Employee Benefits for 3 to 30 Employees

A practical guide to employee benefits for businesses with 3 to 30 employees — covering Section 125 savings potential, plan options, cost comparisons, and implementation steps for small team employers.

Employee Benefits Solutions for 3–30 Employee Businesses

Businesses with 5–30 W-2 employees qualify for Section 125 Cafeteria Plans. Those with 3–4 employees can use WoW Health Plans. Both options deliver real healthcare benefits at a fraction of traditional group insurance costs.

Eligibility Note

Section 125 Cafeteria Plans require a minimum of 5 W-2 employees. Businesses with 3–4 employees should explore WoW Health Plans, which have no minimum employee requirement and provide comprehensive virtual and in-person care coverage.

Cost Comparison: 20-Employee Business

Traditional group insurance: $8,000–$16,000/month for 20 employees ($96,000–$192,000/year). Section 125 Cafeteria Plan: $0 employer cost, funded by $1,836/month in FICA savings ($22,032/year). Net savings: over $74,000 per year versus the cheapest traditional group option.

Benefits for Growing Businesses

As your team grows from 5 to 30 employees, Section 125 FICA savings scale proportionally. A 10-employee team generates $918/month in savings. A 30-employee team generates $2,754/month — all available to fund employee healthcare automatically.

Calculate Your Benefits Costs

Use the Summit Health Benefits FICA savings calculator to enter your employee count and average wage. Instantly see your monthly FICA savings and how they compare to the cost of providing benefits your employees will actually use.

Frequently Asked Questions

Questions about Section 125 for small teams, WoW Health Plans for under-5 businesses, part-time employee eligibility, and implementation timelines are answered on our FAQ page and in dedicated plan guides.