Manufacturing & Logistics
Maximizes dual savings by lowering both the standard FICA obligations and heavily burdened manufacturing Workers' Comp classifications.
Optimized Employee Benefits. Reduced Operational Overhead.
Fiscorex deploys IRS-compliant Section 125 administration strategies that lower corporate FICA liabilities through structured wellness benefits.
Learn More$800+ Per Employee Annual Savings
Exposed FICA reduction opportunity
500+ Employee Threshold
Ideal for mid-market and enterprise
Full IRS & DOL Compliance
Exposed FICA reduction opportunity
Exposed FICA Reduction Opportunity
For qualified employers
Compliance-Driven Savings
A smarter approach to benefit administration that protects your bottom line.
Financial Planning
Exposed FICA reduction opportunities through compliant benefit structures.
Investment Advisory
Strategic plan design analysis and ongoing compliance optimization.
Risk Management
Audit-ready documentation vault and proactive regulatory monitoring.
About Fiscorex LLC
Your Trusted Compliance & Optimization Partner
Fiscorex specializes in designing and administering IRS-compliant Section 125 cafeteria plans that unlock meaningful FICA savings for employers while delivering real healthcare value to employees. Our team combines deep regulatory expertise with a relentless focus on audit-readiness, ensuring every dollar saved is fully defensible.
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Legal Mechanics Behind Section 125
A proven statutory framework that enables compliant payroll reclassification.
01
Section 125 Cafeteria Plan
Employees elect qualified benefits on a pre-tax basis, reducing gross wages subject to FICA for both employer and employee.
02
Section 105 Medical Reimbursement
Pre-tax dollars fund actual healthcare expenses, meeting IRS requirements for excludable benefits rather than taxable cash.
03
Nondiscrimination Testing
Plans undergo annual testing to verify they do not disproportionately favor highly compensated employees or key personnel.
04
Digital Compliance Vault
All plan documents, amendments, and audit trails are maintained in a secure, indexed repository for instant regulatory retrieval.
High-Impact Industry Verticals
Where compliant payroll reclassification delivers the highest legal savings.
Construction & Skilled Trades
Provides a high-value recruitment and retention tool for field workers while mitigating steep trade-based payroll liabilities.
Healthcare & Hospitality
Lowers operational costs across high-turnover workforces by providing instant-access virtual healthcare without increasing employer benefit budgets.
Frequently Asked Questions
The IRS rightfully targeted programs that paid out tax-free cash rewards to employees for doing basic wellness activities. Fiscorex does not do this. Our program uses pre-tax dollars strictly to purchase real, comprehensive healthcare benefits. Because the dollars are funding actual medical care and plan premiums, rather than being paid back out to employees as artificial cash payouts, it complies fully with standard, time-tested Section 125 and Section 105 rules.
Because we do not rely on aggressive 'cash-back' schemes, your risk profile matches that of any standard corporate Section 125 premium-only plan. We maintain a secure, audit-ready Digital Compliance Vault containing all required plan documentation, amendments, and non-discrimination reports to ensure seamless verification by any regulatory body.