Based in Dallas–Fort Worth, Serving Nationwide
Led by CJ McElrath — Former U.S. Army veteran & benefits consultant serving businesses across the Dallas–Fort Worth area and nationwide.
A turnkey ACA-based strategy that reduces employer FICA liability and provides powerful wellness benefits for employees — without changing your current insurance plan.
Serving businesses nationwide with turnkey compliance solutions backed by tax attorneys and ACA specialists.
Per Enrolled Employee
The FICA Advantage Program follows a simple 5-step process to reduce your payroll taxes while enhancing employee benefits.
We confirm eligible W-2 employee counts and payroll structure.
Employer uploads recent payroll data for compliance review.
We calculate employer savings and employee benefits.
IronGate handles setup with payroll provider — no disruption to current benefits.
Employer sees reduced FICA liability, employees receive upgraded wellness benefits.
We deliver proven, compliant payroll tax savings backed by legal expertise and trusted by businesses nationwide.
Our program is developed and overseen by experienced ACA attorneys who ensure every detail meets legal standards.
Fully compliant with IRS Section 125 regulations, ensuring your tax savings are legitimate and audit-proof.
Quick, seamless setup with zero disruption to your operations. Start saving immediately with our streamlined process.
Zero out-of-pocket expenses for employers. No hidden fees, no implementation costs—just immediate savings.
Employees gain valuable wellness benefits at zero cost, including virtual care, mental health support, and more.
Join thousands of businesses across the nation who trust us to deliver reliable, compliant payroll tax savings.
Don't leave money on the table. Discover how much your business can save with our IRS-compliant FICA reduction program.
Schedule Your Free ConsultationThe FICA Advantage Program is fully IRS-aligned and generates $1,200 per W-2 employee annually. This video explains the process start to finish.
IRS-Compliant
Per Employee Savings
Simple Setup
We use a proven, compliance-driven benefit structure that re-allocates part of existing compensation—not new money—to tax-advantaged, ACA-compliant benefits.
We review your current payroll structure and employee count to estimate potential savings based on your actual numbers.
Our benefit specialists design an IRS- and ACA-compliant plan tailored to your organization, employees, and existing benefits.
Once implemented, you begin realizing FICA savings as early as the very next payroll, while employees gain access to enhanced wellness coverage.
We work with forward-thinking employers across many industries who have:
10 or more W-2 employees
Regular, recurring payroll
Desire to reduce payroll taxes
If you issue W-2s, there's a high chance this works for you.
Find Out If You QualifyMore cash flow, stronger benefits, and zero disruption to payroll.
Average savings of $1,000–$1,500 per employee per year
No upfront implementation fee
Potential six-figure annual savings for mid-sized employers
Cash flow freed up for growth, hiring, or debt reduction
Designed to work alongside your existing benefits
Fully handled by our implementation team
Simple onboarding process for HR and payroll
Improves recruiting, retention, and employee satisfaction
Employees don't just keep their paychecks—they gain access to valuable supplemental coverage and wellness resources.
Employees see little to no change in take-home pay, but a big upgrade in benefits and support.
From discovery to savings in 8 straightforward steps. We guide you through the entire process with expert support at every stage.
High-level overview and quick eligibility check. We'll discuss your business, employee count, and answer initial questions.
You provide recent payroll reports using a secure upload link. We'll guide you on exactly what we need.
You receive a detailed proposal showing estimated savings and employee impact based on your actual payroll data.
We formalize the relationship and prepare carrier documents. Simple, straightforward agreement with transparent terms.
Our team helps you complete all required benefit documentation with carriers. We handle the complexity for you.
You provide final employee details; we prepare for onboarding. Simple spreadsheet format with clear instructions.
A live Q&A session for your employees to explain benefits and answer questions. Can be in-person or virtual.
The program goes live and FICA savings begin appearing on your payroll reports. Employees gain immediate access to benefits.
Based on established tax code sections §105, §125, and §213(d) from the Affordable Care Act.
Every plan is reviewed by legal experts to ensure full regulatory compliance.
Complete audit protection with comprehensive documentation packages.
Seamless integration with ADP, Paychex, Gusto, QuickBooks, and more.
This is not a loophole or temporary credit. It's a long-term, benefits-based FICA strategy built to stand up to regulatory scrutiny.
Built for the long term with complete audit protection
Get clear answers to the most common questions about the FICA Advantage Program.
Most employers are surprised by how much FICA savings they've been leaving on the table.
Estimate your annual savings
Based on your actual employee count and payroll structure
Answer compliance and implementation questions
Get clarity on how the program works for your business
Outline next steps if it's a good fit
No pressure—just clear information to make the right decision