You Already Provide Health Coverage
Hawaii is the only state with a Prepaid Health Care Act (HPHCA) that requires employers to provide health insurance to employees working 20 or more hours per week. This means you are already making the investment in employee health coverage.
Most states do not have this requirement. Hawaii employers carry a cost that mainland competitors often do not. The WIMPER program helps you recapture some of that investment through FICA tax recovery.
How WIMPER Layers On Top
The WIMPER program does not replace your existing health plan. It does not modify your HPHCA-compliant coverage. It layers a compliant Section 125/105 structure alongside what you already have.
Here is what that looks like in practice:
- Your existing health plan stays exactly as it is. No changes to carriers, premiums, or employee coverage.
- A Section 125 cafeteria plan is added, allowing employees to make pre-tax contributions that reduce taxable wages.
- A Section 105(b) SIMRP is established to reimburse qualifying medical expenses tax-free.
- Both you and your employees save on FICA taxes. You recover approximately $1,120 per enrolled employee per year. Employees keep more of their paycheck.
The Math for Hawaii Employers
Hawaii’s cost of living is among the highest in the nation. Every dollar matters when you are running a business here. Consider what FICA recovery looks like at different company sizes:
| Employees | 80% Participation | Annual FICA Savings |
|---|---|---|
| 25 | 20 enrolled | $22,400 |
| 50 | 40 enrolled | $44,800 |
| 100 | 80 enrolled | $89,600 |
| 250 | 200 enrolled | $224,000 |
| 500 | 400 enrolled | $448,000 |
These are employer-side savings. Employees also see reduced FICA on their end, increasing take-home pay without any cost to you.
Local Team, Local Knowledge
WIMPER Hawaii is the local implementation partner of WIMPER Institute, the national authority on employer FICA recovery programs. While the Institute provides the educational foundation and compliance frameworks, WIMPER Hawaii puts that into practice for local employers.
Brandon Attebury and the implementation team work directly with Hawaii businesses. They know the regulatory landscape here. They understand how the Prepaid Health Care Act intersects with federal tax code. And they handle the entire setup process so you can focus on running your business.
This is not a mainland call center. When you have questions, you talk to someone who knows Hawaii.
Compatible With Your Existing Systems
The WIMPER program integrates with the payroll systems Hawaii employers already use:
- ADP
- Paychex
- QuickBooks
- Gusto
- Hawaii Payroll Services
- And most other modern payroll platforms
Implementation takes 30 to 45 days. A test payroll cycle validates everything before go-live.
Your Plan, Not Ours
The WIMPER program is employer-owned and employer-run. This is not a vendor subscription or a managed service that you depend on. You own the plan. You run it. Brandon helps you set it up and keeps the compliance paperwork clean. But the plan, the savings, and the control belong to you.
That is the difference. This is not something being sold to you. It is something you build into your business.
Ready to see your numbers? Request a ProForma based on your company’s actual payroll data.