Control Operating Costs.
Lower Payroll Taxes.
Strengthen the Business You Built.
This is not another employee benefits package. It's an operating expense strategy that lowers your payroll tax bill, increases take-home pay for your team, and grows the value of your business, at no cost to implement.
25 employees · Manufacturing / Industrial
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Estimated annual employer payroll tax reduction.
Combined annual increase across participating employees.
Estimated increase to annual operating earnings.
Illustrative valuation impact using the selected exit multiple.
More Than Savings. A Smarter Business Strategy.
Lower Payroll Taxes
Reduce employer payroll taxes legally and compliantly.
Increase Take-Home Pay
Put more money in your employees' pockets without raising wages.
Reduce Claims
Lower major medical claims and overall health plan costs.
Improve Retention
Happy employees stay and perform.
Increase Business Value
Stronger EBITDA and higher multiples drive greater value.
Works Alongside Your Existing Benefits
Complements your existing health insurance and benefits.
Built for Business Owners Who Write the Checks
These are real, unfiltered outcomes, not projections. Here's what changed for a few of the businesses we've worked with.
The Cost of Standing Still
Every year, most business owners accept rising benefit costs as the price of doing business. Premiums climb, payroll taxes creep higher, and employees keep expecting more, yet few ever stop to ask whether it has to work that way.
What's At Stake?
Employee Retention
Better benefits are one of the strongest levers you have against turnover, and turnover is expensive.
Payroll Tax Reduction
Restructuring how benefits are funded can legally and compliantly reduce your employer payroll tax burden.
Lower Healthcare Claims
Preventive-first plan design tends to reduce major medical claims over time, which keeps future premiums in check.
Increased Take-Home Pay
Employees see more in every paycheck, without your business increasing its wage costs.
Stronger EBITDA
Tax and claims savings flow directly to your bottom line, improving the profitability metric buyers care about most.
Higher Valuation Multiples
A stronger, more efficient EBITDA can support a stronger exit multiple when you're ready to sell.
Simpler Than Most Owners Expect
Implementation typically takes just a few short meetings and some basic payroll and benefits information. We handle the heavy lifting so your team can stay focused on running the business.
See exactly what this means for your business.
Get a personalized breakdown of your exact numbers, in minutes. Here's what's included:
- Personalized savings estimate
- How it works & what to expect
- No cost to implement
- No obligation. 100% confidential.
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Go Deeper Before You Decide
The information you need to evaluate whether this is right for your business.
Business Impact Guide
A plain-language walkthrough of how benefits optimization affects payroll taxes, take-home pay, and business value.
Read the guide FAQCommon Questions Before We Talk
Straight answers on compliance, payroll coordination, existing health coverage, employee impact, cost, and how to know if it fits.
View FAQsA Real Benefits Strategy, Guided by Real People
Navigators Benefits helps business owners evaluate an employer-sponsored benefits strategy designed to reduce payroll costs, improve cash flow, and provide employees with practical healthcare resources. Each inquiry is handled personally by Kurtis Rattay, who helps employers understand how the structure works, review its potential financial and employee impact, and determine whether it may be a fit for their organization before making any decisions.
Kurtis's role is educational and consultative. He does not provide insurance, legal, tax, or accounting advice and does not act as a group health broker or plan administrator.
Connect with Kurtis on LinkedIn