With today’s competitive job market, businesses can no longer afford to provide antiquated benefits. They require smarter, more effective solutions that enable their people and their bottom line. That’s where the Core360 program from Health Sphere can help.

Core360 isn’t just a simple cafeteria plan. It’s a highly managed, contemporary solution that takes advantage of Section 125 benefits, with the addition of a Preventative Care Management Plan (PCMP) and a Self-Insured Medical Reimbursement Plan (SIMRP) — forming one of the most compliant, benefit-rich programs in existence today.

So, just what’s the actual return on investment (ROI) when you provide a program such as Core360 that boasts a 125 flexible benefits plan? Let’s add it up.

Understanding the Power of Core360 and Section 125 Benefits

First, let’s make the basics simple. A Section 125 benefits arrangement enables employees to pay for some benefits with pre-tax dollars. This saves employees money, and employers save too because pre-tax deductions lower payroll taxes.

But Core360 does even more. It doesn’t only stop at tax savings; it adds strong healthcare and wellness benefits with no effect on employee take-home pay. It’s an actual 125 flexible benefits plan upgrade.

Here’s why Core360 is unique:

• Fully Compliant: Created to keep pace with changing regulations.

 

• Hands-Off for Employers: We do the setup, administration, and support.

 

• Truly No Cost: No out-of-pocket costs to the employer.

 

• Employee First: Adds benefits without cutting pay.

 

• The Employer ROI: Real, Upfront Savings

Let’s be specific. With Core360, businesses usually save about $600 per W2 employee annually. That’s approximately $60,000 in savings for every 100 employees — and those savings kick in immediately upon plan implementation.

In addition to payroll tax savings, employers also realize:

• Lower healthcare claims: Improved preventative care and wellness management reduce claim costs by an average of $1,400 over three years.

 

• 30–45 Day Implementation: Quick, simple rollout with little disruption.

 

• Improved Employee Retention and Performance: Improved benefits equal happier employees, and happier employees stay around.

In short, Core360 not only pays for itself; it gives an immediate bottom-line surge.

The Employee ROI: Larger Paychecks, Better Health

Employees enrolled in Core360 see their net paycheck boost by 3–4%, or roughly $100 more each month, with no sacrifice in coverage or benefits they already receive.

Here’s what else workers receive:

• $0 Copay Telehealth: Unrestricted visits with doctors, nurses, and wellness coaches.

 

• Mental Health Support: Included counseling and addiction support services.

 

• Access to Mayo Clinic Wellness Tools: Equip workers with best-in-class health resources.

 

• Universal Life, Disability, and Critical Illness Coverage: Protection for life’s surprises.

 

• Spouse and Dependent Coverage Increases: Family care included.

Today, over 40,000 employees are already covered under Health Sphere’s Core360 plan — a figure increasing daily as more businesses see the strength of smarter benefits.

Why Core360’s Section 125 Benefits Strategy Works Better

When most businesses are considering Section 125, they’re considering straightforward premium-only designs or a basic cafeteria-type installation. Core360 rewrites the rules.

It’s more than a Section 125 benefits plan. It’s an ecosystem designed to stimulate long-term savings, employee satisfaction, and well-being, without jeopardizing compliance.

By marrying the 125 flexible benefits plan format with PCMP and SIMRP, Core360 provides unprecedented benefits:

• Increased healthcare access leads to healthier workers and reduced claims.

 

• Greater take-home pay translates to greater financial security and loyalty.

 

• Complete automated setup equals no added strain on HR teams.

When you provide Core360, you’re not merely providing a tax benefit. You’re providing a complete health and wellness overhaul — without any cost to your business.

A Closer Look at the Financial Impact

Let’s run through a quick example:

 

Company Size	Estimated Annual Savings (For Employer)	Additional Employee Take-Home Pay (For Employee)
100 employees	~$60,000	~$120,000 (combined)
500 employees	~$300,000	~$600,000 (combined)
1,000 employees	~$600,000	~$1.2 million (combined)

 

And remember — these savings don’t require cutting existing benefits or adding extra budget lines. It’s a win-win built into your current framework.

Health Sphere’s Mission: Better Benefits, Smarter Business

At Health Sphere, we’re on a mission to impact over 250,000 employees with better benefits that create real financial and health improvements.

Each year, companies throw away thousands in unnecessary payroll taxes, and workers lose out on valuable, tax-free health benefits. Core360 corrects that.

We think better benefits should be:

 

• Easy: Simple to roll out, simple to administer.

 

• Compliant: Completely IRS and DOL compliant.

 

• Actually Beneficial: Providing real value without hassle or disruption.

 

When you go with Core360, you’re going with a smarter, more contemporary approach to caring for your people — and expanding your bottom line.

Key Benefits Recap

• Save ~$600/year per W2 employee
• No out-of-pocket expense to employers
• Save $1,400 in healthcare claims over 3 years
• Rapid 30–45 day implementation
• 3–4% employee paycheck increase ($100/month)
• $0 copay Telehealth, wellness, mental health assistance
• Access to Mayo Clinic wellness dashboard
• Life, Disability, Critical Illness, and Family coverage upgrades

Ready to See the Real ROI for Your Business?

Providing wiser benefits doesn’t have to be complicated and expensive, and with Core360, it isn’t.

Schedule your 10-minute consultation today to learn how much you could save and how simple it could be to transform your employee experience.

Or obtain a free proposal now and embark on your journey to improved benefits with Health Sphere.