Section 125 Plans in Clovis
Clovis runs on owner-operated businesses where every payroll dollar is accounted for. A Section 125 premium only plan in California is one of the few changes that lowers cost for the business and raises take-home pay for staff at the same time.
A raise that costs the Clovis employer nothing
When a Clovis employee pays $300 a month toward premiums after tax, roughly a quarter of that money went to taxes first. Running it through a cafeteria plan in California recovers that portion immediately.
Employees experience it as a bigger check. The Clovis owner experiences it as a lower FICA bill. Nobody's salary changed.
Cafeteria plan setup for Clovis practices and shops
Most Clovis employers we help are dental offices, contractors, and retailers with fewer than 30 employees. The premium only plan version fits them well because there is no claims processing and no year-end reconciliation.
Entity review
We confirm which Clovis owners and family members are eligible to participate before documents are drafted.
Document package
Plan document, resolution, and SPD delivered ready to sign for the Clovis business file.
Payroll instructions
Clear written directions for the Clovis payroll provider so the first pre-tax run is correct.
When Clovis employers should add an FSA
A health flexible spending account gives Clovis employees a pre-tax pool for deductibles, copays, glasses, and dental work. It makes the most sense once the medical plan carries a real deductible, which is the case for nearly every Clovis group now.
Keeping the Clovis plan current
Cafeteria plan documents need restatement when regulations change and re-signing when the business structure changes. We track that so the Clovis file does not quietly go stale.
Section 125 & cafeteria plans near Clovis
We set up Section 125 cafeteria plans and premium only plans for employers across California's Central Valley. Explore a nearby community or return to the main service page.
Cut Payroll Taxes in Clovis
Free consultation for Clovis employers. Section 125 cafeteria plan and premium only plan documents prepared, adopted, and maintained for you.