Save $957 Per Employee.
It Costs You Nothing.
An IRS tax provision that has existed since 1978 lets your company redirect FICA taxes into supplemental benefits and Ziglar coaching sessions for every employee. Your team gets more. Your payroll costs go down. No new budget line required.
120,000+ employees already enrolled. A-rated carriers. Underwritten by Lloyd's of London. Built on the 50-year legacy of Zig Ziglar.
Powered by Enrichment Benefits USA
Sound Familiar?
Your Benefits Cost More Every Year.
Your Team Still Feels Underserved.
Insurance premiums are up 30% or more. Deductibles keep climbing. And the people development programs that actually retain talent? Most companies can't justify the $80,000+ price tag. Meanwhile, 51% of your employees are actively looking for their next job.
Benefits Costs Keep Rising
Every year, insurance gets more expensive and covers less. Your employees notice. The companies down the street are offering more, and your best people know it.
Losing People You Trained
Replacing one key person costs 50 to 200% of their salary. At 25 employees, losing even one can disrupt operations and burden the entire team. Retention is a financial issue, not just an HR one.
Coaching Is Out of Reach
You know that investing in your people pays off. The research shows 788% ROI on coaching. But traditional programs cost $80,000 or more. That budget line doesn't exist for most businesses.
Built for Owners Who Invest in People.
Not Companies Looking for Shortcuts.
You are a fit if:
25 employees or more with average salaries of $50K or above
Your mission statement says something about developing and taking care of your people
You want to offer competitive benefits without adding to your budget
You believe coaching and development actually matter, not just as a talking point
You hear yourself saying:
"I want to offer better benefits but I genuinely cannot afford another line item right now."
"I keep losing good people to companies that can offer more. And replacing them costs a fortune."
"I'd love to invest in coaching for my team, but the price tag on traditional programs is out of reach."
"There has to be a smarter way to structure benefits. We're paying too much for too little."
The Math
Real Savings. Real Benefits.
No New Budget Line.
$95,700
100 EmployeesAnnual FICA Savings at Scale
At 100 employees with a $50K average salary, your company saves roughly $95,700 per year in FICA taxes. At 25 employees, that's $15,000 to $23,500. This is money you are currently sending to the government that you do not have to.*
$50-80
Employee Paycheck Increase
Per month. Your employees' net take-home pay goes up, never down. Pre-tax contributions reduce their taxable income.
6
Ziglar Coaching Sessions
Per employee, per year. The benefit that separates this from every other supplemental plan. Funded entirely by the tax savings.
788%
Measured Coaching ROI
Peer-reviewed research on coaching effectiveness at Fortune 500 companies. Productivity, engagement, and retention all improve.*
Full Benefits Stack
Health, Rx, telemedicine, and supplemental benefits included. Comprehensive coverage that validates the savings are funding something real.
*Savings estimates based on IRS Section 125 FICA tax provisions. Actual savings vary by company size, average salary, and participation rate. Coaching ROI figures from peer-reviewed research and are not guaranteed for every organization.
The Full Package
Everything included – at
$0 cost to employees
Ziglar Life & Wellness Coaching
6 sessions/yr · 1-on-1 with certified coach · Personal development tools
24/7 Telemedicine
Behavioral health included · $0 copay · Covers entire family
Hospital Indemnity
Up to $1,000/day · Payable up to 30 days
Emergency Room
Up to $500/day · Sickness & injury
Critical Illness / Accident
$2,500 lump sum · Cancer, heart attack, stroke & more
Prescription Drug Plan
$0 copay · 1,100+ medications · Family coverage
Wellness Plan
Nutrition education · Stress & sleep programs · Smoking cessation
Virtual Veterinary Care
24/7/365 · 4 appointments/year · Dogs, cats, horses & more
Three Steps. Zero Disruption.
Your Existing Benefits Don't Change. This is a supplemental program. It layers on top of everything you already have. No changes to your current insurance. No new budget line. No risk to your existing setup.
We Run Your Numbers
Give us your employee count and average salary range. We build a savings estimate specific to your company. You see your actual FICA savings before you commit to anything.
"You have 25 employees? That's $18,750 annually you are currently sending to the IRS that you don't have to."
We Handle Enrollment
Employee communication, enrollment logistics, and benefits activation are all managed for you. Your team presents this as an investment in their people, because it is. Employees see more benefits and a higher paycheck. No disruption to existing insurance.
Your Team Starts Coaching
Six Ziglar coaching sessions per employee, per year. This is where the savings turn into something your team actually feels. The owner who cares about developing their people stops evaluating a financial product and starts imagining what this means for their culture.
This is where Enrichment Benefits promise becomes real for your team.
The IRS Built the Foundation.
Lloyd's of London Insured It.
Enrichment Benefits USA partners with the IRS, Lloyd's of London, and Ziglar Inc. to deliver a program that sits on three pillars your accountant and attorney can independently verify. The question is not whether it is legitimate. The question is why you haven't heard about it before.
IRS Section 125
Established 1978
Not a loophole. Not a gray area. Section 125 has been in the tax code since 1978, through every administration, with no material challenge to its structure. The IRS publication is publicly available. Your CPA can verify it in an afternoon.
Lloyd's of London
300-year underwriting legacy
Lloyd's of London reviewed the entire program structure and underwrote it. When the U.S. government and Lloyd's of London are both standing behind something, the question is not whether it is legitimate.
Ziglar Inc.
Building on Zig Ziglar's legacy
Zig Ziglar is one of the most recognized names in American business history. Ziglar Inc. does not attach their name to anything they have not vetted thoroughly. Tom Ziglar leads the company that has impacted over 250 million lives worldwide.
The Downside Is Zero.
The Upside is $15,000 and can easily exceed $100,000 PER year - based on your number of employees.
The employer has no financial exposure. If the savings don't materialize, you haven't spent anything. This is an asymmetric bet: the downside is zero, and the upside is real money your company keeps.
Every company we assess with 25 or more employees has had recoverable FICA savings. The only question is how much. We'll walk you through the calculation with your specific numbers.
15-minute conversation. We run your numbers. No commitment. No pressure.
The Downside
If for any reason the savings don't materialize, you have spent exactly $0. There is no financial exposure for the employer.
The Upside
Real FICA savings, Ziglar coaching for your entire team, and supplemental benefits that make you a more competitive employer.
Both Employee Paychecks and Employers bottom line go UP
($50,000 annual income example)
Without QHB
Doe, John
With QHB
Doe, John
How It Works
TOTAL TAXES
Saved
$396.14
COST OF INSURANCE
EMPLOYEE PAYCHECK
Increase Per Month
$96.14
AVERAGE ANNUAL INCREASE
In Take Home Amount Per Employee
$1,153.68
ANNUAL EMPLOYER
Savings
$957
See Your Savings
Calculate Your Company's FICA Savings
Enter your employee count to see your estimated annual savings.
Based on average employee salary
Annual FICA Savings
$23,925
Real money your company keeps every year
Monthly Savings
$1,994
Per Employee / Year
$957
*Savings estimates based on IRS Section 125 FICA tax provisions. Actual savings vary by company size, average salary, and participation rate.
This Isn't a Benefits Product.
It's a People Development Strategy That Pays for Itself.
Most supplemental benefits programs exist to check a box. Ziglar Quantum exists because Zig Ziglar spent 50 years proving that when you invest in people, performance follows. The tax savings are the mechanism. The coaching is the mission.
The companies that adopt this aren't just saving on FICA. They're building a culture that competitors cannot replicate by writing a bigger check. You can match someone's salary. You cannot match the fact that their employer funds world-class coaching and genuinely invests in who they are as a person.
Supplemental, not a replacement. Your current benefits stay exactly as they are.
A-rated insurance carriers.
Available in all 50 states. Quantum's legal team handles any government inquiries.
One-page CPA summary included. Hand it to your accountant. We have nothing to hide.
"My father spent his life helping people get everything they want by helping enough other people get what they want. This program is the continuation of that mission. When employers invest in their people, everyone wins."
"I have been in the insurance industry for nearly 3 decades. I have never seen a program that offers the combination of Employer savings, Employee benefits, and true quality of life enhancement we can offer through Enrichment Benefits USA powered by Ziglar and Quantum Health Benefits. The only cost is how much you lose every month by waiting."
Get Your Custom Savings Estimate
15-minute conversation. We run your numbers. No commitment. No pressure.
Common Questions
We believe in full transparency. If your question isn't answered here, we encourage you to bring your accountant or attorney to the conversation.
That is the most common reaction, and it is the right one to have. Here is the straightforward answer: IRS Section 125 has been in the tax code since 1978. It allows pre-tax contributions to qualified benefits, which reduces FICA obligations for both employer and employee. The savings are real because the tax code is real. Lloyd's of London reviewed the entire program structure and underwrote it. When the U.S. government and Lloyd's of London are both standing behind something, the question is not whether it is legitimate. It is why more companies have not done it yet.
No. This is entirely supplemental. Your existing insurance, health plan, and benefits package stay exactly as they are. Nothing changes, nothing gets replaced. Ziglar Quantum layers on top of what you already have. It adds benefits and coaching. It does not touch what is already working.
Section 125 has survived every administration since 1978 with no material challenge. It is not a loophole or a gray area — it is a deliberate provision of the tax code that has been reaffirmed through decades of bipartisan governance.
Full transparency: the program is funded by the FICA tax savings that are legally structured through Section 125. The carriers, Ziglar, and the program administrators are compensated through the benefits structure itself, not by charging you anything additional. Your company saves money. Your employees get more. The structure works because the tax provision creates enough value for everyone involved.
We encourage that. In fact, we provide a one-page CPA summary written in plain language, citing the relevant IRS code, with contact information for follow-up. We also provide Lloyd's underwriting documentation. Your trusted advisors can verify the entire program independently. We have nothing to hide, and the fact that we hand you the tools to check our work should tell you something.
This is different from a gym membership nobody uses. Ziglar coaching sessions are structured, personal, and directly tied to the employee's professional growth. Companies that have rolled out the program report genuine engagement because the sessions are valuable and the Ziglar name carries weight with people who care about self-improvement. When your team sees that their employer is investing in them as people, not just as workers, the dynamic changes.
Yes. At 25 employees with a $50K average salary, you are looking at roughly $15,000 to $22,500 in annual FICA savings. For a business owner at that size, this is personally meaningful money. You are close to every dollar. And the coaching impact at 25 people is even more concentrated than at 1,000. Every person on your team matters more. Six coaching sessions per person moves your entire culture.
Every Month You Wait is Another Month Paying Taxes You Don't Owe. At $80 per employee per month in recoverable FICA savings, a 50-person company is sending $48,000 a year to the government that could stay on the balance sheet and fund coaching for the entire team.
One Conversation.Real Numbers.
15 minutes. We walk through your numbers with your actual headcount and salary data. You see exactly what your company saves. No commitment required. Let's talk with Enrichment Benefits.