Time to Qualify
5 Min
One 5-minute call is all it takes to find out if your restaurant qualifies. No commitment. No obligation. Just the answer.
If your restaurant runs 25 or more full-time W2 employees, you may be leaving thousands of dollars on the table every single payroll.
Your Payroll Is Costing You More Than It Should.
There is a little-known IRS-backed tax and healthcare savings framework — built on Sections 105 and 125, in use since 1978 — that puts an average of $640 per employee, per year back into your business and $1,800 a year back into your employees' pockets. The big chains have been using it for decades. Find out in 5 minutes if your restaurant qualifies.
The IRS Framework the Top Restaurant Groups Have Been Using Since 1978
5-Minute Qualifying CallRestaurant Owner VerifiedIRS Sections 105 & 125
Employer Savings
$640
That's the average annual FICA tax savings per full-time W2 employee. On a team of 32, that's over $20,000 back in your business every year.
Employee Take-Home
$1,800
That's the average annual increase in take-home pay per employee — without a single dollar added to your payroll budget. It comes from their own tax savings.
In Use Since
1978
The big chains didn't invent this advantage. They just found it first. This framework has been available to independent operators the entire time.
The Problem Nobody Is Talking About
Your Margins Are Bleeding. Your Best Staff Are Leaving. You Can't Grow.
01
Every Payroll, You're Overpaying the IRS.
Most restaurant owners have no idea that a portion of every payroll disappears into FICA taxes that a legal, IRS-backed framework could have redirected back into their business. It's not a loophole. It's a tax structure the big chains have been using since 1978.
02
Your Best Employees Are One Offer Away From Leaving.
The chains aren't winning the talent war on food. They're winning it on benefits. Healthcare. Free medications. Mental health support. Your best people aren't leaving because they want to — they're leaving because they have to. This framework gives you the same benefits package the chains offer, at no net cost to you or your employees.
03
Growth Shouldn't Feel Like a Penalty.
If you're approaching 50 employees, you may already be capping hours or delaying hires to avoid ACA compliance costs. What most operators don't know is that this framework offsets the costs of group health and allows you to select more affordable coverage — at no net cost to the business. The wall isn't real. It's a gap in information.
How It Works
Four Steps From Today to More Money in Your Business.
Step 1: Book Your 5-Minute Call
Tell us how many full-time W2 employees you have. That's the first question. If the answer is 25 or more, you're likely eligible and the conversation gets interesting fast.
Step 2: We Run Your Numbers
We calculate your exact FICA savings based on your employee count, pay frequency, and filing status. No estimates. A down-to-the-penny proposal built specifically for your restaurant.
Step 3: White-Glove Implementation
Our team handles the setup end-to-end. API integration with your existing payroll system — ADP and others — with less than 5 hours of HR effort. No disruption to your operations. No sign-on fees. No cancellation fees.
Step 4: Your Team Gets Paid More. So Do You.
From the first payroll run after implementation, your employees see an average of $150 more per month in take-home pay. You see $640 per employee, per year back in your business. Every payroll from here forward works harder.
Do You Qualify?
Most Restaurant Owners Who See This Qualify. Here's What We Look For.
25 or more full-time W2 employees
Employees working 30 or more hours per week
Existing primary health insurance in place (we can address this requirement)
Restaurant owner, operator, or CFO with authority to make payroll decisions
This framework is grounded in IRS Sections 105 and 125. Eligibility is confirmed through a short qualifying call. This page does not constitute tax, legal, or financial advice. Individual results vary based on employee count, pay frequency, and filing status.
This Takes 5 Minutes.
Find Out Exactly How Much Your Restaurant Is Leaving on the Table.
Book a 5-minute qualifying call. Tell us your employee count. We'll run your numbers and tell you exactly what you qualify for — down to the penny. No obligation. No sign-on fees. No pressure. Just the answer.
5-Minute Call
Down-to-the-Penny Proposal
No Fees. No Obligation.
IRS Sections 105 & 125
The next page embeds the provided Calendly calendar for the 5-minute consultation while keeping the qualification language cautious and introductory.
Questions We Get From Restaurant Owners
You Have Questions. Here Are the Honest Answers.
How much can my restaurant actually save?+
The savings are calculated at $640 per full-time W2 employee, per year in FICA tax reductions. On a team of 32 employees, that's over $20,000 a year back in your business. Your exact number is calculated from your employee census — count, pay frequency, and filing status. The 5-minute call gives you the real figure for your restaurant specifically.
Is this legal?+
Yes. This framework is built on IRS Sections 105 and 125 — the same legal provisions that govern Health Reimbursement Arrangements and Section 125 Cafeteria Plans. It has been in use since 1978. The big chains have been using it for decades. This page does not constitute tax or legal advice, and we recommend consulting your advisors — but the framework itself is grounded in established federal tax code.
What happens after I book the call?+
We confirm your basic eligibility — employee count, hours, and existing coverage. If you qualify, we run a down-to-the-penny proposal based on your actual payroll data. If you move forward, our team handles implementation end-to-end: API integration with your payroll system, less than 5 hours of HR effort, no sign-on fees, no cancellation fees. The first call is 5 minutes. Everything after that moves at your pace.
Real Operators. Real Numbers.
“I had no idea we were leaving $26,000 a year on the table. The call took 5 minutes and changed how I look at every payroll we run.”
Marissa L.
Harbor & Hearth Group
Full-time W2 Employees
42
Amount Saved
$26,880
“We were losing $43,000 a year and didn't know it. My CFO was skeptical until we saw the proposal. Now we wonder why nobody told us about this sooner.”
Daniel R.
Stone Table Concepts
Full-time W2 Employees
68
Amount Saved
$43,520
“My employees are taking home more money every month and I'm saving nearly $20,000 a year. This is the best thing I've done for my team and my margins at the same time.”
Priya S.
Juniper Dining Co.
Full-time W2 Employees
31
Amount Saved
$19,840
“We run three locations. This framework saved us $60,800 last year and our retention numbers improved by the end of the first quarter. I wish I'd found this five years ago.”
Anthony M.
Northline Hospitality
Full-time W2 Employees
95
Amount Saved
$60,800
“I was right on the edge of the eligibility threshold and still qualified. The call was genuinely 5 minutes. The savings were real. My team noticed the difference in their first paycheck.”
Evelyn C.
Copper Spoon Kitchens
Full-time W2 Employees
24
Amount Saved
$15,360
“I was capping hours to avoid the ACA threshold. This framework solved the compliance problem and saved me $36,000. I stopped capping hours the month we implemented it.”
Marcus T.
Willow Street Restaurants
Full-time W2 Employees
57
Amount Saved
$36,480
“I had no idea we were leaving $26,000 a year on the table. The call took 5 minutes and changed how I look at every payroll we run.”
Marissa L.
Harbor & Hearth Group
Full-time W2 Employees
42
Amount Saved
$26,880
“We were losing $43,000 a year and didn't know it. My CFO was skeptical until we saw the proposal. Now we wonder why nobody told us about this sooner.”
Daniel R.
Stone Table Concepts
Full-time W2 Employees
68
Amount Saved
$43,520
“My employees are taking home more money every month and I'm saving nearly $20,000 a year. This is the best thing I've done for my team and my margins at the same time.”
Priya S.
Juniper Dining Co.
Full-time W2 Employees
31
Amount Saved
$19,840
“We run three locations. This framework saved us $60,800 last year and our retention numbers improved by the end of the first quarter. I wish I'd found this five years ago.”
Anthony M.
Northline Hospitality
Full-time W2 Employees
95
Amount Saved
$60,800
“I was right on the edge of the eligibility threshold and still qualified. The call was genuinely 5 minutes. The savings were real. My team noticed the difference in their first paycheck.”
Evelyn C.
Copper Spoon Kitchens
Full-time W2 Employees
24
Amount Saved
$15,360
“I was capping hours to avoid the ACA threshold. This framework solved the compliance problem and saved me $36,000. I stopped capping hours the month we implemented it.”
Marcus T.
Willow Street Restaurants
Full-time W2 Employees
57
Amount Saved
$36,480
“Our group plan renewal had gone up 14% two years in a row. This framework reduced our utilization and our next renewal came in lower. Plus $53,000 in FICA savings on top of that.”
Nora B.
Cypress Room Collective
Full-time W2 Employees
83
Amount Saved
$53,120
“I was losing my best people to chains that offered benefits I thought I couldn't match. After implementing this, my next hiring post got more applications than any I'd run in three years.”
Julian K.
Market Lane Hospitality
Full-time W2 Employees
46
Amount Saved
$29,440
“We have 119 employees across four locations. The implementation was seamless — less than a week, no disruption to operations. The savings paid for itself before the end of the first quarter.”
Selena P.
Elm & Vine Restaurants
Full-time W2 Employees
119
Amount Saved
$76,160
“I almost didn't call because I thought we were too small. We had 36 employees and saved $23,000 in year one. Don't wait as long as I did.”
Owen H.
Foundry Grill Group
Full-time W2 Employees
36
Amount Saved
$23,040
“My employees have a doctor available 24 hours a day and free medications delivered to their door. My turnover dropped 30% in the first six months. And I'm saving $47,000 a year. This is the best decision I've made as an operator.”
Camila V.
Aster House Dining
Full-time W2 Employees
74
Amount Saved
$47,360
“We were paying for a group health plan that kept going up every year. This framework layered on top of it, reduced our claims, and our renewal came in lower for the first time in four years. Plus $33,000 in savings. It's a no-brainer.”
Graham F.
Red Oak Restaurant Partners
Full-time W2 Employees
52
Amount Saved
$33,280
“Our group plan renewal had gone up 14% two years in a row. This framework reduced our utilization and our next renewal came in lower. Plus $53,000 in FICA savings on top of that.”
Nora B.
Cypress Room Collective
Full-time W2 Employees
83
Amount Saved
$53,120
“I was losing my best people to chains that offered benefits I thought I couldn't match. After implementing this, my next hiring post got more applications than any I'd run in three years.”
Julian K.
Market Lane Hospitality
Full-time W2 Employees
46
Amount Saved
$29,440
“We have 119 employees across four locations. The implementation was seamless — less than a week, no disruption to operations. The savings paid for itself before the end of the first quarter.”
Selena P.
Elm & Vine Restaurants
Full-time W2 Employees
119
Amount Saved
$76,160
“I almost didn't call because I thought we were too small. We had 36 employees and saved $23,000 in year one. Don't wait as long as I did.”
Owen H.
Foundry Grill Group
Full-time W2 Employees
36
Amount Saved
$23,040
“My employees have a doctor available 24 hours a day and free medications delivered to their door. My turnover dropped 30% in the first six months. And I'm saving $47,000 a year. This is the best decision I've made as an operator.”
Camila V.
Aster House Dining
Full-time W2 Employees
74
Amount Saved
$47,360
“We were paying for a group health plan that kept going up every year. This framework layered on top of it, reduced our claims, and our renewal came in lower for the first time in four years. Plus $33,000 in savings. It's a no-brainer.”
Graham F.
Red Oak Restaurant Partners
Full-time W2 Employees
52
Amount Saved
$33,280