Benefits. Simplified.

A Section 125 Premium Only Plan (POP) is a type of cafeteria plan that lets employees pay their share of certain employer‑sponsored insurance premiums, like medical, dental, or vision coverage, with pre‑tax dollars instead of after‑tax pay. When a POP is established correctly, employees can lower their taxable income and employers may reduce payroll tax expenses, creating a tax advantage for both sides. To receive these tax benefits, the POP must be set up and maintained under a written plan document that clearly describes who is eligible, what benefits are included, how employee elections work, and how the plan is administered.

As part of our ongoing benefits relationship, we provide POP document drafting as a complimentary service for clients who have an active benefit program with us. When you are already partnering with us on your benefits, we will prepare a customized Section 125 POP plan document that reflects your specific benefits, workforce, and goals, at no additional cost. The draft is designed to be clear, well‑structured, and practical, so your legal or tax advisors can review it efficiently and confirm that it aligns with your organization’s needs and applicable requirements. Many clients find this especially reassuring, because they receive a professional, thoughtfully prepared draft without having to source or build it on their own.

This service is a strong fit for employers who want to strengthen their benefits offering, add or formalize pre‑tax premium deductions, and feel more confident about the documentation that supports those practices. If you are exploring how a Section 125 POP could work for your organization and would like a professionally drafted document to bring to your attorney or CPA, we would be glad to talk with you and share how this complimentary service can support your broader benefits strategy as an active client.