Supplemental Health Plan | Big Wolf Solutions
Supplemental Health Plan

Better employee benefits that add to your bottom line.

The supplemental health plan gives your team meaningful coverage at no net cost to you or them, and returns an average of $540 per employee, per year, to your business through payroll tax savings.

No recovery, no fee 100% free analysis Fully confidential
Why employers add supplemental health

A benefit that pays you back, not another line item on the budget.

$540 net gain per employee

On average, per employee, per year, a recurring return that grows with your headcount.

Real coverage for your team

Telehealth, wellness, and supplemental benefits employees actually use, with no reduction in take-home pay.

Payroll tax savings

The plan is structured to be FICA-efficient, lowering employer payroll tax while funding benefits.

Fully compliant

Built on established Section 125 and wellness frameworks, clean, documented, and audit-ready.

Better retention

Stronger benefits help you attract and keep talent without raising base compensation costs.

Zero net cost to roll out

No new budget required. The plan is designed to be cost-neutral to employer and employee alike.

Is it a fit?

Built for businesses with W-2 teams. If you run payroll, it's worth a quick look.

Great fit

  • ✓Businesses with roughly 10+ W-2 employees
  • ✓Owners who want to boost benefits without raising cost
  • ✓Teams looking to improve retention and morale
  • ✓Companies already running standard payroll
  • ✓Employers wanting a compliant, documented program

Probably not a fit

  • ×Sole proprietors with no W-2 staff
  • ×1099 / contractor-only workforces
  • ×Businesses not running formal payroll

Not sure where you land? A quick call settles it, free.

How it works

Set up once, benefit every pay period. We handle enrollment, compliance, and administration.

1

Free benefits review

We look at your headcount and payroll to project your savings and your team's coverage.

2

We design the plan

The supplemental health plan is configured for your business and built on a compliant Section 125 framework.

3

Simple enrollment

Employees enroll in minutes. We handle the paperwork and the heavy lifting.

4

Ongoing administration

We manage compliance and support so the savings keep flowing with no extra work for you.

By the numbers

A benefit with a measurable return.

$540
Average net gain per employee, per year
$0
Net cost to employer and employee
100%
Compliant, documented program
10+
W-2 employees is the typical starting point
Common questions

Supplemental health plan questions, answered.

How can it add money and cost nothing?

The plan is structured to be FICA-efficient. The payroll tax savings it creates more than cover the program, leaving a net gain for the business while funding real benefits for employees.

Will my employees' take-home pay drop?

No. The plan is designed so employees keep their take-home pay and gain supplemental coverage on top of it.

Is this compliant?

Yes. The plan is built on established Section 125 and wellness frameworks, fully documented and audit-ready.

How many employees do I need?

It typically makes sense at around 10 or more W-2 employees, but the free review will tell you exactly where you stand.

No cost. No commitment. No risk.

Find out what your business qualifies for.

The average business we work with recovers $70,000 or more in year one. The discovery call is free, the analysis is free, and you only move forward when the numbers make sense.

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