Check off what you have ready. Bring the open items to your plan administrator and payroll team.
Ready?
Have this in writing
Ask the owner
Have this in writingCovered benefits, eligible groups, effective date.
Ask the ownerWho prepares and maintains it?
Have this in writingSign-up steps, deadlines, and permitted changes.
Ask the ownerWho keeps the election records?
Have this in writingApproved deduction codes and tax treatment.
Ask the ownerHave we tested a normal check, new hire, and low-wage check?
Have this in writingReconciliation, required testing, and updates.
Ask the ownerWho checks each payroll and handles changes?
Ready for a supplemental benefit? Use the form above to review fit and setup. For a standalone cafeteria-plan document, speak with your plan administrator.
Employer payroll
See what your business could save
Choose your team size and how many people might join. We’ll do the math.
Your calculator result
Your yearly savings estimate
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Choose your team size and state. Your savings estimate will appear here.
This is an estimate. We’ll check who can join, your savings, and any plan costs with you.
01
Confirm the plan document and elections
Ask your administrator to identify the written plan, eligible groups, election process, effective date, and rules for changes. Confirm who keeps the enrollment records and sends required notices.
02
Test ordinary and unusual pay periods
Work with payroll to review test cases for a regular paycheck, a new hire, and a check with insufficient wages. Confirm that the deduction and taxable wage amounts agree with your documented treatment.
03
Assign the ongoing checks
Set an owner for plan updates, reconciliation, and any required nondiscrimination testing. Keep a change log that says what changed, who approved it, and when payroll applied it.
Questions employers ask
Can employees change elections whenever they want?
The written plan and applicable election rules govern changes. Ask your administrator which events and deadlines apply before promising a change to an employee.
What costs should I compare before I sign?
Ask for setup fees, monthly fees, employer contributions, and payroll work in writing. If a provider quotes savings, ask which costs are already included. Compare the total with what you pay today.
What should I ask a provider?
Ask who can join, what employees get, who handles payroll setup, and how savings are checked. This page’s form is for our supplemental benefits program. Ask your plan adviser about standalone plan documents or administration.
Can an existing cafeteria plan be used?
Ask your administrator whether the existing written plan covers the proposed benefit and what amendments or payroll changes would be needed.
Find out how much more your business could keep
See what you could save. Then let’s check the numbers for your team.