Tulsa Lumber Yard – Payroll Tax Savings Case Study

Company Overview

Privately-owned building materials supplier serving local contractors and homebuilders. Payroll taxes represented a growing overhead burden as wages rose to stay competitive.

The Challenge

The employer faced:

• Increased payroll tax expense as wages climbed
• Difficulty staying competitive with benefits against larger chains
• Limited budgets to add new employee perks or training

The Solution

WIMPER enabled the company to restructure a portion of existing employee medical expenses into a compliant, tax-advantaged format under IRS Section 105 — reducing employer FICA tax liability without reducing wages.

Financial Impact

Metric	Value
Full-Time Eligible Employees	48
Annual Employer FICA Savings	$53,760
Avg. Savings Per Employee	$1,120 per year
Payroll Efficiency ROI	7.65%
Implementation Timeline	30–60 days

“We unlocked savings already buried in our payroll. No extra cost — just a smarter structure.”

Why It Works

• Fully compliant with IRS Section 105
• No reduction in employee net pay
• Supports employee wellness spending
• Savings accumulate every pay cycle

Small businesses can run lean without cutting employees or benefits. WIMPER creates financial breathing room with dollars already in payroll.

Compliance & Disclaimer

Results shown are based on real implementations of WIMPER for eligible employers. Actual savings were achieved under IRS Section 105–compliant plan design and third-party administration. Outcomes for future clients will depend on eligibility, plan participation, and ongoing compliance requirements.