Unlock Payroll Tax Savings. Elevate Employee Benefits.
SilverOak Advantage helps businesses reduce payroll taxes using an IRS-approved Section 125 structure—then reinvest those savings into $0-copay benefits employees and families truly value. All without changing carriers or increasing your budget.
$900-1,190 in tax savings per employee, per year
Zero-copay benefits employees actually use
Fully compliant and audit-ready
No disruption to your existing plan or broker
Trusted Advisors in Tax Savings and Employee Benefits
We help CEOs, CFOs, business owners, and HR leaders unlock hidden savings while building benefits packages that drive retention.
At SilverOak Advantage, we believe stronger businesses grow from strong financial roots. That’s why our mission is clear: turn payroll tax inefficiencies into new cash flow and reinvest those dollars into better benefits—without costing you a penny more.
Our team brings decades of experience in tax strategy, compliance, and benefits design. We’ve helped companies across industries—from healthcare to manufacturing to retail—save millions in payroll taxes while boosting employee satisfaction. Whether you’re a CEO focused on profitability, a CFO concerned with compliance, an HR leader looking to improve retention, or an owner competing for talent, SilverOak Advantage is built for you.
112,000 employees enrolled
3,000+ compliant plans successfully implemented
Millions in payroll tax savings delivered nationwide
Why Employers Benefit Beyond Savings
SilverOak Advantage isn’t just about freeing up cash flow—it’s about giving employers a competitive edge:
Boost Satisfaction
Employees value benefits they can actually use.
Attract Top Talent
Offer Fortune 500-style perks without the Fortune 500 budget.
Reduce Turnover
Stronger benefits create loyalty and lower hiring costs.
Lower Healthcare Costs
Preventative care reduces long-term claims.
Strengthen Culture
A better benefits package signals you care about your people.
Practical Benefits That Make a Real Difference
With BlueHaven Core, employees and their families receive meaningful coverage they can rely on—delivered at zero out-of-pocket cost and layered onto your current plan.
Always-On Virtual Care
Doctors available day or night, without long waits or high bills
Prescription Access Program
Hundreds of common medications covered at no charge
Mental Wellness Resources
Licensed counselors, therapy sessions, and support tools included
Family Protection
Dependents automatically covered, no added premiums
Life Insurance & Security Benefits
Peace of mind with group life coverage
Preventative Screenings & Health Checks
Annual exams and early detection services
Digital-First Experience
Simple mobile access for appointments, prescriptions, and support
Simple, Seamless, and Mid-Year Friendly
We make implementation painless, with most companies live in 30–45 days.
1. Integrate Seamlessly
We connect with your payroll and benefits system (ADP, Paychex, Gusto, QuickBooks, and more).
2. Activate the Advantage
We apply the Section 125 framework that unlocks payroll tax savings.
3. Deliver Benefits
Employees gain access to their new, zero-copay benefits without changing carriers or brokers.
The Employer ROI
Every 100 employees generate approximately $68,000 per year in new cash flow—funds that can be reinvested into operations, growth, or employee programs.
$600–$1,800 per employee, annually
5–10% healthcare cost reduction within 3 years
Tangible retention and recruiting improvements
Audit-Ready. Always Compliant.
Compliance is non-negotiable. That’s why every SilverOak Advantage program includes:
IRS Section 125 approved plan structure
Written plan documents from day one
ACA & HIPAA alignment for full legal protection
Annual nondiscrimination testing
Ongoing compliance monitoring and updates
With SilverOak, you get peace of mind knowing your program is bulletproof and audit-ready.
Proven Results Across Industries
Tech Firm (150 Employees)
Saved $150K annually in payroll taxes, added telehealth + RX coverage.
Retail Chain (80 Employees)
Reduced turnover by 15% after introducing $0-copay benefits.
Manufacturing Company (200 Employees)
Generated over $200K in new tax savings—funded dependents’ coverage without new costs.
What Employers Are Saying
“We were skeptical at first, but within weeks, employees were using the new benefits, and our company had freed up six figures in payroll tax savings. It’s a true win-win.”
CFO
Healthcare Company (220 Employees)
“Recruiting has been easier since implementing SilverOak Advantage. Candidates are shocked when they learn about $0-copay benefits.”
CFO
Logistics Firm (180 Employees)
“Implementation was seamless—no disruption, no carrier changes, and now employees are happier than ever.”
Director of HR
Retail Group (90 Employees)
FAQs — Section 125 and SilverOak Advantage
1. What is a Section 125 plan?
A Section 125 plan, also called a cafeteria plan, is an IRS-approved program that allows certain benefits to be offered on a pre-tax basis. This reduces both employer payroll taxes and employee taxable income.
2. How much can employers save with a Section 125 plan?
Most businesses save between $600 and $1,800 per employee annually, which can add up to tens or hundreds of thousands of dollars per year in payroll tax reductions.
3. Do employees lose take-home pay under this program?
No. Employees’ net pay remains the same while gaining access to additional $0-copay benefits funded entirely by the employer’s tax savings.
4. Do we need to change our health insurance carrier or broker?
Not at all. SilverOak Advantage works alongside your existing plan and broker, with zero disruption to your current coverage.
5. What benefits do employees receive under SilverOak Advantage?
Employees and their families gain access to virtual care, $0 prescriptions, counseling, preventative screenings, life insurance, and more—all at no out-of-pocket cost.
6. Is a Section 125 plan compliant with IRS, ACA, and HIPAA regulations?
Yes. Our programs are fully IRS-approved, aligned with ACA and HIPAA requirements, and include audit-ready documentation and nondiscrimination testing.
7. How quickly can we implement a Section 125 plan?
Most employers launch within 30–45 days, and you don’t need to wait for open enrollment or your renewal period.
8. Which employers qualify for SilverOak Advantage?
Any U.S. business with W-2 employees can qualify. We work with companies of all sizes and industries, from 10 employees to 1,000+.
Insights on Tax Savings and Employee Benefits
Stay informed with expert content on Section 125 plans, compliance, and modern benefits design.
Talk With SilverOak Advantage Today
See how much your company can save—and what benefits you can add—without spending more.
Unlock Payroll Tax Savings. Elevate Employee Benefits.
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