When business leaders hear that they can increase employee take-home pay, improve employee benefits, and still reduce payroll tax liability, it often sounds too good to be true. But that’s exactly what Comfort Profit Consulting helps deliver through our 360 employee benefits program.
This isn’t just a feel-good solution. It’s a financially sound strategy that’s already helping employers across the country keep more money in their business, enhance employee wellness, and become more competitive in a tough hiring market. So how does it actually work?
Let’s break it down step by step.
What Is 360?
360 is a fully-compliant employee benefits program that includes a suite of services designed to support total employee wellness. Some of the core benefits offered include:
- 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 provided on a voluntary basis to employees who are already enrolled in employer-sponsored health coverage. But the real magic happens in how the program is structured and implemented through payroll.
The Key Mechanism: Pre-Tax Deductions + Reimbursements
Here’s how 360 creates a win-win for employers and employees:
- Employees enroll in the 360 program.
- The program premium is deducted from payroll on a pre-tax basis, just like a traditional medical deduction.
- This lowers the employee’s taxable income, creating tax savings for both the employer and the employee.
- The tax savings cover the cost of the program, and then some.
- 360 reimburses the employee for the full amount of the premium, meaning they keep the benefit but don’t pay out of pocket.
- The result: Higher take-home pay for employees and FICA tax savings for the employer.
See It in Action
The graphic below shows exactly how this works in practice. On the left, we see a payroll scenario before 360 is implemented. On the right, we see what happens after the program is activated:
**We will need to recreate this or remove “Thrive” word from the image.
As you can see:
- Employee take-home pay increases from $691.08 to $711.98.
- Employer saves on payroll taxes.
- Employee receives new, valuable health and wellness benefits.
- All without increasing gross payroll cost.
What Makes This Legit?
360’s structure has been legally vetted, IRS-compliant, and is fully integrated into standard payroll systems. It operates within existing tax code, and Comfort Profit Consulting ensures a smooth rollout by working directly with HR and payroll departments to ensure accuracy and compliance.
It’s not just an add-on; it’s a financial strategy that directly impacts your bottom line.
Ready to See If You Qualify?
If you’re an HR leader, CFO, or business owner looking for a way to increase employee satisfaction while reducing costs, this program deserves a serious look. Comfort Profit Consulting can walk you through the numbers, analyze your current payroll structure, and implement 360 with zero out-of-pocket costs to your organization.
Contact Comfort Profit Consulting today to schedule a free discovery call and find out how this innovative program can work for your business.
