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HOW UCG WORKS

A Smarter Way
To Create
More On Both
Sides.

UCG uses an established Section 125 tax structure to help employers reduce taxable payroll while giving employees and their families access to meaningful health benefits, and the potential to take home more in every paycheck.

The result? A benefits strategy designed to create financial value for your business and your people.
Request Your Free Financial Impact Analysis
YOUR BUSINESS
Potential payroll-tax
savings
YOUR PEOPLE
More health benefits +
potential increase in take-
home pay
+

SECTION 125, IN PLAIN ENGLISH

The tax structure is
established. How UCG
puts it to work is what
creates the opportunity.

Section 125 has been part of the Internal Revenue Code since 1978. At its simplest, it allows certain qualified benefits to be handled through payroll on a pre-tax basis.

But the easiest way to understand what that means is to look at a paycheck.

SAME EMPLOYEE. SAME SALARY. DIFFERENT OUTCOME.
WITHOUT UCG
$2,600
per month
01
Their regular wages are subject to applicable payroll taxes.
02

The employer pays its share of payroll taxes.

03

The employee pays their share of taxes.

04
And that’s where the transaction ends.
WITH UCG
$2,600
same salary
The employee still earns the same $2,600 per month.
Same Salary
Section 125 + Health Benefits
Lower Taxable Payroll
Employer Saves
Employee Can Take Home More
Employee Gets More Benefits
But now qualifying benefits are structured through the company’s Section 125 plan.
That changes the amount of payroll subject to certain taxes.
The employer can pay less in payroll taxes.
The employee can pay less in certain taxes.

And the employee receives additional health benefits.

PLAN 1200 ILLUSTRATIVE EMPLOYEE EXAMPLE
+$67.24
more take-home pay per month*
+$806.88
more take-home pay per year*

That's the UCG opportunity.

It’s not about paying employees less or waiting for a tax credit at the end of the year.
It’s about structuring qualifying benefits differently through payroll so that the business can save, the employee can potentially take home more, and the employee gains additional health benefits at the same time.

THE EMPLOYER IMPACT

Savings that
happen with
every payroll
cycle.

When qualifying benefits reduce taxable payroll, your business can also reduce the amount it pays in certain payroll taxes.
That means the financial impact isn’t something you wait until tax season to realize. Potential savings can occur
USING THE PLAN 1200 EXAMPLE
$681.60
in potential annual net employer savings per participating employee*
Illustrative examples based on $681.60 in annual net employer savings per participating employee. Actual results will vary.
ILLUSTRATIVE ANNUAL EMPLOYER SAVINGS
Participation → impact
50 employees
~$34,080/year
100 employees
~$68,160/year
250 employees
~$170,400/year
500 employees
~$340,800/year
Savings per participating employee
×
Workforce participation
=
Potential recurring savings

Your numbers will be different.

Every organization has a different workforce, payroll and participation profile. That’s why we don’t expect you to make a decision based on a generic example.
UCG starts with a complimentary Financial Impact Analysis to give you an initial look at what the potential financial impact could be for your organization.
See My Company's Potential Impact

The savings are only one side of the story.

While the program can create potential financial value for the business, participating employees can also benefit through potential tax savings and access to meaningful healthcare benefits through UCG Health Benefits.

Explore UCG Health Benefits

FROM ANALYSIS TO LAUNCH

See the numbers first.
Decide what comes next.

You don’t have to commit to a new benefits program just to find out whether UCG makes sense for your organization.
The process starts with understanding the potential impact. From there, we can go deeper only if the numbers and the program make sense for your business.
01
EXPLORE

Start With Your Financial Impact Analysis

Share a few basic details about your organization, and we’ll prepare an initial analysis of your potential financial impact.

No detailed employee census is required just to get started.

02
EXPLORE

Review the Results

We’ll walk through your analysis, explain how the program works and answer your questions so you can evaluate the opportunity.

03
EXPLORE

Build Your Detailed Projection

If you’d like to explore further, we’ll gather additional workforce and payroll information to create a projection based on your organization.

04
IMPLEMENT

Prepare for Launch

If you decide to move forward, UCG coordinates implementation, including plan setup, payroll coordination, testing, enrollment and employee education.

05
LAUNCH

Go Live

Once implementation and testing are complete, the program launches and employees can begin accessing their benefits.

30–60 day implementation timeframe

30–60 day implementation timeframe

It’s a different way to think about employee benefits: creating more value for your people while creating more value for your business.

We guide the process. You stay in control of the decision.

Start by simply seeing the numbers. There’s no need to change your current benefits or commit to implementation just to understand what the opportunity could look like for your organization.

Keep the existing Request Your Free Financial Impact Analysis CTA.

Request Your Free Financial Impact Analysis

YOUR NEXT MOVE

Ready to see how
the numbers
could work for
your business?

Every workforce is different. See the potential financial impact based on your organization, and decide for yourself whether UCG makes sense for your business and your people.

Request Your Free Financial Impact Analysis
No obligation. Just the numbers you need to explore what’s possible.