Section 125 Flex Plan

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Flex Plan Benefits Management System

What is a 125 Flex Plan
A Flex Plan is an employer-sponsored benefit that allows employees to be reimbursed for certain expenses tax-free. Employees save federal, state, social security and Medicare taxes on those dollar amounts, thus increasing their take-home pay. Flex Plans are part of the Internal Revenue Code, section 125, and are designed to give employees the opportunity to pay for certain eligible living expenses with tax-free dollars. Before a Plan Year begins employees elect to have a certain amount of their salary designated as tax-free. These tax-free election amounts are to be used for eligible expenses in the Flex Plan. Employers also benefit by providing a Flex Plan because they do not have to pay FICA (7.65%) on employees’ Flex election amounts.

Educational Services

Group and Individual Employee Education
Flex Plans are, by nature, intimidating and complicated. And, a flex plan is a meaningful benefit to employees only if it is clearly communicated so employees know how to best utilize it. Our exceptional instructors make the difference. These dedicated professionals are outstanding presenters, trained and experienced in Section 125.

We utilize a combination of group and individual meetings to educate your employees. Upon completion of our education process, employees understand how the program can benefit them personally.

The EBC Approach

Quality Employee Education
Upon completion of our education process, employees understand how the program can benefit them personally.

Complete Selection of Expense Categories
Most plans allow only three categories of eligible expenses. We offer five categories.

Payroll Deducted Health Insurance Premiums

Un-reimbursed Medical Expenses

Child and Adult Daycare

Outside Health Insurance Premiums

Group-Term Life Insurance

Services & Fees

Service Options
Design your own plan and pay accordingly!

Self-Administered

Shared Administration

Full Service Administration

Fees will be discounted based on level of service provided. Please contact us for more information.

FAQ's

What is a Section 125 Flexible Benefits Plan?
A Section 125 Flexible Benefits Plan (Flex Plan) enables you to reduce your taxes and your employees’ taxes on eligible expenses. It is authorized under Section 125 of the Internal Revenue Code.

What Taxes Can I Save?
Districts save FICA/Medicare taxes. In most cases the savings generated by our plan will be more than enough to offset administrative fees.

What Taxes Can My Employees Save?
Your employees will save Federal, State, and FICA/Medicare taxes. Typical savings would be 30-40% of the dollars elected by participants.

What Expenses Are Eligible?
Flex Plan Eligible Expenses
Over The Counter Eligible Expenses

Flex Plan Forms

Benefit Election Form

Change in Status Form

Contact Information Change Form

Dependent Daycare Receipt

Acknowledgement Form

Reimbursement Claim Form