PCMP Pre-Tax Benefit Program

Unlock Hidden
Tax Savings

Get an instant estimate or upload your census for a full, personalized proposal.

Quick Savings Estimate

Enter your number of full-time employees (working 30+ hours/week) and your state to see an instant savings snapshot.

Your Company Details

Assumptions used in this estimate:
  • 15% federal income tax rate per employee
  • State income tax rate based on state selected
  • 7.65% FICA tax (employee & employer) — or 1.45% Medicare only if public sector toggle is checked

Enter your employee count and state to see your savings estimate.

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The True Tax Savings Analysis is available to registered users. Sign in or create a free account to upload your census and generate a full proposal.

True Tax Savings Analysis

Upload your actual employee census for a precise, employee-by-employee savings breakdown — plus a downloadable executive proposal PDF ready to present to your client.

1
Client Info
2
Census Upload
3
Results

Client Information

Enter the details for the company you are preparing this proposal for.

Employee Census Upload

Download the template, fill in your employee payroll data, and upload it here.

Census Template

Required columns: Employee Name, Employee ID, Gross Pay Per Period, Federal Tax Withheld, State Tax Withheld, FICA Tax Withheld, Pay Frequency

Pay Frequency values: weekly, bi-weekly, semi-monthly, monthly, quarterly, annual

Results for Company

Here is your Tax Efficiency summary based on the uploaded census.

Total Employer Net Annual Savings
$0
After $50/employee/month management fee
Total Employee Net Annual Savings
$0
After $139/employee/month management fee
Employer 20-Year Retirement Growth
$0
Employer savings reinvested at 4% annual return
Employee 20-Year Collective Wealth
$0
Employee savings compounded at 4% annual return
Employees with Positive Savings
of total enrolled
Avg Employee Net Savings
per benefiting employee/year
Total Employees
Employees Who Save
Avg Savings (Benefiting Employees)

Download Your Results

Get a complete CSV data export and a branded executive proposal PDF ready to share with your client.

Results in Minutes

Upload your census and our engine calculates individual and aggregate savings instantly.

IRS-Compliant Strategy

The PCMP program is a Section 105 plan — a proven, fully compliant pre-tax benefit structure.

Proposal-Ready PDF

Download a client-facing executive proposal with your savings data — no formatting needed.

20-Year Projection

See the compounding power of employer FICA savings reinvested at 4% over two decades.