times, or high copays.
Dermatology — virtual access to dermatology care without specialist referral requirements.
All virtual health services are available at $0 copay — removing the financial barrier that causes employees to delay or avoid necessary care.
PERSONALIZED WELLNESS PROGRAMS
Each enrolled employee has access to personalized health management programs, including chronic disease management, care navigation, billing advocacy, insurance support, health education, health risk assessments, weight management, smoking cessation, and dental support — care for the whole family.
WELLNESS AMBASSADOR
The program features Gary Brecka as wellness ambassador — bringing his proven human optimization protocols designed to empower employees with peak health, vitality, and mental clarity.
BIOMETRIC HEALTH MONITORING
Every enrolled employee has access to a biometric scan measuring pulse, heart rate, breathing rate, systolic and diastolic blood pressure, stress index, parasympathetic activity, cardiac workload, and BMI — providing each employee with a real-time personal health baseline.
PERSONAL HEALTH DASHBOARD
A personalized employee dashboard provides a complete health assessment, wearable device integration, customizable daily wellness goals, a virtual AI health coach, biometric scanner and logs, and access to hundreds of health literacy and wellness videos — all in one app with one login.
ANNUAL LAB WORK
Each enrolled employee receives an annual no-cost blood test — providing objective health data that supports early detection and proactive health management.
FITNESS AND NUTRITION LIBRARY
A comprehensive fitness and nutrition library provides expert-guided nutritional content, personalized meal plans and workout routines, and on-demand access to fitness tools anytime and anywhere.
PRESCRIPTION SAVINGS
Employees save on thousands of prescription medications through access to over 70,000 retail pharmacies nationwide — including a discount program for medications not on formulary and a prescription assistance program for medications over $300. Does not impact current medical claims.
IDENTITY PROTECTION
Comprehensive 24/7/365 identity theft and scam prevention with full-service recovery — a personal case manager is assigned to do the recovery work on the employee's behalf. Includes creditor notification and follow-up, credit freeze guidance, medical identity theft recovery, and lost wallet assistance.
LEGAL SERVICES
Employees have access to free legal services, including initial phone and face-to-face consultations for new legal matters, independent legal document review, Simple Will preparation for the employee and family with free annual updates, a state-specific web-based living will form, small claims court assistance, and help navigating government program issues.
PET CARE
Employees with pets have access to virtual veterinary consultations available 24 hours a day 7 days a week 365 days a year. A licensed veterinarian responds within one hour to discuss the pet's symptoms and recommend the best course of action by phone or video.
LIFE GUIDES
Access to Life Guides covering 12 subjects with more than 8 titles per subject — supporting personal growth, lifelong learning, and navigation of life's challenges.
This is not a single benefit. This is a complete health and wellness ecosystem — available to every enrolled employee and their family through one app with one login — beginning on their very first day of enrollment.
From Discovery to First Payroll — How We Implement Your Program
The Paradise Assured Health & Wellness Advantage implementation process is straightforward and fully supported from initial discovery through implementation and ongoing program management. Our team handles the complexity so you do not have to.
STEP 1 — DISCOVERY CALL
Paradise Assured Insurance Agency walks your leadership team through the program design, benefit suite, financial mechanics, and qualification requirements — giving you a complete picture of what the program offers and what your organization can expect.
STEP 2 — YOUR CUSTOMIZED PRO FORMA ANALYSIS
A customized Pro Forma analysis is generated based on your employee census data — showing your organization's projected benefit reserves and specific employer savings before you make any commitment. No obligation. No pressure. Just numbers.
STEP 3 — DECISION AND ENROLLMENT SCHEDULING
Once you decide to move forward, Paradise Assured schedules employee education and open enrollment — virtually or on site — at a time that works for your organization.
STEP 4 — EMPLOYEE EDUCATION AND OPEN ENROLLMENT
Enrollment is completely opt-in — each employee who desires to participate must actively elect coverage. Paradise Assured conducts employee education sessions — sharing individual benefit quotes with each employee and walking them through exactly what the program provides for them and their family.
STEP 5 — DOCUMENTATION SUBMISSION
All enrollment documentation is submitted by the 20th of the month for a coverage effective date of the 1st of the following month — a clean and simple administrative process with full support from the Paradise Assured team.
STEP 6 — IMPLEMENTATION CALL
On the first payroll date after the effective date, our implementation team meets with your payroll administrator to set up and test payroll codes, generate the Pro Forma, educate your team on the updated payroll process, and run a mock payroll to confirm everything is functioning correctly before the first live run.
STEP 7 — SAVINGS BEGIN ON DAY ONE
Your organization begins seeing employer FICA savings immediately in the first payroll run after the effective date. Employees simultaneously gain full access to the complete benefit suite through the program app.
STEP 8 — ONGOING SUPPORT
New hires and terminations are processed on a monthly basis with full administrative support. Employees typically remain on the same program unless a major life event occurs. The Paradise Assured team remains your ongoing point of contact for program questions and employee support.
From decision to first payroll is typically 30 to 45 days.
The question is not whether your employees need this program. The question is how many payroll cycles you can afford to wait before implementing it.
Employer Health & Wellness — States We Serve
The Paradise Assured Health & Wellness Advantage is available to qualifying employers throughout all 9 states. Paradise Assured Insurance Agency is licensed in:
New York — Serving employers in New York City, Buffalo, Rochester, Yonkers, Syracuse, Albany, White Plains, Long Island, Westchester County, Hudson Valley, and all of New York State.
Florida — Serving employers in Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, Boca Raton, West Palm Beach, Naples, Sarasota, Fort Myers, and all of Florida.
New Jersey — Serving employers in Newark, Jersey City, Paterson, Elizabeth, Edison, Toms River, Trenton, Cherry Hill, and all of New Jersey.
Connecticut — Serving employers in Bridgeport, New Haven, Hartford, Stamford, Waterbury, Norwalk, Danbury, Greenwich, and all of Connecticut.
Arizona — Serving employers in Phoenix, Tucson, Mesa, Chandler, Scottsdale, Glendale, Gilbert, Tempe, Sun City, and all of Arizona.
Tennessee — Serving employers in Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Franklin, and all of Tennessee.
Indiana — Serving employers in Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, Fishers, Bloomington, and all of Indiana.
Delaware — Serving employers in Wilmington, Dover, Newark, Middletown, Smyrna, and all of Delaware.
West Virginia — Serving employers in Charleston, Huntington, Morgantown, Parkersburg, Wheeling, and all of West Virginia.
All employer consultations are available by phone or virtually at your convenience. No office visit required. Implementation is conducted virtually or on-site, depending on your preference and location.
Frequently Asked Questions — Employer Health & Wellness
Q: What exactly is Section 125, and why have I never heard of it?
A: Section 125 of the Internal Revenue Code — established by Congress in 1978 — allows employees to pay for qualifying benefits with pre-tax dollars. When employees make pre-tax benefit contributions, both the employer and employee reduce their taxable payroll — generating FICA tax savings for both parties on every paycheck. Large corporations have used Section 125 strategies for decades because they have dedicated benefits teams whose job is to capture every available tax advantage. Most small and mid-size employers have never had this explained to them — and as a result, they are leaving real money on the table every single payroll cycle. The Paradise Assured Health & Wellness Advantage brings this same tax strategy to employers of all sizes — from 10 employees to 10,000 or more.
Q: Is Section 125 at risk of being eliminated?
A: Section 125 is codified federal law — established by Congress as part of the Internal Revenue Code in 1978 and continuously in force for nearly five decades. Eliminating or materially changing Section 125 would require bipartisan Congressional action — an extraordinary legislative undertaking. Section 125 is one of the most stable and enduring provisions in the US tax code. Qualifying employers can implement a Section 125 strategy today with confidence in its legal foundation.
Q: Our company already works with a group benefits broker. Does this program compete with their services?
A: No. The Paradise Assured Health & Wellness Advantage does not replace your group health plan or any benefits your current advisor manages. It is a Section 125 health enhancement program that adds a layer of health wellness, and protection benefits your existing plan does not provide — while generating FICA tax savings that most group benefits brokers do not offer as part of their practice. Many group benefits advisors welcome this program as an enhancement to their client relationships. If your organization has an existing benefits advisor, Paradise Assured Insurance Agency welcomes the opportunity to speak with them directly about how this program complements their work.
Q: We already use a PEO — are we eligible for this program?
A: Yes. The Paradise Assured Health & Wellness Advantage complements a PEO relationship — it does not replace it. PEOs provide valuable HR administration and group benefits access. What most PEOs do not provide is a health enhancement program that generates additional Section 125 FICA tax savings while giving employees access to telehealth, personalized wellness, identity protection, legal services, prescription savings, and a complete wellness ecosystem. You keep your PEO and everything it provides. You simply add the Paradise Assured Health & Wellness Advantage as an enhancement layer that fills the gaps your PEO is not addressing — and captures savings your PEO is not generating.
Q: Does this program replace our existing group health insurance?
A: No. The Paradise Assured Health & Wellness Advantage does not replace or disrupt your existing group medical plan or any supplemental benefits your employees currently have. In fact, employers must have an existing group medical plan or Minimum Essential Coverage equivalent in place to qualify. This program is a pure enhancement — adding a comprehensive layer of health, wellness, and protection benefits on top of what you already provide.
Q: How can this program be no net cost to our business?
A: The program is funded through a Section 125 pre-tax premium deduction. The resulting reduction in taxable payroll generates FICA tax savings for the employer on every participating employee every payroll cycle. For many qualifying employers, these FICA savings equal or exceed the program administration fee — resulting in a net zero or net positive financial outcome. A customized Pro Forma analysis is provided before enrollment, showing your organization's specific projected savings. We recommend consulting with a qualified tax advisor or benefits administrator to confirm the tax implications for your specific organization.
Q: Will our employees' take-home pay change?
A: For most participating employees, take-home pay remains the same as before enrollment. The program fee is deducted pre-tax, reducing taxable income. The employee receives an after-tax program reimbursement and a benefit reserve for voluntary benefits. The net result is the same take-home pay with a full suite of health, wellness, and protection benefits now available for the employee and their family. Individual results may vary based on each employee's specific tax situation.
Q: What are the minimum requirements to offer this program?
A: Employers must have a minimum of 10 W-2 full-time employees averaging at least 30 hours per week and an existing group medical plan or Minimum Essential Coverage equivalent in place. There is no maximum employee count. Company owners are not eligible to participate. Each participating employee must actively opt in and sign an attestation form confirming they meet the participation requirements.
Q: How long does implementation take?
A: From decision to first payroll is typically 30 to 45 days. Employer savings begin immediately in the first payroll run after the effective date. Our implementation team handles the payroll setup process — including pay code configuration testing and a mock payroll run — to ensure a smooth and accurate first live payroll.
Q: What happens with new hires and employee terminations?
A: New hires and terminations are processed on a monthly basis with full administrative support. New hires who elect to participate receive an individual quote and complete an attestation form. The program is designed to be administratively simple for employers — our team handles the ongoing support, so your HR team does not have to manage a complex new administrative burden.
Your Employees Need This. Your Business Deserves This. The Time to Act Is Now.
Right now — today — your employees are facing health challenges, financial stress, and benefit gaps that your current benefits package was never designed to address. And right now — today — your business is leaving real money on the table every single payroll cycle through an underutilized Section 125 tax strategy that most employers have never been shown.
The Paradise Assured Health & Wellness Advantage changes both of those realities — simultaneously — at no net cost to your business and no reduction in employee take-home pay.
Every month without this program is another month your employees go without the health and wellness resources they need. And another month, your business absorbs payroll taxes it did not have to pay.
The first step takes 30 minutes. A discovery call with Paradise Assured Insurance Agency. No obligation. No pressure. Just a clear and honest conversation about what this program can do for your organization and your people.
Andrew M. Lax and the Paradise Assured team are ready to show you exactly what your business has been missing — and exactly what it will look like when it is no longer missing.
Paradise Assured Insurance Agency charges no direct fee for employer health and wellness consultations. Our compensation is provided upon the successful implementation of the program. Employers should consult with a qualified tax advisor or benefits administrator regarding the specific tax implications of Section 125 plan strategies for their organization.
Curious about how Paradise Assured works with clients? Visit our Process page to learn more about our discovery and planning approach.