Small Businesses, Big Impact: Rethinking Employee Benefits
Today’s employees expect more from their workplace—better support, better health access, and benefits that feel truly valuable. But for small and mid-sized businesses, budget and bandwidth often limit what’s possible.
The good news? There’s a smarter, fully compliant, cost-free way to deliver on both expectations and efficiency.
Enter Harmoni125, a modern program that leverages Section 125 cafeteria plan benefits alongside a fully managed Preventative Care Management Plan (PCMP) and a Self Insured Medical Reimbursement Plan (SIMRP). This isn’t just a compliance tool—it’s a full-scale benefits enhancement system, optimized for small business success.
With more than 30,000 employees already enrolled, Harmoni125 is helping businesses save money, support their teams, and build loyalty through thoughtful care. Here’s why it matters more than ever.
Understanding Section 125 Cafeteria Plans—And Why They Matter
A Section 125 cafeteria plan lets employees pay for certain eligible benefits (like insurance premiums or medical expenses) with pre-tax dollars, lowering their taxable income. It also reduces employer payroll tax liability, creating mutual savings with zero tradeoffs.
But that’s just the foundation. Harmoni125 expands on that concept, offering a fully managed system that includes:
- Pre-tax deductions via Section 125
- Preventative care tools and wellness coaching
- Medical reimbursements for everyday expenses
- Automated compliance and reporting
- 24/7 virtual care access
- Family Coverage with 12 Annual Care Visits
- Group Term Life Insurance coverage ($60–$100/month value)
- $0 copays across the board, including RX
- Minimal Essential Coverage (MEC) and Employee Assistance Program (EAP)
In other words, it’s not just a section 125 cafeteria plan benefits setup—it’s one of the most benefit-rich and compliant systems available to small businesses today.
What Makes Harmoni125 Different?
Unlike standard benefit providers, Harmoni125 is built with a small business lens: automation, affordability, and immediate ROI.
Here’s how the 3-in-1 system works:
1. Section 125 Pre-Tax Payroll Integration
Employees opt in to pre-tax deductions for eligible items, instantly reducing their taxable income. Employers save approximately $1,100 per W2 employee annually—a substantial increase from previous models.
2. Preventative Care Management Plan (PCMP)
Employees receive personalized wellness coaching, a Mayo Clinic-powered health dashboard, and access to behavioral health services—all at $0 copay.
3. Self Insured Medical Reimbursement Plan (SIMRP)
Covers everyday health needs like urgent care, prescriptions, counseling, and more. Employees are reimbursed automatically through a user-friendly system. RX coverage also comes with $0 copays.
These three elements work together to provide maximum value, without increasing employer costs or employee premiums.
Employer Benefits: A Cost-Saving Win
Harmoni125 is a financial game-changer for employers, particularly small and mid-sized businesses aiming to offer premium-level benefits at no cost. Here’s why:
- Save $1,100 per employee per year
That’s $110,000 in savings annually for a company with 100 employees. - No out-of-pocket cost to the business
All services are implemented and managed without requiring upfront investment. - 5–10% reduction in overall healthcare costs
Thanks to better preventative care and reduced claims. - Quick, automated setup in 30–45 days
Harmoni Care manages everything from implementation to compliance. - Immediate ROI
Payroll savings begin as soon as the first Harmoni125 paycheck is processed. - Boost retention and performance
Enhanced benefit packages improve employee satisfaction and reduce churn.
Employee Benefits: Wellness That Feels Personal
Traditional benefits are often too expensive, limited in scope, or inaccessible. Harmoni125 flips that narrative with a holistic, family-first approach. Here’s what employees gain access to:
- No change in take-home pay
Pre-tax deductions ensure net pay remains the same. - $0 copay for 24/7 telemedicine & virtual care
Employees can speak with doctors, nurses, or wellness experts anytime. - Group Term Life Insurance ($60–$100/month value)
This is a critical advantage not found in typical cafeteria plans. - Family coverage with 12 annual care visits
Spouses and dependents enjoy the same level of coverage and services. - Mental health and addiction support
Through an Employee Assistance Program and on-demand counseling. - Mayo Clinic health dashboard
Tracks wellness goals, preventative screenings, and personal metrics. - Minimal Essential Coverage (MEC)
Keeps your business ACA-compliant while ensuring basic care is covered. - Vision, dental, and prescription discounts
Including $0 copays on RX coverage.
This level of comprehensive care not only enhances employee well-being but also boosts loyalty and workplace culture.
How Harmoni125 Works in Practice?
Let’s look at a practical example to understand the impact of Harmoni125:
- Implementation Time: 30–45 days
- Annual Employer Payroll Tax Savings: $22,000 (based on 20 employees)
- Employee Benefits Provided:
- $0 copay 24/7 telehealth
- Group Term Life Insurance
- RX coverage with no copays
- Family coverage including urgent care
- Wellness coaching and mental health support
- $0 copay 24/7 telehealth
All of this was achieved without changing the existing health plan or retirement structure.
Why Now Is the Right Time?
Rising healthcare costs, increased employee expectations, and a tight labor market demand a new approach to benefits.
Harmoni125 makes it possible to support your team with a best-in-class program that doesn’t require more budget—just better planning.
Whether you run a law firm, tech startup, logistics company, or retail operation, Harmoni125 adapts to your workforce needs and scales with you.
And because all compliance, documentation, and IRS/ACA reporting is handled automatically by the Harmoni Care team, your HR department won’t feel the pressure.
Harmoni125 vs Traditional Section 125 Plans
| Feature | Traditional Cafeteria Plan | Harmoni125 |
| Pre-tax savings | Yes | Yes |
| Group Term Life Insurance | No | Yes ($60–$100/month value) |
| Family Coverage | Limited | 12 annual visits, fully covered |
| Mental Health Services | Co-pay required | $0 Copay EAP, counseling |
| RX Coverage | Standard co-pays | $0 Copay RX |
| Urgent Care | Not included | In-person visits, fully covered |
| Setup & Administration | Manual | Automated, fully managed |
| Compliance & Reporting | Internal HR | Fully included |
The Final Word
A standard employee benefits cafeteria plan might help with basic compliance, but it won’t move the needle on employee engagement or business savings.
Harmoni125 leverages the power of a Section 125 plan and enhances it with truly modern features—Group Term Life Insurance, full family care, RX at $0 copay, and automated compliance.
With more than 30,000 employees enrolled and small businesses saving tens of thousands annually, Harmoni125 isn’t just an upgrade—it’s a strategic decision.
Take the Next Step Toward Smarter Benefits
Your team deserves a benefit solution that’s modern, flexible, and focused on real wellness.
Let Harmoni Care show you how Harmoni125 can elevate your business, support your employees, and drive long-term value without additional cost.
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