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ONYX

Section 125 done right.

A smarter way to lower payroll taxes and upgrade your benefits.

Running a business shouldn't force you to choose between protecting your margins and taking care of your team.

SmartHealth+ is a vetted Section 125 health benefits strategy that can reduce your payroll tax burden while giving employees meaningful new support, without cutting their take-home pay.

Book a 15-minute fit call Why employers look at this
Ryan Logan, principal of ONYX Business Advisors
Ryan Logan, ONYX Business Advisors. Sheridan, WY.

Who runs ONYX

A benchmarker, not a salesperson.

Ryan Logan runs ONYX Business Advisors out of Sheridan, Wyoming. Independent benefits benchmarking, no captive carrier relationships, no in-house insurance license. ONYX gets paid by the provider we refer, not by the employer we advise. That order matters.

Based
Sheridan, WY
Background
Independent Section 125 benchmarking
Carrier ties
None. Independent.
Compensation
Referral fee from the provider, disclosed upfront

Why employers look at this

Stretch your benefits dollars further, without asking employees to sacrifice.

This is not about swapping out your current plan. It is about making your existing spend work harder for you and your team.

  • Lower taxable payroll and potentially save hundreds of dollars per employee per year in payroll taxes.
  • Add high-value benefits like telemedicine, wellness support, and supplemental coverage on top of your existing health plan.
  • Keep employee net pay the same when the program is structured correctly.
  • Do it with a program that has been independently reviewed for structure and compliance, not just marketed on a slide.

What employees get

Your team doesn't care about tax code sections. They care about whether someone helps when life happens.

With the SmartHealth+ program, employees can gain:

  • 24/7 telemedicine access for common health issues without long waits.
  • Mental health and counseling support for stress, anxiety, and family challenges.
  • Wellness and lifestyle tools for fitness, nutrition, weight management, and smoking cessation.
  • Healthcare advocacy and navigation to help them understand bills, find providers, and use their current insurance.
  • Supplemental cash benefits on covered medical events, designed to work alongside your existing major medical plan.

All while keeping their take-home pay unchanged when the program is set up correctly through a Section 125 cafeteria plan.

How it works

In plain English.

The mechanics are technical. The idea is simple.

  1. 01

    Pre-tax contribution

    A portion of each participating employee's pay is set aside pre-tax under a Section 125 plan. This lowers taxable payroll for both the employee and the employer.

  2. 02

    Program funding and benefits

    Those dollars fund a limited benefit indemnity plan and preventive care/wellness program, the engine behind telemedicine, coaching, advocacy, and supplemental protection.

  3. 03

    Offsetting reimbursement or adjusted structure

    The program is designed so employees do not see a reduction in net pay when it is implemented correctly. The value they receive is in improved benefits and better access to care, not in a lower paycheck.

  4. 04

    Employer savings

    Because taxable payroll is lower, your company can save on payroll taxes while offering a stronger benefits package.

You don't need to be an expert in tax law. You need a structure that has been reviewed, explained clearly, and implemented by a licensed team that does this every day.

Why ONYX

Why ONYX only introduces SmartHealth+ when the fit is real.

There are a lot of programs in this space. They are not all built the same. Some are aggressive with their savings claims, vague about how benefits are triggered, or structured in ways that increase audit risk. That is not the kind of program ONYX will put in front of you.

Our role is simple

  • ONYX operates as an independent benefits benchmarker, not a captive sales arm.
  • ONYX reviews the structure, carrier backing, and trigger design before suggesting a conversation.
  • ONYX only introduces SmartHealth+ when the combination of savings, employee value, and design is worth your time.

You pay nothing to ONYX. If you move forward after meeting the SmartHealth+ team, ONYX earns a disclosed referral fee paid by the provider, not by your company.

The difference

Why SmartHealth+ feels different.

Business owners who move forward with SmartHealth+ tend to care about three things.

01 Saving money without gutting benefits

You are under pressure from rising health costs. You do not want to cut coverage or raise deductibles just to keep premiums in check. SmartHealth+ helps you capture tax efficiencies first, so you can relieve pressure on your P&L while making your benefits story stronger, not weaker.

02 Doing right by your team

You want employees to feel that you invested for them, not around them. This program adds tangible, usable benefits, 24/7 care, support, and supplemental protection, that employees actually touch and feel. It is the opposite of a glossy perk they never remember to use.

03 Confidence the program is built correctly

You do not want a "too good to be true" scheme that looks clever now and becomes a distraction later. SmartHealth+ is a fully insured program built to sit on top of your existing coverage, with structure designed to pay benefits on real, verifiable medical events and a licensed team that can walk your own advisor or counsel through how it works.

The goal is simple: you sleep at night, your team feels supported, and your finance team sees the numbers make sense.

Fit

Who this is, and isn't, a fit for.

This program tends to make the most sense for employers who:

  • Have roughly 50 to 400 employees on the payroll.
  • Offer group health coverage today and feel the cost pressure every renewal.
  • Want to improve their benefits story without adding a big new line item.
  • Are willing to spend 15 to 20 minutes to understand how the structure could work in their world.

It is not a fit if you are hoping for a magic trick that turns benefits into free money. It is a fit if you want to use the tax code intelligently while taking care of your people.

The call

What happens on a call.

A fit call with ONYX is qualification, not a hard pitch. In 15 to 20 minutes, the conversation will:

  • Review your employee count, benefits posture, and payroll setup.
  • Quickly map whether SmartHealth+ or any Section 125 style approach makes sense given your situation.
  • If there is fit, schedule a warm introduction to the licensed SmartHealth+ team to dig into specifics.
  • If there is not, you will at least know why.

There is no obligation, no promised savings number before your data is reviewed, and no pressure to move forward.

Book a 15 minute fit call

If you want to:

  • Reduce your payroll tax burden,
  • Provide your employees with better everyday health support, and
  • Feel comfortable that the program is structured to be taken seriously,

then a short conversation is the right next step.

Schedule via Google Calendar

Pick a fifteen-minute slot.

Mountain Time. The calendar will offer the next available openings on Ryan's schedule. No obligation, no sales pressure.

Open Ryan's calendar

Or email ryan@onyxpartner.org directly.