Honey Advisory | Payroll & Benefits Review
Affiliate Disclosure: Honey Advisory is a paid affiliate of IronGate Business Advisors and earns compensation when businesses we refer enroll in an IronGate program.
Honey Advisory · Payroll & Benefits Review

Real Health Benefits for Your Team — and a Look at Whether You're Overpaying Payroll Tax

Honey Advisory helps W2 employers review the Payroll Optimization Program: a benefits package for your team, paired with a payroll-tax structure that may lower what you owe. Book a free 15-minute consultation to see whether it fits your business.

Book Your Free Consultation
Fill out a quick form and you'll be taken to our scheduling page to book your consultation.

Check These Boxes First

The program is built for businesses with a stable, year-round W2 workforce. Confirm your business meets all of the following before booking — it saves everyone time.

✓  You Should Have

  • 10 or more full-time W2 employees
  • Employees working 30+ hours per week
  • Employees earning $26,000+ per year
  • Year-round employment (not seasonal)
  • True W2 employees on payroll

✗  This Does Not Apply To

  • 1099 independent contractors
  • Seasonal or temporary workers
  • Businesses with fewer than 10 W2 employees
  • Sole proprietors or owners-only businesses
If your team checks the boxes on the left, it's worth a 15-minute review to see whether the program fits. No cost to find out.
See If It Fits — Book a Free Consultation

Most Owners Assume Their Payroll Tax Is Fixed. Some of It May Not Be.

If you have W2 employees, you pay FICA tax on their wages — and depending on how your benefits are structured, part of that cost may be reducible. Most owners never look, because payroll feels like a line item you can't touch. It takes about 15 minutes to find out whether yours is one you can.

The Payroll Optimization Program

Your employees are enrolled in a package of real preventative-care and telehealth benefits. The program is designed so your team gains this coverage without a reduction in their take-home pay.

On the employer side, a portion of compensation is restructured as pre-tax benefits, which the program projects can lower your FICA payroll tax — the program cites roughly $1,100 per enrolled qualifying employee per year. Whether that figure applies to your business, and how the arrangement is treated for tax purposes, depends on your specific situation.

There's no setup fee to participate. Before you enroll, you and your accountant receive the full program documentation and the tax provisions it relies on, so you can evaluate it for yourself. We don't ask you to take compliance on faith — we ask you to review it.

See a Rough Estimate Based on Your Team Size

This is an illustration using the program's own per-employee figure — not a quote and not a guarantee. Your actual result depends on your employee count, wages, hours, eligibility, and how the arrangement is structured. An advisor confirms real numbers during your review.

How many qualifying full-time W2 employees do you have?
Year-round employees working 30+ hours/week earning $26,000+/year
employees
$22,000
Illustrative Annual Estimate

Based on the program's cited figure of ~$1,100 per enrolled qualifying employee. Not a quote. Individual results vary.

Book a Free Consultation
10 employees ≈ $11,000/yr
20 employees ≈ $22,000/yr
30 employees ≈ $33,000/yr
50 employees ≈ $55,000/yr
100 employees ≈ $110,000/yr

How It Works — Three Steps

01
We Review Your Payroll

An advisor looks at your employee count, hours, wages, and work status to see whether the program is a fit. The review is free and takes about 15 minutes.

02
You & Your Accountant Review the Details

You receive the program documentation and the tax provisions behind it. Nothing moves forward until you're satisfied it's right for your business.

03
Enroll If It's a Fit

If it checks out for you, your team is enrolled in their benefits and any payroll-tax changes are applied through your normal payroll cycle.

What Your Team Gets

Enrollment gives your employees access to a real benefits package. The program is designed so their take-home pay isn't reduced — an advisor confirms the specifics for your team during the review.

24/7 telehealth access — doctors by phone or video any time
Preventative care coverage under MEC (Minimum Essential Coverage)
Wellness and supplemental health benefits
Prescription discount program
Mental health and behavioral telehealth support
Designed to be cost-neutral to employees' take-home pay

Built to Be Reviewed, Not Taken on Faith

Free, No-Obligation Review

A 15-minute look at whether the program fits your business. No cost, no commitment.

Documentation for Your Accountant

You get the program paperwork and the tax provisions it relies on, so your own advisor can evaluate it.

$

No Setup Fee

There's no fee to participate. The program is structured so projected tax savings fund it.

Professionally Administered Benefits

Employee benefits are administered through licensed third-party benefits providers.

Answers to What Business Owners Ask First

Is there a setup fee or out-of-pocket cost? +
No setup fee to participate. The program is structured so projected tax savings fund it. Your advisor walks through the specifics for your situation during the review.
How is this structured, and is it legal? +
The program is built on Section 125 of the tax code, a legitimate part of the law used for pre-tax employee benefits. How a specific arrangement is treated for tax purposes can be complex, and the IRS has issued guidance on certain benefit structures. That's exactly why we give you and your accountant the full documentation to review before you decide — we don't ask you to take compliance on our word.
What if my accountant has questions? +
Good — they should, and that's the right instinct rather than a problem. We'll give your accountant the program documentation and the tax provisions behind it so they can evaluate it for your business. If they aren't comfortable, don't move forward.
How long does enrollment take? +
For businesses that decide to move ahead, enrollment is typically completed within 2–4 weeks of the initial review.
Do my employees have to do anything? +
Very little. The program is designed so their take-home pay isn't reduced, and they gain access to benefits they didn't have before. Your advisor explains what, if anything, employees need to do.

See If the Program Fits Your Business — It Takes 15 Minutes

Book a free consultation to look at your payroll and whether this makes sense for you.

Book Your Free 15-Minute Consultation
No cost. No obligation. No sales pressure.