Your payroll already overpays FICA. Infinite Optimize plugs into your existing provider, adds free preventive care for your employees, and returns 3% to 6% of gross monthly payroll to you — self-funding, zero invoices.
🛡 SOC 2 · Read-only · No payroll switch · 5-min setup
finch.infiniteoptimize.run — live
LIVE PAYROLL FEED
SYNCEDGross Payroll
This cycle · Gusto
$250,000.00
FICA Relief (7.65%)
Auto-calc via §125
+ $19,125.00
Net to Employer
Self-funded via ACH
+ $7,500.00
ERISA packet generated
SPD · 5500-ready · §125 docs
WORKS WITH
ADP Gusto Paychex Rippling BambooHR Paylocity Workday Deel +200 more via Finch APIHOW IT WORKS — 60 SECONDS TO PROFIT
No new vendor. No HR lift. Just a read-only API connection that converts FICA overpayment into self-funding benefits.
Read-only Finch token. No payroll switch, no HR lift. Your payroll team keeps their workflow.
Deploys IRS-compliant preventive care rider (labs, telehealth, behavioral, wellness) with full docs.
Live underwriting per payroll, variable ACH, 100% self-funding. If it doesn't fund, you don't pay.
LIVE CALCULATOR
Move the slider. Figures reflect our standard MEC Tax Rider framework under IRC §125 / §106 / §213(d): relief = payroll × 7.65%, net returned ≈ payroll × 3% after care and admin.
GROSS MONTHLY PAYROLL
$250,000
Type your exact numbers. Uses the same MEC Tax Rider formula our underwriting engine runs per employer via Finch API.
Default: standard $650/mo rider allocation
Net Employer Margin reflects your Gross FICA Savings after all program costs, calculated under our standard MEC Tax Rider framework.
⚠ Pre-tax deductions are capped at 30% of gross payroll per IRC §125 compliance rules. Your figures below reflect the capped amount — adjust headcount or deduction to see the uncapped scenario.
TOTAL PRE-TAX REDUCTION / MO
Headcount × pre-tax deduction
$19,500
GROSS FICA RELIEF / MO
Total FICA relief at 7.65%, before fees
$19,125
NET RETURN TO EMPLOYER
YOU KEEPAfter program costs
$7,500
ANNUAL NET PROFIT
Recurring, self-funded
$90,000
NET ROI
Estimated Baseline Floor (Up to 6% on Full Diagnostic)
3.0%
MULTI-YEAR CUMULATIVE ENTERPRISE VALUE
1-YEAR CUMULATIVE
$90,000
3-YEAR CUMULATIVE
$270,000
5-YEAR CUMULATIVE
5x LEVERAGE$450,000
CLEAR ANSWERS FOR CFOs & HR LEADERS
Yes, 100%. The framework operates under well-established statutory provisions: IRC §125 (Cafeteria Plans), IRC §106 (Employer-Provided Health Coverage), and IRC §213(d) (Medical Expenses). Every client receives an auto-generated, compliant ERISA Plan Document, Summary Plan Description (SPD), and §125 Plan Amendment. We do not use "wellness stipends" or artificial cash-loop schemes.
No. The preventive health rider is fully employer-funded through FICA tax savings. Employee paychecks are preserved or slightly increased due to income tax optimization, while employees gain immediate $0-copay access to virtual health, mental healthcare, and preventive labs.
Not at all. Infinite Optimize acts as a read-only middleware integrated via Finch API. It overlay-syncs with your current payroll provider (ADP, Gusto, Paychex, Rippling, Workday, etc.) and leaves existing health insurance carriers, plan networks, and broker commissions completely intact.
There are zero upfront out-of-pocket setup fees or fixed bills. Program administrative costs are reconciled dynamically on a per-payroll cycle basis directly from the generated FICA savings. If no savings are captured on a payroll cycle, no program fee is drafted. You remain cash-flow positive on day one.
Read-only. No payroll change. We analyze your last 3 payrolls and return a savings report specific to your business — verified via Finch API underwriting prior to activation.
INFRASTRUCTURE & COMPLIANCE
Turn mandatory payroll liabilities into active tax savings while delivering ACA-compliant health access—powered by automated payroll sync.
WHO WE ARE
Infinite Optimize helps employers structure secure, IRS-compliant payroll-based savings programs anchored directly in IRC Section 125 & Section 105. We aren't selling traditional high-cost major medical insurance; we deliver a modern compliance and payroll framework that unlocks maximum FICA payroll tax savings while providing essential healthcare access.
IRS CODE LEVERAGE
IRC Section 125 (Cafeteria Plans)
Allows pre-tax employee deductions, directly lowering total taxable payroll.
IRC Section 105 (Medical Reimbursement)
Provides the tax-free mechanism to reimburse qualified medical, preventive, and health expenses.
ACA Minimum Essential Coverage (MEC)
Meets federal compliance standards so your business satisfies ACA requirements with a low-cost, predictable structure.
TWO TAILORED PATHS
PATH A
For Employers Who Don't Offer Benefits
PATH B
For Employers Who Already Offer Benefits (The MEC Tax Rider)
COMPLIANCE & AUTOMATION
Clean IRS Compliance
No artificial "wellness stipends," fake employee cash loops, or audit risk. Just straightforward, legally sound pre-tax payroll deductions.
Automated by Finch API
Replaces monthly Excel censuses with direct payroll engine sync. Setup takes minutes, deductions sync automatically, and compliance runs in the background.
Questions? Email us at info@infiniteoptimize.co