Trio adds one legally permissible pre-tax offset to your payroll. Taxes are calculated on a lower number, both employer and employees pay less — and that difference funds the program. Here's exactly how.
Qualifying employers: 50–10,000+ W-2 employees.
FICA taxes are split equally between employers and employees — 7.65% each — calculated on each employee's taxable gross wages. Certain pre-tax deductions already reduce that number: health insurance premiums, 401(k) contributions, FSA elections.
Trio adds one additional, legally permissible pre-tax offset under IRC Section 125. Because taxes are calculated on a lower number, both parties pay less. That savings funds the program — which is why the net cost to your business is zero.
Illustrative example using demonstrative figures. Your payroll analysis produces exact numbers for your workforce.
The $1,250 pre-tax offset is not lost wages. It returns to the employee post-tax as plan rewards after qualifying benefit activity is tracked in the plan. That tracking is what keeps the structure compliant — every reward is tied to actual plan usage, just as health insurance pays out when you go to the doctor.
The same framework that governs employer-sponsored health insurance premiums and flexible spending accounts. Nothing about Trio is experimental — each piece has decades of IRS precedent behind it.
The cafeteria plan section. Authorizes the pre-tax election mechanism that reduces taxable gross wages — the same framework as employer-sponsored health insurance premiums.
Pre-Tax ElectionAccident and health plans. Governs the post-tax reimbursement of the pre-tax offset, linking every payment to qualifying medical expenses and benefit activity.
Plan PaymentsDefines which activities and services qualify as medical expenses — the basis for the benefit-activity tracking that keeps every plan payment compliant.
Qualifying ActivityFrom first conversation to first payroll cycle in 30–45 days. Your team's total time investment is measured in minutes, not weeks — UBG and its named partners carry the rest.
Start with Step 1 — It's FreeWe collect basic payroll data — no Social Security numbers — and produce a savings report with your exact employer savings and employee eligibility.
UBG · no cost, no obligationYou review the analysis with your CPA or CFO if you'd like — we welcome it — and sign the master program agreement.
Employer + UBGUBG configures the enrollment portal with the benefit options that best fit your workforce.
UBGThree line items added per enrolled employee — typically 20–30 minutes of your payroll admin's time, with UBG guiding the setup.
Payroll team + UBGA 2–3 week enrollment window. UBG presents to your team, answers questions, and provides one-on-one support.
UBG + employeesAmaze Health presents to employees, the app is activated, and benefits begin with the next payroll cycle.
UBG + Amaze HealthEmployees use their benefits. You save on payroll taxes. UBG and Breckpoint TPA handle every piece of administration, documentation, and reporting.
UBG + named partnersTwenty minutes, basic payroll data, no private information — and you'll know precisely what Trio generates for your business and your employees.