Forvis Mazars is sharing The CHAMP Plan™ with select business clients as a payroll optimization strategy that reduces FICA obligations, increases employee net pay, and strengthens your benefits offering — with zero disruption to your existing health plan.
Shared with select Forvis Mazars clients for consideration · IRS Section 125 Compliant · Not legal or tax Advice
Your existing coverage remains fully intact
FICA reduction begins with the first payroll cycle
Employees take home more without a raise
Competitive benefits without added cost
The CHAMP Plan™ is not a new health insurance product. It is a structured financial strategy built on established IRS Section 125 payroll tax principles — one that Forvis Mazars is making available to select business clients as part of a broader conversation about operational efficiency and employee compensation.
By compliantly reducing taxable payroll wages, CHAMP delivers measurable bottom-line value for employers and employees alike — without disrupting your current benefits structure or requiring a change in carriers.
Built around established tax code — not a healthcare product redesign or insurance replacement.
Employers reduce FICA liability. Employees increase net pay. Both benefit from the same structure.
Brought to your attention by Forvis Mazars as a strategy employers are actively evaluating.
Employers being introduced to The CHAMP Plan™ through Forvis Mazars are evaluating it across four dimensions — each of which addresses a distinct pressure point in today's business environment.
Your existing health coverage remains fully intact. CHAMP layers on top of your current plan without requiring changes to carriers, networks, or employee elections.
Employees gain access to $0 out-of-pocket primary care, virtual health visits, behavioral health support, and 600+ covered prescription medications — at no additional premium.
Taxable wages are reduced, directly lowering FICA obligations for the employer. The result is improved cash flow from the first payroll cycle — without capital investment.
When employees see increased net pay and access to meaningful benefits, satisfaction and loyalty follow. CHAMP helps you compete for talent without raising base salaries.
When Forvis Mazars introduces The CHAMP Planâ„¢ to a business client, the implementation path is straightforward. There is no disruption to HR systems, no re-enrollment period, and no change to your existing carrier relationships.
Most employers introduced through an advisory firm complete enrollment within 30 days. Your Forvis Mazars advisor or benefits coordinator manages the technical implementation — your team reviews and approves the updated payroll structure.
This is the comparison Forvis Mazars clients are reviewing. The difference is immediate and measurable — with no change to base wages or annual compensation.
- Higher taxable wage base
- Full FICA and income tax applied
- No supplemental health benefits
- Lower net take-home pay
- Employee absorbs full tax burden
- Reduced taxable wage base
- Net increase in take-home pay
- $0 out-of-pocket care included
- In-person and virtual care access
- Mental health, pharmacy, and wellness benefits included
Every participating employee reduces the employer's taxable payroll base. That FICA savings — typically 7.65% of redirected compensation — flows directly to the bottom line. This is why Forvis Mazars is presenting CHAMP to select business clients: the financial impact is material, recurring, and requires no capital investment.
For businesses with 25, 50, or 100+ employees, the aggregate savings compound meaningfully. CHAMP scales proportionally with your workforce — the financial benefit grows as your team grows, with no additional administrative burden.
Applied to each dollar of redirected compensation
No capital outlay required to implement
Most employers are fully enrolled within one month
Savings multiply with every participating W-2 employee
As part of the strategy Forvis Mazars is sharing with select clients, employees gain access to a comprehensive suite of healthcare services — many at $0 out-of-pocket cost. These are clinically meaningful, frequently utilized services that reduce the real cost of care for your workforce.
In-person and clinic visits with zero cost-sharing for the employee.
Around-the-clock telehealth access for non-emergency medical needs.
Access to mental health and counseling services included in the benefit.
Generic and brand-name prescriptions covered across a broad formulary.
Annual wellness visits, screenings, and laboratory services included at no cost.
Extend the benefit to eligible dependents — expanding value across your entire workforce.
The business owners Forvis Mazars works with are navigating a familiar set of pressures: rising healthcare costs, competitive labor markets, and payroll structures that haven't been optimized in years. CHAMP was identified as a strategy that addresses all three — within a single, compliant framework.
Forvis Mazars is not endorsing CHAMP as a formal recommendation. Rather, it is being shared as a strategy that select clients are actively evaluating — one that operates within the payroll structure you already have and delivers results in the first cycle.
Premiums have outpaced wage growth for over a decade, compressing employer margins without improving coverage quality.
Workers evaluate total compensation — not salary alone. Benefits quality has become a primary retention driver.
Most employers are paying full FICA on wages that could be structured more efficiently — legally and compliantly.
Business owners require strategies that are IRS-defensible, CPA-approved, and operationally straightforward.
Every business Forvis Mazars works with has a different payroll profile. Headcount, wage structure, and existing benefits all affect the exact savings picture. That is why we offer a no-cost, no-obligation analysis tailored to your specific payroll data — prepared in the same format your advisor would expect to review.
The analysis is prepared in a format designed for business decision-makers and their advisors. You will receive a clear, line-by-line breakdown of projected savings — including FICA reduction, employee paycheck impact, and net employer cash flow — before committing to anything. This is shared for informational purposes only and does not constitute tax or legal advice.
Forvis Mazars clients can request a no-cost, no-obligation breakdown of their projected payroll tax savings, employee paycheck increases, and net employer impact. Most analyses are completed within 48 hours and delivered in a format ready for advisor review.
Your exact FICA reduction, calculated from your current headcount and wage structure.
Per-employee, per-paycheck net gain your team would receive upon enrollment.
Total annual cash flow improvement across your enrolled workforce.
Shared with select Forvis Mazars clients for informational purposes only · IRS Section 125 Compliant · Not legal or tax advice · Individual results may vary