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The Trifecta | Obviously Us — FICA Savings + Real Healthcare + Voluntary Benefits
The Three-Part System

Three pieces that work together.

Each one stands on its own. Together, they change how your business and your people experience benefits — entirely.

FICA Tax Savings

This is money you're already spending. We restructure how it flows — so both you and your employees keep more of it.

↓ Reduces payroll tax burden immediately

How It Works

Through a properly structured wellness plan — a SIMRP — your employees' contributions come out pre-tax. That lowers their taxable income, which means lower FICA taxes for them and for you. Simultaneously.

No raise required. No new spending required. You're restructuring what's already flowing through your payroll.

  • Employees take home more without a salary increase
  • Employer saves on FICA match on every enrolled employee
  • Contributions calculated by independent actuaries — IRS-defensible
  • Works alongside your existing major medical insurance
  • TPA-administered for full compliance and documentation

Real Healthcare Access

Forget the card. Your employees get actual access — before the problem gets expensive.

Zero out-of-pocket for employees

What's Included

A Health Screening Indemnity Plan that pays benefits directly when employees use preventive and wellness services — funding real healthcare access at little to no out-of-pocket cost. It works alongside existing insurance, not instead of it.

  • 24/7 virtual primary care — no wait, no co-pay
  • 1,100+ commonly prescribed medications at zero cost
  • Mental health access — no waiting weeks for an appointment
  • 24/7 virtual veterinary care (70% of your team has a pet)
  • Preventive care that catches problems before they become ER visits

When care is this easy to access, people use it earlier. Earlier means smaller problems, smaller claims, and a healthier team.

Voluntary Benefits

The right options — selected for your people, not pulled from a standard catalog.

Often funded by existing FICA savings

Built Around Your Workforce

Once the first two pieces are in place, we layer in voluntary benefits selected based on your workforce profile. These aren't pushed on your employees — they're available when life happens.

  • Life insurance
  • Accident coverage
  • Critical illness
  • Short-term disability
  • In many cases, funded in part by the FICA savings already flowing through the program

When someone on your team faces a serious diagnosis or unexpected injury, this is the piece they remember. And it's the piece that makes them stay.

Side-by-Side Comparison

The old way vs. the Trifecta.

The Old Way

Pick a Plan. Hand Out a Card. Hope for the Best.

  • Employees skip prescriptions due to cost
  • ER visits instead of early prevention
  • Mental health ignored until it's a crisis
  • Standard voluntary options nobody uses
  • Annual enrollment, then silence
  • Benefits cost you but don't retain people
The Obviously Us Trifecta

Real Access + Meaningful Coverage

  • 1,100+ medications at zero employee cost
  • 24/7 virtual care before problems escalate
  • Mental health access with no waiting and no bill
  • Voluntary options selected for your workforce
  • Ongoing administration handled for you
  • Benefits your people actually notice — and remember
The Process

Plain and simple. Here's exactly what happens.

No surprises. No jargon. Just a clear path from where you are to where you want to be.

1

19-Minute Zoom

No pitch deck. No pressure. We find out if this is a fit for your situation — and you'll know by the end of the call.

2

We Run the Numbers

Real savings based on your exact employee count and payroll. You see your actual numbers before you commit to anything.

3

We Handle the Setup

We design the program, coordinate with your payroll and HR, and manage administration. You don't become a benefits expert — that's our job.

4

Your Team Gets Access

Employees are enrolled and onboarded. They get virtual care, pharmacy benefits, and voluntary options. Most say they wish they'd had this sooner.

Is This Right for You?

The sweet spot is exactly where most of our clients live.

If you check most of these boxes, there's a very good chance the Trifecta makes sense for your business.

  • 10–500 W-2 employees
  • Owner who's actively involved in the business
  • You care about your people's wellbeing — not just their output
  • Open to doing things differently than the industry default
  • Currently paying for benefits that don't generate enough value
Find Out in 19 Minutes
"If you have employees and you're an owner who gives a damn — we should talk."
— Obviously Us
7.65% FICA rate on every wage dollar
$0 out-of-pocket for virtual care
About Obviously Us

I build benefit plans the same way I once built kitchens.

I'll be honest — when I was first offered a position in insurance, I walked away. It took a few unexpected turns before I gave it a real shot, and it turned out to be the best thing that happened to my career.

I grew up as a carpenter. I built kitchens, libraries, homes — places where people felt safe and comfortable. Benefits consulting isn't all that different. Same idea, different materials.

Since 2017, I've spent every year helping business owners take better care of their people without making it complicated. My team handles the heavy lifting — the setup, the administration, the details. Most clients are surprised by how little disruption there is.

Let's Have a Conversation
About Obviously Us

Warrenville, IL — serving employers nationwide since 2017

Common Questions

Everything you need to know before we talk.

These are the questions we hear most. If yours isn't here, the 19-minute call is the right place to ask it.

Still have questions? Book a free 19-minute Zoom. No forms, no commitment, no pressure — just straight answers about whether this fits your situation.

Book My Free Call
It depends on your employee count and payroll structure — which is exactly why we run the numbers before you commit to anything. The savings are real, documented, and calculated by independent actuaries. In most cases, the FICA savings alone offset a significant portion of the program cost. You'll see your actual numbers in the first 19-minute call.
No. The Trifecta works alongside your existing health insurance — not instead of it. The Health Screening Indemnity Plan is a supplemental preventive care program. Your employees keep their major medical coverage and gain additional access on top of it.
Yes. The contribution amounts are calculated by independent actuaries using established federal standards. A Third-Party Administrator handles all benefit payments, record-keeping, and compliance. The program is designed from the ground up to be compliant and auditable.
The sweet spot is 10 to 500 W-2 employees, with an owner who's actively involved. We'll tell you in the first 19 minutes whether it makes sense for your specific situation — if it doesn't fit, we'll say so.
Much less than most clients expect. The process begins with an employee census, which lets us build the program without interrupting your normal operations. The TPA handles the back-end compliance and record-keeping. Most business owners are genuinely surprised by how smooth the process is.
Book a 19-minute Zoom. That's it. No forms, no commitments, no sales pressure. We find out if this is a fit, run your numbers, and walk you through everything from there. If it's not right for your situation — we'll tell you that too.
Ready to See Your Numbers?

19 minutes.
Real numbers.
No obligation.

We run your FICA savings opportunity, show you what a properly structured plan looks like for your workforce, and answer every question you have. If it's not a fit, we'll tell you that too.

  • Your actual FICA savings estimate — not a range
  • A clear picture of what employees would gain
  • Straight answers on whether this fits your situation
  • No pitch deck, no pressure, no follow-up unless you want one
Book My 19-Minute Call →

No forms  ·  No commitment  ·  No obligation

Obviously Us is committed to serving you at the highest level with all your Group Benefits needs.

National Producer Number: 18604165

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