Introducing Incent
A Unique Group Benefits Program With Maximum Tax Efficiency
What is Incent?
- Incent is a unique group benefits program that offers legal tax savings for both employer and employees in addition to fully customized voluntary benefits options. Available for groups of 50+ throughout the U.S.
What’s Included In The Incent PHMP?
- Mobile App
- An Integrated Benefit Solution
- All your benefits in the palm of the hand
- Plug and Play multiple vendors in one integrated benefit solution
- Personalized web portal
- 24/7 Call Center support
- Consolidated Billing, Invoice reconciliation and remittance services
Average employer Tax Efficiency: $400 per employee per year
Average employee Tax Efficiency: $150 per employee per month
| BEFORE | AFTER | |
| Monthly Income | $4166.67 | $4166.67 |
| Health Insurance | $184.17 | $184.17 |
| 401(k) | $184.17 | $184.17 |
| Other Pre-Tax | $0.00 | $0.00 |
| Paradigms H&W Premium | $0.00 | $800.00 |
| Taxable Income | $3,620.54 | $2,820.54 |
| Federal Withholding | $380.01 | $284.01 |
| State Withholding | $164.63 | $112.01 |
| Social Security | $246.91 | $197.31 |
| Medicare | $57.75 | $46.15 |
| Paradigm SIMRP Reimbersement | $0.00 | $800.00 |
| Gross Tax Savings | $0.00 | $206.88 |
| Paradigm Fee | $0.00 | $80.00 |
| Benefit Reserve | $0.00 | $126.88 |
| Net Pay | $2,773.24 | $2,773.24 |
Paycheck Comparison
Monthly Gross income remains unchange
All existing pre-tax deduction unaffected
The SIMRP is funded by a Sec.125 premium deduction
Taxable income is reduced by $800.00 per month
Participant is compliant with Paradigm participant guidelines and receives their after-tax reimbursement
After taxes the participant realizes a gain $206.88 per month due to the paradigm premium reimbursement
The Paradigm Fee of $80.00 per month is deducted after-tax
The participating employee now has $126.88 in their Benefit Reserve to spend on voluntary benefits
Take home pay remains the same as before the Paradigm Health and Wellness
Paycheck Comparison
- Here is a real-world example of a before and after comparison of a prodigy plus group implmentation.
- Before Incent
- After Incent
Program Qualifications
- Employers with 5 or more employees
- All employees must be W-2 and full time
- Employees must have less than 2% equity ownership
- Employees must have major medical through an employer-sponsored plan. Either through themselves, spouse, or if under 26, a parent.
- A MEC Plan can be installed without out-of-pocket cost to the employee or employer with Prodigy Plus to satisfy the group health requirement.
Prodigy PHMP Benefits
Unlimited Tele-Health Benefits
- Virtual ER Telemedicine
- Urgent Care
- Dermatology
- Primary Care
- Behavioral Health
- $0 Co-Pay Fee
Initial Health Screening
- Urgent Care Health Risk Assesments
- Hope 80/20 Diabetes Support
- Wearable Device integration
LifeGuides.com
- Choose a Guide from 10 Areas of Support
- Wellbeing/Mindfulness
- 85% rebook rate after first session
Personalized Programs
- EAP, Call Center
- Health Coaching
- Prescription Drug Interaction app
Implementation
1
Census template will be sent to you to gather the information needed to calculate the Benefit Reserves.
2
Proposal provided which includes Benefit Reserves and potential company savings.
3
Enrollment conducted virtually or on site Employee Training Post Enrollment.
4
Lead time 30-45 days.
Payroll call completed with client on or around the effective date coverage.
5
Client starts to see savings immediately in the first payroll run.
About Us
IPUSA is a company that specializes in providing tax-efficient employee benefits to employers through its proprietary program called Incent. As the parent company, JRL Premier Wealth Planning owns IPUSA, which operates as a subsidiary.
Through Incent, IPUSA works with employers to create tax efficiencies for both employers and employees. This allows employers to purchase benefits that their employees would typically forgo without changing their take-home pay, saving up to $400 per employee per year, and an average of $150 per month for each employee. With JRL Premier Wealth Planning’s expertise and Incent program, employers can provide better employee benefits while also saving money.
IPUSA’s Incent program features programs for groups of 5+ employees and offers a full slate of benefits including group health and ancillary products.
Meet The Team
Christopher Gaddis
SR. PARTNER, RETIREMENT AND 401K DIVISION
Ben Hastings
BROKER AGENT
Christy Fletcher
BROKER AGENT
Steve Shober
MANAGING BROKER AGENT
Contact Us Today
- (800) 575-8496
- 2500 Regency Pkwy Cary, North Carolina 27518
- 501 W Broadway, Suite 800 San Diego, CA 92101
