Voluntary Benefits for Southwest Florida Employers
Strengthen your employee benefits package at zero cost to your business. Voluntary benefits give your workforce access to dental, vision, disability, and life insurance — all funded by employees through convenient payroll deductions that also save you money on payroll taxes.
Zero Cost to You — Real Value for Your Employees
Voluntary benefits are employee-funded insurance products offered through your company's benefits platform. Unlike group health insurance where the employer typically contributes 50–100% of premiums, voluntary benefits are paid entirely by employees through payroll deductions. This means you can offer dental insurance, vision coverage, short-term disability, accident insurance, critical illness protection, and life insurance without spending a single dollar on premiums.
For Southwest Florida employers — especially construction companies, trades businesses, and small businesses in Fort Myers, Cape Coral, and Naples — voluntary benefits represent one of the smartest ways to build a competitive employee benefits package. Your employees get access to group rates they couldn't get on their own, and you get a stronger compensation package that helps recruit and retain skilled workers.
How Voluntary Benefits Save You Money Through Section 125
When voluntary benefits are offered through a Section 125 cafeteria plan, employees pay premiums with pre-tax dollars. This reduces their taxable income — and reduces your FICA payroll tax liability by 7.65% on every pre-tax dollar. For a construction company with 20 employees contributing an average of $200/month to voluntary benefits, that's over $3,600 per year in payroll tax savings for the employer.
$0
Employer Premium Cost
7.65%
FICA Tax Savings
6+
Coverage Options
Voluntary Benefits We Offer
Pair voluntary benefits with your group health insurance plan to create a comprehensive employee benefits package that rivals what large corporations offer — at a fraction of the cost. Combined with a level-funded health plan, this approach gives Southwest Florida businesses maximum coverage with minimum financial exposure.
Voluntary Benefits FAQ
Do voluntary benefits cost the employer anything?
No. Voluntary benefits are 100% employee-funded through payroll deductions. The employer pays nothing in premiums. In fact, when offered through a Section 125 plan, voluntary benefits actually save the employer money through reduced FICA payroll taxes.
Can I offer voluntary benefits without offering group health insurance?
Yes. Voluntary benefits can be offered as a standalone package or alongside group health insurance. Many small Florida businesses start with voluntary benefits as a first step toward building a full employee benefits program.
How do voluntary benefits help with employee retention?
Employees value access to group-rate insurance they can't get on their own. Offering voluntary benefits signals that you care about their financial security, which increases loyalty and reduces turnover — especially important for construction and trades companies competing for skilled workers.