If someone told you that you could enhance your employee benefits, increase take-home pay, and lower payroll costs, all at no net cost to your business, you’d probably think it sounds too good to be true. But this is exactly what Comfort Profit’s 360 Benefits Program delivers.
How It Works
Through a compliant, IRS-backed structure, the 360 Program integrates wellness and supplemental health benefits into your existing payroll system. Employees enroll in benefits such as:
- Telehealth – $0 Copay
- Appointments by phone or video (available 24/7/365).
- Services include diagnosis, prescriptions, lab orders, referrals, and triage.
- Accessible via phone, mobile, tablet, or computer.
- Employee Assistance Program (EAP) – $0 Copay
- 6 sessions per family member at no cost.
- Covers marital/family concerns, anxiety, stress, depression, drug/alcohol issues, and more.
- Professional counseling plus assistance for financial, legal, childcare, and eldercare matters.
- Health Vitals via Facial Scan App (Anura)
- Smartphone app that measures wellness through a selfie in ~30 seconds.
- Provides readings for heart rate, blood pressure, BMI, stress, heart attack and stroke risk, etc.
- Couples Counseling
- Online relationship improvement course.
- 8-hour self-paced course with four 20-minute coaching calls.
- Addiction Recovery System
- Interactive virtual recovery system for addiction and PTSD.
- Includes a one-year program, video course, and hundreds of educational videos.
- Mayo Clinic Health Programs
- Total Body Workout: 12-week HIIT program with 20-minute routines.
- 12 Habits of Highly Healthy People: Year-long guided habit-building program.
- The Resilient Program: Video course to lower stress, burnout, and anxiety through resilience training.
- Mayo Clinic Diet: Long-term weight management program by Mayo Clinic experts.
These benefits are deducted pre-tax, reducing taxable wages for both the employer and employee. Then, through a structured reimbursement process, employees receive most of that deduction back, resulting in higher net pay. Meanwhile, the employer realizes FICA and payroll tax savings that more than cover the cost of the program.
Why It’s Legitimate
This model is supported by IRS Section 105/125 regulations and follows the same principles outlined in The CPA Journal’s article, “20 Questions About Establishing a Health & Wellness Program in the Workplace.” It’s a self-funded, compliant medical reimbursement structure, not a gimmick. The tax savings generated through pre-tax deductions pay for the program entirely, creating a win-win for everyone.
The Bottom Line
- Employers: Reduce payroll taxes and enhance your benefits package at no cost.
- Employees: Gain new health benefits and increase take-home pay.
- Compliance: 100% IRS and ACA compliant with full documentation support.
Comfort Profit Consulting helps you implement the 360 Program seamlessly, improving morale, retention, and your bottom line all at once. Contact our team today to learn more about this program and how it might work for your organization.
