Employer FICA Recovery
Your WIMPER Plan. Built for Hawaii Employers.
The local implementation partner of WIMPER Institute. Hawaii employers already invest in employee health coverage. WIMPER helps you structure that investment to recover FICA tax dollars through a compliant Section 125 and 105 integration. Your plan. Your savings. We just help.
Why Hawaii Employers Run a WIMPER Plan
- Recover 7.65% employer FICA on qualifying pre-tax contributions
- Works alongside your existing health coverage and the Prepaid Health Care Act
- Increase employee take-home pay through pre-tax structuring
- Deliver $1,800+ in supplemental benefits at no net cost to your business
- Your plan, your control. We help you set it up and keep it compliant.
How the WIMPER Program Works
IRC §125 Cafeteria Plan
Employees elect pre-tax contributions, reducing taxable wages for both you and your team. This is a well-established IRS structure that has been in place for decades.
IRC §105(b) Reimbursement Plan
An employer-funded self-insured medical reimbursement plan covers qualifying medical expenses. Reimbursements are tax-free when properly structured.
Employer-Owned, Employer-Run
This is your plan. Not a vendor product. Not a third-party scheme. You own it, you run it, and Brandon helps you keep it compliant and running smoothly.
FICA Savings Calculator
The Hawaii Advantage
You Already Provide Coverage
Hawaii's Prepaid Health Care Act means you're already investing in employee health insurance. WIMPER layers on top of that existing coverage to unlock FICA savings you're currently leaving on the table.
Local Implementation Team
Brandon Attebury and the local team work directly with Hawaii businesses. They know the regulatory landscape here and will walk you through every step of setup.
Every Dollar Matters
Operating in Hawaii is expensive. FICA recovery puts real money back into your business. A 100-person company can save $89,600+ per year without changing your existing health plan.
How We Help You Get Started
1. ProForma Analysis
We look at your payroll data and project your exact FICA recovery based on employee count and estimated participation.
2. Plan Structuring
Plan documents are built to meet IRS requirements for Section 125 and Section 105(b). Everything is structured for compliance from day one.
3. Payroll Integration
A test payroll cycle validates the integration before go-live. Works with ADP, Paychex, QuickBooks, Gusto, and other systems.
4. Ongoing Support
Your compliance vault, nondiscrimination testing, and annual reporting are handled. You run the plan. We keep the paperwork clean.
WIMPER Hawaii is the local implementation partner of
WIMPER InstituteThe national authority on IRS-compliant Section 125 & 105 employer programs. Visit wimperinstitute.org →
Ready to See Your Numbers?
Request a ProForma based on your company's actual payroll data. Takes about 2 minutes. No obligation.
Request Your ProForma