Trio converts employer FICA tax savings into enhanced employee benefits and increased take-home pay — at zero net cost to your business. Backed by 55+ years of IRS precedent.
Qualifying employers: 50–10,000+ W-2 employees.
Most benefit programs require someone to lose. Trio is different. The FICA tax savings it creates are large enough to fund meaningful benefits for employees, meaningful savings for employers, and a genuinely useful program for the advisors who bring it to their clients.
You are already paying payroll taxes. Trio redirects a portion of what you were paying to the IRS into a benefits program for your employees. Your tax liability decreases. Your savings stay in your account. Your team gets a more competitive total compensation package — without a dollar added to your budget.
You pay less in taxes. That difference funds a healthcare concierge, voluntary insurance options, and an increase in your take-home pay. No enrollment fee. No reduction in your paycheck. Healthcare services through Amaze Health are provided at no copay or deductible through the plan — for you, your spouse, and your children.
You introduce Trio to a client. We handle the analysis, enrollment, implementation, and administration — you never manage a claim or answer an employee question. Trio supplements what you already offer without replacing anything, and full compliance documentation is available for CPA and CFO conversations.
Trio works within the payroll system your business already uses. It is a restructuring of how a portion of employee compensation runs through payroll — and that restructuring is what generates the tax savings.
See the Full ProcessWe collect basic payroll data — no Social Security numbers, no private information — and calculate the exact FICA tax savings your business and employees will generate.
No cost. No obligation.Over a 2–3 week enrollment window, your employees choose the benefits that work best for them. We handle education, questions, and setup.
We do 97% of the work.Starting with the first payroll cycle, employees see their benefits and pay increase. You see your FICA tax liability decrease. You do not manage any of it.
ROI visible immediately.This is not experimental. The FICA tax savings that fund Trio come from IRC Sections 125, 105, and 213(d) — the same framework that governs employer health insurance premiums and flexible spending accounts. Most employers simply haven't been shown how to use it.
Legal support and plan design. 37+ years specializing exclusively in ERISA and employee benefits law. Provides an audit defense policy for both the employer and enrolled employees.
Legal SupportThird-party administrator. Specialists in self-funded employer benefit plans and alternative risk solutions. Manages all plan documentation, tracking, and reporting.
AdministrationEmployee-facing concierge platform. Clinician-staffed virtual healthcare, specialist navigation, mental health support, and urgent care — provided at no copay or deductible through the plan.
Member ExperienceIf your CPA, CFO, or benefits broker has questions about this program, we welcome the conversation. Our legal team has walked hundreds of advisors through the structure, and we provide a full compliance documentation package on request.
“He was treated, diagnosed, and home — without leaving his bed.”
A member woke up with a gout flare-up, joints too painful to move. He opened the Amaze app, described his symptoms, and was connected to a physician who diagnosed him over the phone. His prescription was sent to his local pharmacy, and the app notified his wife, who brought it home. He never left his bed.
— Amaze Health concierge member
“I was spending $800 a month on my kids' mental health care. Now it's zero.”
Two children in weekly therapy and monthly psychiatry visits — all out of pocket, even with primary health insurance. After enrolling in Trio, both kids receive weekly care through the Amaze platform at no copay or deductible. Annual savings now exceed $10,000.
— Trio plan member
“$91,000 that was going to the IRS is now staying in our payroll account.”
A facility services company with 152 W-2 employees ran a payroll analysis. With full enrollment, annual employer FICA savings are projected at over $91,000 — and their employees received access to the Amaze Health concierge in the same cycle, at zero net cost to the employer.
— Employer, facility services industry (composite, representative of actual outcomes)
Trio changes that equation. It takes 20 minutes to see whether it works for your business — no cost, no obligation, no private data required.