THREE ILLUSTRATIONS
25, 500 and 2,000 employees, run at their numbers.
None of these is a client. Each is an illustration at one headcount and one average salary, through the same engine as the paycheck and company chapters. Your proposal runs it on your own payroll, person by person.
ILLUSTRATION 1 · 25 EMPLOYEES · MICHIGAN
A 25-person dental practice.
One office, a fully insured medical plan, an office manager who runs payroll on Gusto. Small enough that every person fits on one proposal page.
$22,011
a year the company is designed to keep, at 23 enrolled: $957 each, after the program's costs.
+$96.25
a month more take-home for each enrolled employee, at a $48,000 salary, with the benefits on top.
- On payroll
- 25
- Enrolled, by design
- 23 (90%)
- Average salary
- $48,000
- The company keeps, each year
- $22,011
- Over five years, same headcount
- $110,055
- Each enrolled employee, a month
- +$96.25
- Each enrolled employee, a year
- +$1,155.00
The same engine as the paycheck and company chapters, at the average salary. A real proposal runs every person.
One stub, before and after, at the average salary
| Gross pay | $4,000 |
|---|---|
| Quantum 125 premium, before tax | |
| Federal income tax | $333 |
| Social Security | $248 |
| Medicare | $58 |
| State income tax | $126 |
| State disability | $44 |
| Total taxes | $808.56 |
| Benefit payment, Quantum 125 | |
| Net pay | $3,191 |
| Gross pay | $4,000 |
|---|---|
| Quantum 125 premium, before tax | −$1,500 |
| Federal income tax | $153 |
| Social Security | $155 |
| Medicare | $36 |
| State income tax | $41 |
| State disability | $28 |
| Total taxes | $412.31 |
| Benefit payment, Quantum 125 | +$1,200 |
| Net pay | $3,288+$96.25 |
ILLUSTRATION 2 · 500 EMPLOYEES · OHIO
A 500-person manufacturer.
Hourly and salaried staff at two plants, self-funded medical, a CFO who reads the four documents before anyone else does.
$430,650
a year the company is designed to keep, at 450 enrolled: $957 each, after the program's costs.
+$96.25
a month more take-home for each enrolled employee, at a $55,000 salary, with the benefits on top.
- On payroll
- 500
- Enrolled, by design
- 450 (90%)
- Average salary
- $55,000
- The company keeps, each year
- $430,650
- Over five years, same headcount
- $2,153,250
- Each enrolled employee, a month
- +$96.25
- Each enrolled employee, a year
- +$1,155.00
The same engine as the paycheck and company chapters, at the average salary. A real proposal runs every person.
One stub, before and after, at the average salary
| Gross pay | $4,583 |
|---|---|
| Quantum 125 premium, before tax | |
| Federal income tax | $403 |
| Social Security | $284 |
| Medicare | $66 |
| State income tax | $159 |
| State disability | $50 |
| Total taxes | $962.65 |
| Benefit payment, Quantum 125 | |
| Net pay | $3,621 |
| Gross pay | $4,583 |
|---|---|
| Quantum 125 premium, before tax | −$1,500 |
| Federal income tax | $223 |
| Social Security | $191 |
| Medicare | $45 |
| State income tax | $74 |
| State disability | $34 |
| Total taxes | $566.40 |
| Benefit payment, Quantum 125 | +$1,200 |
| Net pay | $3,717+$96.25 |
ILLUSTRATION 3 · 2,000 EMPLOYEES · FLORIDA
A 2,000-person hospitality group.
Hourly, high turnover, many on the lowest tier. Shown at Plan 1500; the proposal places each person on a tier, and lower earners keep every virtual benefit.
$1,722,600
a year the company is designed to keep, at 1,800 enrolled: $957 each, after the program's costs.
+$96.25
a month more take-home for each enrolled employee, at a $42,000 salary, with the benefits on top.
- On payroll
- 2,000
- Enrolled, by design
- 1,800 (90%)
- Average salary
- $42,000
- The company keeps, each year
- $1,722,600
- Over five years, same headcount
- $8,613,000
- Each enrolled employee, a month
- +$96.25
- Each enrolled employee, a year
- +$1,155.00
The same engine as the paycheck and company chapters, at the average salary. A real proposal runs every person.
One stub, before and after, at the average salary
| Gross pay | $3,500 |
|---|---|
| Quantum 125 premium, before tax | |
| Federal income tax | $273 |
| Social Security | $217 |
| Medicare | $51 |
| State income tax | $97 |
| State disability | $39 |
| Total taxes | $676.47 |
| Benefit payment, Quantum 125 | |
| Net pay | $2,824 |
| Gross pay | $3,500 |
|---|---|
| Quantum 125 premium, before tax | −$1,500 |
| Federal income tax | $93 |
| Social Security | $124 |
| Medicare | $29 |
| State income tax | $12 |
| State disability | $22 |
| Total taxes | $280.22 |
| Benefit payment, Quantum 125 | +$1,200 |
| Net pay | $2,920+$96.25 |
SCHEDULE A MEETING
Run it on your payroll.
We welcome your CPA or tax attorney on the first call. Bring anyone you’d like. We’d love to walk them through the math, and your CPA files the documents anyway.
Or call 248.742.0065Mon – Fri: 9:00 AM – 5:00 PM
