Engineered for
Strategic Leadership
Engineered for Strategic Leadership
Strengthening Organizations Through Real, Zero-Cost Financial Impact
Leadership carries the responsibility of protecting the financial well-being of its workforce—both on and off the job. At Vital Edge, our mission is to make that responsibility more efficient, more strategic, and more impactful.
Through a fully compliant, IRS-approved Section 125 Cafeteria Plan, employers can reduce payroll tax exposure through pre-tax structuring while increasing employee take-home pay—all without adding cost or administrative burden to the organization.
In collaboration with Champion Health Services, we manage implementation, employee education, and ongoing compliance—allowing executive teams to remain focused on growth, performance, and long-term organizational priorities.
The result is a measurable advantage at every level: a stronger workforce framework that increases employee financial outcomes, improves retention, delivers meaningful payroll tax savings, and creates the opportunity to reinvest capital back into the business and the communities it serves.
- Reduced employer payroll tax liability through compliant pre-tax structuring
- Increased employee net income without raising wages
- Fully funded supplemental health benefits through tax savings
- Zero net cost to the organization and employees
- Improved retention and workforce stability
- Immediate, measurable, and repeatable financial impact year over year
This is what happens when payroll is engineered—not just processed.
Vital Edge is not a traditional benefits provider. It is a strategic payroll and workforce optimization platform—built on the disciplined application of the Section 125 Cafeteria Plan and delivered through the CHAMP Plan™.
For leaders who understand: structure drives results.
Employer Benefits
EMPLOYER BENEFITS
Pre-Payroll FICA Tax Savings
Save an average of
$47.80
Per member/per month
For 1,000 members:
➤ $47,800/month
➤ $573,600/year
in payroll tax savings
EMPLOYEES
Average Pay Increases*
$123.00
Per employee/per month
24/7/365 Access to:
100% Unlimited Prevention Medical Physical and Health Wellness Care
$0 Copay
$0 Deductible
For Employees Only:
In-Person Primary Care
In-Person Urgent Care
Virtual Benefits for
Employee & Family
Actual increase based on employee’s wage and region.
After enrolling in
The CHAMP Plan™
There is an Optional
Offer for You
Donation to
501(c)(3)
Organization
For 1,000 Employees:
➤ $20,000/month
Support for your
Nonprofit Initiatives:
Offering a $20 per member, per month donation to the register 501(c)(3) nonprofit organization of your choice.
Immediate Savings
An IRS Section 125 IRC Cafeteria Plan creates instant and guaranteed tax savings for employees and their contributing employers. By allowing employees to use pre-tax dollars for eligible benefits, it reduces taxable wages—lowering FICA expenses and putting more take-home pay back into employees’ pockets from day one. This is a responsible financial decision that delivers real savings without increasing costs.
Non-measurable Savings
Beyond the immediate tax advantages, an IRS Section 125 IRC Cafeteria Plan strengthens union culture and long-term financial health. When employees feel supported with meaningful benefits, morale increases, loyalty grows, and turnover decreases—saving employers time, resources, and the hidden costs of employee’s disengagement. These quality-of-life improvements create a stronger, more unified workforce.
Offloading Claim Savings
An IRS Section 125 IRC Cafeteria Plan can help reduce the strain on traditional health insurance plans when certain services are accessed outside of the primary group health policy. Fewer claims contribute to more stable healthcare costs and can help protect employees and employers from steep annual premium increases. This proactive approach allows employers to safeguard resources and maintain long-term benefit affordability for employees.
Why Leaders Choose
Vital Edge Benefits Group
Adds Measurable Employee Value
Employees gain proactive, preventive health care at zero out-of-pocket cost including unlimited primary care visits, mental health support, and family telehealth access. It’s a simple, high-impact way to enhance your existing benefits package while improving quality of life.
Promotes Retention & Satisfaction
When your employees feel cared for, loyalty and connection grows. Offering zero-cost supplemental care builds goodwill, strengthens trust, and reflects leadership’s genuine commitment to the health and happiness of every employee you represent.
Ensures Compliance & Simplicity
Every aspect of the Champ Plan operates under IRS Section 125 IRC Cafeteria Plan, ensuring total compliance and transparency. Our trusted partners handle reporting, onboarding, and documentation, making administration easy and worry-free for leadership teams.
Supports Transparency & Trust
Vital Edge was built on openness and integrity. With full documentation, clear reporting, and ongoing support, leaders can feel confident that every step of the process meets federal standards and strengthens long-term employee trust.
“Timeline showing the federal foundation and regulatory history of Section 125 Cafeteria Plans under Internal Revenue Code (IRC) §125 from 1978 through today.”
IUPA Local 212
Ready to Learn More?
Book an Executive Briefing today to see how Vital Edge Benefits Group can strengthen your leadership impact, increase employee satisfaction, and deliver real results — all at zero cost to your employees.