Every dollar an employee routes through an HSA, FSA, or Commuter account is a dollar the PEO doesn't pay 7.65% FICA on. Model your book in seconds.
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Employee + employer pre-tax contributions paired with an HDHP.
Pre-tax election for qualified medical expenses.
Pre-tax election for childcare and dependent care expenses.
Pre-tax transit and parking — up to $340/mo each in 2026.
Your worksite employees keep an additional $3,763,800 in FICA + income taxes annually — a meaningful retention and recruitment lever.
FICA is the employer's required match on Social Security and Medicare. Pre-tax benefit accounts shrink the wages it applies to.
Worksite employees fund HSAs, FSAs, Dependent Care, or Commuter accounts from gross pay.
Those contributions are excluded from FICA wages — for both the employee and the employer.
Every pre-tax dollar saves 6.2¢ Social Security + 1.45¢ Medicare. It compounds fast across thousands of employees.
Across 30,000 employees electing pre-tax benefits, that's millions in savings dropped to the PEO's bottom line.