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Take Control of Your Benefits:  Reduce Costs | Increase Value

Experience the Power of Custom Employee Benefits Planning – Get Started Today

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VOYAGE  CAN HELP YOU

Leverage Your Benefits & Free Up Your Funds

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SAVE 7.65% ON FICA TAXES
PERMANENTLY

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REDUCE  MANDATORY 
OVERTIME

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IMPROVE EMPLOYEE
 
HEALTH BENEFITS

Understanding the Challenge

When it comes down to it, the three major highlights are:  Saving on FICA Taxes, Preventing Unnecessary Employee Callouts, and Reducing Overtime Pay.

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The employer and employee must pay FICA taxes for every dollar paid out in wages.

Employers’ responsibility for FICA Payroll taxes are as follows:​

6.2%* for Social Security tax

1.45%* in Medicare tax

Save On FICA Taxes

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Sick pay is there for a reason, to cover the days when serious illness and unforeseen occurrences happen, not “might as well use it or else I’ll never get to take advantage of it.”

We’re looking to reduce unnecessary callouts by making it advantageous to save it. 

Reduce Employee Callouts

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High out-of-pocket health expenses can cripple even the most prepared employee. And early retirement can lead to a gap in coverage leaving many without relief. 

 

We endeavor to offset these expenses and increase your employee retention. 

Under-Utilized Benefits

Does your organization struggle with employee absences, under-utilized benefits?  Or wondering how you can  permanently save 7.65%* on FICA taxes?

By instituting programs such as a Special Pay 401a Plan or a Health Reimbursement Arrangement Plan, Voyage can help you overcome these struggles. 
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Powerful Alone, Better Together

What Is A Special Pay Plan?

A Special Pay Plan is a 401(a), 403(b), or 457(b) retirement plan designed to handle special forms of compensation in a tax-advantaged manner for governmental and school district employees. Funded upon retirement or at separation from service, these forms of compensation typically include unused sick leave and unused vacation pay.

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Image by Nathan Anderson
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What Is An HRA?

An HRA (Health Reimbursement Arrangement) offers a tax-free method to manage healthcare expenses for employees and their families, funded by leave payouts. It ensures lifetime access and benefits for dependents, allows for investment growth, and provides significant tax savings.

Benefits On Both Sides

The employer saves 7.65% FICA Taxes (SS and Medicare)

 

Turnkey plan administration, compliance, and education

24/7 online plan access—download plan documents, monitor account transaction and generate reports

 

IRS-approved plan documents

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Contributions are pre-tax

 

Flexible distribution options

 

Permanently save on Social Security & Medicare taxes contributions

 

Contributions are 100% fully vested

 

Full control over distribution timing for tax planning

Employee Benefits
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Partnering For a Brighter Tomorrow

We collaborate closely with public safety departments and local governments to tailor retirement planning and benefits strategies that meet the unique needs of their members. Our partnership approach ensures that every plan is customized, supporting the financial well-being of those who serve our communities.

*7.65% FICA savings applicable only on vacation and sick pay compensation.

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