A recurring, measurable return, backed by named carriers, built to survive scrutiny.
$600 - $900 per participating employee, per year.
Recurring. Measurable. Not a one-time credit.
This is the Workforce Dividend: a recurring annual return generated through the §125 payroll structure already in place. It's funded entirely through payroll mechanics, not a new expense line, not a rebate, not a discount contingent on volume.
After a modest monthly administrative fee, the Workforce Dividend generated exceeds the cost of running it. There's no ramp-up period where the structure costs more than it returns. The math works from the first payroll cycle.
Administrative Fee
Workforce
Dividend
Generated
Gap coverage doesn't just protect employees, it changes their behavior at open enrollment. Because the exposure on a high-deductible plan is now backstopped, employees can confidently choose lower-premium HDHPs instead of defaulting to richer, more expensive plans out of fear. That shift moves your overall plan costs in the right direction, without you having to sell anyone on a "worse" plan. The Workforce Dividend recurs. This is a second, related return sitting on top of it.
This structure isn't run through an unnamed "network." It's backed by:
AM Best A− rated with a positive outlook, $12B admitted assets, $747M in 2024 direct premiums, licensed in 48 states plus DC and Puerto Rico. Subsidiary of Group 1001 ($76.4B AUM), with affiliated capital through Guggenheim Partners and TWG Global ($345B+).
one of the largest insurers in the world, backing the supplemental gap coverage.
the platform infrastructure, SOC 3 audited (clean opinion Feb 2025), PCI compliant, trusted by BCBS, Cigna, Zurich, Chubb, Mercer, and Disney.
SmartHealth+'s carrier-backed structure is built specifically to address the concerns raised in IRS CCA 202323006, a memo that flagged certain self-funded, unbacked wellness arrangements. This structure is different: every dollar of coverage is backed by named, rated carriers, not a self-administered plan design. Your CPA is welcome to review the full compliance brief before you move forward.
Download the Compliance BriefThis isn't a structure that depends on you not asking questions. Every claim here is backed by a named carrier or a verifiable credential, and the compliance position is built to withstand exactly the kind of scrutiny your role requires.
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