Comprehensive Preventative Health & Wellness

Happier & Healthier Employees

Alloy delivers a smarter way to invest in your workforce. Our comprehensive preventative health and wellness program takes a holistic approach to employee well-being while unlocking meaningful tax savings that many employers and employees never realize. This exclusive offering, available only through Alloy Employer Services, is designed to improve health outcomes, strengthen financial performance, and create a healthier workplace from the inside out.

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The Alloy Preventative Health & Wellness Program.

Alloy's exclusive program is designed to support the complete well-being of your workforce, addressing physical, mental, and emotional health, and financial wellness. This plan includes:

  • Wellness Coaching: One-on-one support from certified wellness coaches to help employees set and achieve their health goals.
  • Telemedicine: 24/7/365 tele-medicine (urgent and primary care) for employees and members of their household.
  • Pharmacy Services: Including access to over 400 no-cost prescriptions.
  • Mental Health Resources: Access to mental health professionals and resources, ensuring that your team has the support they need.
  • Nutrition Guidance: Expert advice on making healthier food choices, tailored to individual needs and goals.
  • Pet Tele-health and discounts on pet-meds.
  • Other Benefits: Dermatology, Rehab and Physical Therapy, Medically managed weight loss and much more.

Why Choose Alloy's Preventative Health & Wellness Solution?

There are a number of advantages to bringing Alloy's Preventative Health & Wellness Program to your business and employees.

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Healthy & Happier Employees

At Alloy Employer Services, we believe that a healthy workforce is the foundation of a successful business. We offer a preventative health plan that is:

  • Comprehensive: Covering all aspects of health, from physical to mental well-being.
  • Personalized: Tailored to the unique needs of your employees. (Participation is completely voluntary, and employees may enroll regardless of whether they are covered under the company’s medical plan.)
  • Proactive: Helping prevent health issues before they arise, leading to a happier, healthier, and more productive workforce.
  • Protective: Financial wellness delivered through a guaranteed-issue universal life insurance policy for all participants at no cost.

Financial and Tax Benefits for Employers

Beyond the employee advantages, this partnership offers substantial financial incentives for employers:

  • Section 125 Plan: By integrating the initiative with a Section 125 Cafeteria Plan, employers can offer a pre-tax preventative health plan. This reduces taxable income for employees and payroll taxes for employers, leading to significant savings. Easily integrates with your current benefit offering but without the hassles of administration.
  • Tax Savings: Employers can save on payroll taxes, and employees can save on federal income taxes, Social Security, and Medicare taxes.
  • Cost Efficiency: Offering a wellness plan can reduce healthcare costs over time by promoting a healthier workforce, leading to fewer medical claims and lower insurance premiums.
  • Administrative Relief: Alloy handles 95% of the program's administration.

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Example of Potential Savings

Here’s how the Alloy model can translate into real tax savings for both employers and employees.

Employee

Employee Paycheck Illustration

  Without Program With Program
Gross Wages
 $5,500.00 $5,500.00
Section 125 Deduction    -$1,250.00
Pre-Tax Deductions:
401k
Medical 
 -$400.00
-$250.00 		 -$400.00
-$250.00 
Taxable Gross Wages $4,800.00 $3,550.00
Tax Withholdings*:
Total Tax  -$1,155.84  -$725.97
Benefit Credit   +$1,250.00
 Admin Fee UL Premium
 +$0.00
+$0.00
 -$150.00
-$279.87
  $3,644.16 $3,644.16


*Employees must have enough tax withholdings to qualify.

SAME NET PAY

Tax Savings $429.87

Tax Savings is redirected to pay premiums

Employer

Monthly Gross Savings per Employee:

W-4 Election Single: $950 X 7.65% = $72.67

W-4 Election with Dependents: $1,250 X 7.65% = $95.63

Annual NET FICA Savings per Employee:

$72.67 x 12 months = $872.04

$95.63 x 12 months = $1,147.56

 

Offered Savings illustration assumes Ohio company has 200 full-time employees with 75% qualified/participating and an annual workers' compensation premium of $198,000. 

Total Annual Employer FICA Savings
$155,602

 

Reduction in WC Premium (~15%)
$ 29,700

 

Total Annual Savings = $ 185,302

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How Does Implementation of the Preventative Health & Wellness Plan Work?

If you are considering this program for your organization, the Alloy Preventative Health and Wellness Program is cost neutral for qualifying businesses, with savings that exceed the cost of administration. It is structured to integrate with no net out of pocket cost to employees while delivering meaningful financial savings for employers. The result is an accessible, sustainable solution that supports physical, mental, and financial well-being across your workforce.
 

Satisfied Customers

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As a small school, we never thought we could afford this level of coverage. The tax savings alone have made it sustainable.

CFO, Private Academy, Denver, CO
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Our crews now get preventative health coverage that works for them, and we see savings every payroll. It’s a win-win.

Operations Manager, Construction, Nashville, TN
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We were skeptical at first, but the Preventative Health Plan has given our nurses peace of mind and saved our hospital system over $100k annually.

CFO, Healthcare, Houston, TX
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This program gave us predictability in costs and compliance, which is rare in our industry.

Plant Manager, Manufacturing, Columbus, OH
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Truck drivers are hard to retain. With the Preventative Health Plan, we’ve seen retention improve because benefits matter.

HR Manager, Logistics, Kansas City, MO
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The Preventative Health Plan allowed us to provide benefits usually reserved for larger districts. Our teachers appreciate the preventative health focus, and we saved thousands on payroll taxes.

Superintendent, Charter School, Phoenix, AZ

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