At Renaissance Advisory, we help companies save $600–$1,190 per W-2 employee annually, while enhancing employee benefits at no added cost.
Our Preventative Care Health Plans help employers unlock $600–$1,190 in annual payroll tax savings per W-2 employee — while providing your team with high-impact health benefits at no out-of-pocket cost.
The plan layers seamlessly on top of your existing benefits with no changes to your current insurance, no impact on employee take-home pay, and zero disruption to payroll. It’s 100% IRS, ACA, and HIPAA compliant, and fully managed from end to end — including setup, onboarding, and ongoing compliance. The result? A healthier, happier team and real savings for your business — all without increasing your budget.
We offer two streamlined Section 125 plans depending on your goals:
Ideal for companies who want immediate tax savings and essential healthcare perks.
Maintain same gross wages
Net employee pay increases ~$100/month
Employer saves $600/year per W-2
Includes pre-tax deduction optimization
Virtual care, generic RX, and mental health access
Everything in Thrive, plus expanded preventative care & family coverage.
$0 copay benefits for employees and dependents
Preventive lab screenings (Quest), DNA wellness
Group term life insurance
Hospital indemnity & EAP (Employee Assistance Program)
Optional MEC coverage at no additional cost
Send us a basic census. We’ll estimate your tax savings and employee impact.
Pick between Thrive or Revive (or offer both by role/department).
We integrate directly with 50+ payroll providers—no disruptions.
Employees enroll digitally. We handle education, compliance, and support.
Employer tax savings and employee benefit access begin within 1–2 pay cycles.
All benefits are included at no cost to the employee — no copays, no deductibles, and no disruption to existing coverage. These perks apply to employees and their families, depending on the plan tier.
Talk to a licensed doctor anytime — day or night.
Expert coaching for diet, fitness, and healthy habits.
Access virtual therapy and emotional support when it’s needed most.
ACA-compliant coverage for employees who may not qualify for traditional group plans.
Wellness guidance customized to individual goals and needs.
12 visits per employee per year, plus 12 visits for each covered child.
Confidential help for stress, legal issues, finances, relationships, and more.
Access to a nationwide lab network for screenings and tests.
Annual wellness checks, biometric testing, DNA screening, and early detection support.
Generic prescriptions with no copays for covered formularies.
Extra protection for unexpected events like hospital stays or serious illness.
3 in-person urgent care visits per year — fully covered.
“Implementing the Revive plan was one of the easiest decisions we’ve made as a company. We saved over $130,000 in payroll taxes last year alone across our restaurant locations — and the best part is that our employees didn’t see any drop in pay. In fact, they now have access to benefits like telehealth, RX coverage, and mental health support that we previously couldn’t afford to offer. We didn’t need to change anything about our payroll or health plan. It all just layered on top. Our retention numbers improved significantly, and our team is happier and more engaged.”
Regional Franchise Operator
“We were skeptical at first, but after reviewing the numbers and having our CPA verify everything, it was a no-brainer. Renaissance helped us roll out the Thrive plan to 30+ field employees. Not only did we save nearly $20,000 in payroll taxes, but our workers saw an extra $80 to $100 per month in their checks — without changing their hourly wages. That’s real value, and it boosted morale during a time when inflation was hitting hard. Implementation was smooth, and their team handled everything from employee education to payroll integration.”
Director of Operations
Get a no-obligation proposal with a personalized savings estimate based on your company’s unique structure and needs.
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