For Business Owners With 20–200 W-2 Employees and No Internal HR Team

Unlock Hidden Payroll Tax Savings Inside Your Employee Benefits — Without Changing Your Broker or Health Plan

JB Benefits & Consulting helps small and mid-sized businesses recover cash flow from payroll taxes using IRS-compliant benefit structures that increase take-home pay for employees and create positive cash flow for the business.

Our Purpose Is Simple

Fix What The Status Quo Can’t.

✓

Deliver Better Benefits with Lower Costs Every Time.

Smarter designs. Plans employees actually use.

✓

Reduce Total Spend, or You Pay Us Nothing

If we don’t deliver measurable savings, our work is free.

Traditional brokers can’t make that promise.

✓

Implement Real Cost Containment Strategies

Not gimmicks. Not recycled quotes. Proven specialists with 25+ years of experience competing for your best outcome.

Independent — Connected — Proven

Results and savings vary based on group size, claims history, carrier participation, and plan structure. Savings are not guaranteed.

Built for Owners Who Know Healthcare Is Broken — But Can’t Risk Disruption

JB Benefits & Consulting works with owner-led businesses that feel trapped by rising healthcare costs, shrinking margins, and advisors who only optimize premiums — not tax treatment.

Cash flow recovery, not plan shopping: We focus on payroll tax optimization using existing benefit structures, so savings come from how benefits are treated under the tax code — not by switching carriers or cutting coverage.

Zero disruption to your current setup: No broker changes. No new health plans. No new payroll systems. Our solutions layer on top of what you already have.

Designed for businesses without HR teams: We handle the analysis, structure, and rollout so owners and leadership don’t inherit more admin work or employee confusion.

What If Your Employee Benefits Produced Cash Instead of Costs?

Solution Preview

A Smarter Way to Turn Benefits Into a Cash-Flow Lever

From analysis → tax optimization → measurable impact — without disruption.

Payroll & benefits tax analysis

We analyze your current payroll, benefits, and employee count to identify where employer-side payroll taxes are being overpaid under the existing structure.

IRS-compliant benefit restructuring

Using tax-advantaged benefit frameworks, we design an add-on structure that legally reduces payroll tax exposure while improving employee access to care.

Implementation tied to payroll cycles

Once implemented, savings begin showing up directly in payroll runs — often within one to two cycles — creating visible cash flow improvements in the same quarter.

Stop Letting Payroll Taxes Quietly Erode Your Business

If payroll and healthcare are one of your largest expenses — and no advisor has ever shown you a payroll-tax savings analysis — you’re likely overpaying without realizing it.

JB Benefits & Consulting helps owner-led businesses document savings first, then implement only if it makes financial sense.

CLIENT TESTIMONIALS

Typical Results From Our Clients

EARNINGS & INCOME DISCLAIMER:

All testimonials on this page are from real clients. The results shown are averages and do not guarantee similar outcomes. Case studies show average results, not guarantees. Individual results vary due to factors like effort, and market conditions.

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The Process

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The Result

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Unlock Hidden Payroll Tax Savings Inside Your Employee Benefits — Without Changing Your Broker or Health Plan

Fix What The Status Quo Can’t.

Deliver Better Benefits with Lower Costs Every Time.

Reduce Total Spend, or You Pay Us Nothing

Implement Real Cost Containment Strategies

Built for Owners Who Know Healthcare Is Broken — But Can’t Risk Disruption

What If Your Employee Benefits Produced Cash Instead of Costs?

A Smarter Way to Turn Benefits Into a Cash-Flow Lever

Payroll & benefits tax analysis

IRS-compliant benefit restructuring

Implementation tied to payroll cycles

CLIENT TESTIMONIALS

Typical Results From Our Clients

EARNINGS & INCOME DISCLAIMER:

Client NameClient Name

Case Title Here

The Process

The Result

Client NameClient Name

Case Title Here

The Process

The Result

Client NameClient Name

Case Title Here

The Process

The Result

Client Name Client Name

Case Title Here

The Process

The Result

CLIENT TESTIMONIALS

What Our Clients are Saying?