Cafeteria Plans in Madera
Madera employers span wineries, food processing, healthcare, and downtown professional firms. Each has a different mix of hourly and salaried staff, which changes how a Section 125 cafeteria plan in California should be structured.
Structuring the plan around a mixed Madera workforce
A Madera employer with both plant staff and salaried managers has to watch nondiscrimination rules more carefully, because benefits concentrated among higher earners can cause a testing failure.
We design Madera cafeteria plans with eligibility rules that pass testing and still deliver the savings the employer wants.
Section 125 plan options for Madera employers
The plan can cover premiums only, or add a health FSA and dependent care account. Madera employers with younger workforces often see heavy dependent care usage once the account is available.
Premium only plan
The simplest Madera option, covering insurance premiums with no claims administration.
Health FSA
Pre-tax funds for Madera employees facing deductibles, dental work, and vision expenses.
Dependent care account
Up to the annual federal limit set aside pre-tax for Madera childcare costs.
Nondiscrimination testing for Madera plans
Testing confirms a Section 125 plan in California is not weighted toward key and highly compensated employees. We run it annually for Madera employers and flag issues before they become corrections.
Coordinating with the Madera medical plan
The cafeteria plan year should line up with the medical plan year so Madera employees make one set of elections at one time. We align the two at setup.
Section 125 & cafeteria plans near Madera
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 Madera
Free consultation for Madera employers. Section 125 cafeteria plan and premium only plan documents prepared, adopted, and maintained for you.