Better Benefits.
No Extra Cost.
Deliver modern, high-value benefits that attract and retain top talent — all without increasing your budget. We make it possible by leveraging an IRS-approved Section 125 structure to fully fund the program.
Works mid-year, no need to wait for renewal
Fully managed implementation
Zero disruption to your existing plan
Works mid-year, no need to wait for renewal
Fully managed implementation
Zero disruption to your existing plan
We believe employee benefits should do more than meet compliance requirements — they should genuinely improve lives. Our platform layers high-value benefits on top of your current plan, turning every dollar into measurable value for your people and your business.
We’re making zero-copay benefits a standard for every employer, regardless of size or budget. Using a proven Section 125 structure, we unlock $600–$1,800 in annual payroll tax savings per employee to fully fund these benefits and boost monthly cash flow — helping companies compete for talent, improve retention, and grow without adding costs.
Core Benefit Categories
Everyday Care
24/7 Telehealth, virtual urgent care, and nationwide RX coverage.
Preventative Health
Annual check-ups, screenings, and early detection programs.
Mental Health & Wellness
Zero-copay counseling, EAP access, mindfulness resources.
Family Coverage
Benefits extend to dependents at no extra cost.
Financial Protection
Group term life insurance and supplemental coverage.
Productivity & Retention
Benefits proven to reduce sick days and improve retention.
More for Employees, Without Spending More
We deliver high-value, zero-copay benefits without increasing your budget. Our program boosts cash flow by ~$1,190 per W-2 employee each month, strengthens retention, attracts top talent, and can reduce healthcare costs by 5–10% within 3 years through better preventative care and fewer claims
No New Costs
Funded entirely through $600–$1,800/year in payroll tax savings per employee.
Boost Cash Flow
~$90/month per W-2 employee, ready to reinvest in growth, hiring, or operations.
Improve Retention & Recruiting
Employees stay longer and top candidates take notice when benefits rival Fortune 500 packages.
Higher Employee Satisfaction
Zero-copay telehealth, mental health, prescriptions, and preventative care that families value.
Works With Your Current Plan
Keep your existing carrier, network, and broker — no disruptions or provider changes.
Fully Compliant & Managed
IRS Section 125 approved, ACA/HIPAA aligned, with audit-ready documentation and turnkey implementation.
Callout Box: It’s not just about saving money — it’s about creating a benefits package that your employees will appreciate, use, and remember. That’s what drives loyalty and long-term savings.
Our Benefits Are Powered by Section 125
We combine modern benefits design with a proven, IRS-approved Section 125 structure to unlock payroll tax efficiencies that fully fund high-value, zero-copay benefits — at no extra cost to you or your employees.
You keep your current health plan, networks, and broker. We simply integrate with your payroll system to layer our program alongside it, expanding coverage and enhancing employee well-being without disruption.
Existing plan (“Your Current Benefits”)
Section 125 engine (“Tax Advantage”)
Added benefits (telehealth, RX, mental health, wellness, family care)
Implementing Better Benefits Has Never Been Easier
1. Integrate Seamlessly
We connect with your existing payroll and benefits platform — ADP, Gusto, QuickBooks, Paychex, and more — with no disruptions or system changes.
2. Activate the Advantage
We apply a proven, IRS-approved Section 125 framework that quietly powers your new benefits through built-in tax efficiencies.
3. Deliver More Benefits, Zero Cost
Employees and their families gain access to high-value, zero-copay care — all without adding to your budget or reducing take-home pay.
Zero Risk. Fully Compliant.
We know compliance isn’t optional — it’s the foundation of trust. Our program is built on decades of benefits law, guided by experts who ensure every step meets or exceeds federal and state requirements. You get the peace of mind that comes from knowing your plan is bulletproof, audit-ready, and worry-free.
IRS Section 125 Approved
Structured under established cafeteria plan regulations for tax-advantaged benefits.
ACA & HIPAA Aligned
Meets all requirements for the Affordable Care Act and protects sensitive employee health data.
Audit-Ready Documentation
Complete plan documents, amendments, and compliance files provided from day one.
Experienced Compliance Specialists
Managed by experts with a track record of implementing 3,000+ compliant employer plans.
Year-Round Monitoring
Ongoing audits and updates to maintain compliance as regulations evolve.
No Broker Disruption
We work alongside your current benefits broker and carriers without interference.
What Our Clients Are Saying
Real stories from leaders who’ve enhanced their benefits, boosted retention, and strengthened their bottom line — all without increasing costs.
We were looking for a way to make our benefits package stand out without blowing up the budget. This program added telehealth, mental health counseling, and more — all at no extra cost. Our employees noticed the difference immediately, and our recruiting conversations have been much easier."
Technology Company
CEO
What Our Clients Are Saying
Real stories from leaders who’ve enhanced their benefits, boosted retention, and strengthened their bottom line — all without increasing costs.
"I was skeptical at first because it sounded too good to be true. But within weeks, we had new benefits live, employees were using them, and we didn’t have to change our existing plan or provider. It was simple, fast, and 100% compliant."
Multi-Location Retail Business
Owner
What Our Clients Are Saying
Real stories from leaders who’ve enhanced their benefits, boosted retention, and strengthened their bottom line — all without increasing costs.
"Rolling out new benefits usually means months of planning and disruption. This was different — zero changes to our existing plan, fully managed implementation, and we started seeing engagement from employees within days of launch."
Manufacturing Company
Director of HR
What Our Clients Are Saying
Real stories from leaders who’ve enhanced their benefits, boosted retention, and strengthened their bottom line — all without increasing costs.
“Our goal has always been to improve access to care, especially for employees’ families. This program gave us a way to cover dependents with high-quality benefits and no out-of-pocket costs. It’s been a huge morale boost and a win for retention."
Healthcare Organization
Chief People Officer
What Our Clients Are Saying
Real stories from leaders who’ve enhanced their benefits, boosted retention, and strengthened their bottom line — all without increasing costs.
"Not only did we add valuable benefits like telehealth, $0 prescriptions, and counseling for employees and their families, but we also generated over $200,000 in annual payroll tax savings to fund it all. The best part? No disruption to our existing plan — just more for our people and a stronger bottom line for the business."
Logistics & Distribution Company
CEO
Frequently Asked Questions
Answers to the most common questions about our modern, zero-cost employee benefits program — and how it works alongside your existing plan.
1. What is a Section 125 benefits plan?
A Section 125 plan, also called a cafeteria plan, is an IRS-approved program that lets certain employee benefits be offered on a pre-tax basis — lowering payroll taxes for employers and reducing costs for employees.
2. What is a cafeteria plan in employee benefits?
A cafeteria plan is a flexible benefits arrangement under IRS Section 125 that allows employees to choose from a menu of pre-tax benefits, such as health coverage, dental, vision, and other supplemental benefits.
3. Do we need to change our existing health insurance to use this plan?
No. Our program works alongside your current health plan, networks, and broker, with zero changes to your existing coverage or carriers.
4. How does your program add benefits at no cost?
We use a Section 125 tax-advantaged structure to unlock payroll tax savings, which fully fund new, high-value employee benefits without increasing your budget.
5. When can we start offering these benefits?
You can implement our plan mid-year without waiting for open enrollment, with most companies going live in 30–45 days.
6. Are the benefits really free for employees?
Yes. All added benefits are provided at zero out-of-pocket cost to employees and their dependents, with no reduction in take-home pay.
7. Is this plan compliant with IRS, ACA, and HIPAA rules?
Absolutely. Our program is fully compliant with IRS Section 125 regulations, ACA requirements, and HIPAA privacy protections.
8. Which employers can qualify for a Section 125 benefits program?
Most companies with W-2 employees qualify, regardless of industry, as long as payroll and benefits meet basic IRS eligibility requirements.
Blogs & Articles
Insights, tips, and real-world examples to help you create a benefits package employees truly value.
Talk With Our Benefits Team
We’d be happy to walk you through how our program adds meaningful, zero-copay benefits for employees and their families — funded entirely through Section 125 payroll tax savings.
We’ve helped thousands of companies improve benefits, boost retention, and save hundreds of dollars per employee each year — all without changing their current plans.
Contact us
help@treviabenefits.com
(786) 297 0045
Location
1688 Meridian Ave, Suite 700
Miami Beach, FL 33139
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