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Q Solutions Group
IRS-Approved Zero Net Cost All 50 States 5+ W2 Employees

Your Employees Keep More.
You Pay Less.

Your employees get more in their pocket. You pay less in payroll taxes. No new insurance. No salary changes. Just a smarter use of a tax code most businesses don't even know exists.

ESTIMATED · 25 EMPLOYEES
$354,000
Annual payroll tax savings for your business
Recovered from FICA, at zero net cost
Monthly Benefit Reserve
$5,600
Net Cost to Implement
$0
Tax Savings / mo
$305.03
Per Employee / yr
$363.24
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See Your Numbers.

Enter your payroll details. All results are estimates for illustration purposes.

Your inputs
$6,000
25
$820

Drag the sliders. Numbers update live. All results are estimates for illustration.

Est. Annual Employer Savings
$0
Recovered FICA across all W-2 employees, at zero net cost
Monthly Benefit Reserve
--
Monthly Tax Savings
--
Employee paycheck · line by line
Net take-home pay · unchanged--
Monthly Payroll Reduction
--
Annual FICA Savings
--
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How It Works in 4 Steps.

01
Establish the Plan

A licensed specialist sets up a Section 125 Cafeteria Plan and a SIMERP Section 105(b) written plan document for your business.

02
Employee Pre-Tax Election

Employees elect a $1,180/month pre-tax contribution. Taxable income drops, reducing federal, FICA, and applicable state taxes for everyone.

03
SIMERP Reimburses

The SIMERP reimburses the $1,180 back to the employee, tax-free. Same take-home pay plus a monthly wellness benefit reserve.

04
Wellness Benefits Funded

Tax savings fund telemedicine, critical illness, disability, and supplemental wellness coverage at zero additional cost to employer or employee.

$1,180
Pre-Tax Deduction
per employee / month
$81
Admin Fee
fully offset by tax savings
7.65%
FICA Savings Rate
employer and employee combined
1-2 wks
Implementation Time
savings start next payroll

Every Party Gains.

Most benefit programs favor one side. SIMERP is structured so the employee, the employer, and the business all come out ahead at the same time.

FOR YOUR TEAM
Wellness Benefits at Zero Cost

Employees access telemedicine, preventive care, mental health support, and chronic illness management — all funded by their own tax savings, at zero out-of-pocket cost.

$0
Net cost to employer or employee
THE RESERVE
Monthly Benefit Reserve

Each enrolled employee builds a monthly benefit reserve of $200 to $300, funded by tax savings from the Section 125 pre-tax election. No new premiums, no budget impact.

$5,600/mo
Estimated total reserve
Based on 25 employees
THE BUSINESS
Payroll Savings for the Business

Every enrolled employee reduces taxable payroll by $1,180 per month. The employer's FICA and Workers Comp contributions drop accordingly across the entire team.

$1,180 x emp
Monthly payroll reduction
Use calculator for your estimate
Miguel Querales
All 50 States Served
Miguel Querales
Business Optimization Strategist

I work exclusively with business owners to help their teams access real wellness benefits at zero net cost — for the employer and for the employees. No salary cuts. No new insurance. Just a smarter, IRS-compliant way to restructure what you are already paying.

I partner with businesses in every state to deliver a tax optimization strategy, implementing programs that are funded by the same tax codes most companies do not even know exist.

IRC 105 and 125 ERISA Compliant HIPAA Compliant All 50 States 5+ W2 Employees
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100% Legal. IRS-Approved.

Built on the U.S. Tax Code exactly as Congress designed it. Not a loophole. Structured correctly with proper documentation, every plan is fully audit-ready.

IRC Section 105 IRC Section 125 IRC Section 106 ERISA Compliant HIPAA Compliant ADA Compliant IRS Chief Counsel Advice 202323006 Written Plan Document Required Annual Non-Discrimination Testing

Everything You Need to Know.

The questions every business owner asks before implementing a SIMERP plan.

Yes, 100%. SIMERP plans are built on IRC Sections 105, 106, and 125, part of the U.S. Tax Code for over 70 years. Reviewed annually by IRS Chief Counsel and fully audit-ready when structured with proper documentation.
No. SIMERP works alongside your existing benefits. It adds a tax-advantaged layer on top of what you already have. Nothing changes, nothing is removed.
Net take-home pay stays exactly the same. The SIMERP reimburses the full pre-tax deduction, tax-free. In most cases employees see a slight increase due to the benefit reserve.
We work with businesses with a minimum of 5 W2 employees. The plan scales — more enrolled employees means greater total savings. There is no maximum.
Most businesses are up and running within one to two weeks. Written plan documents are prepared, employee elections completed, and savings begin with the next payroll cycle.
The strategy call is completely free. The $81/month employee administration fee is the only ongoing cost, and it is fully offset by each employee's tax savings — making the net cost to both parties zero.

Let Us Talk About Your Business.

No paperwork. No obligation. Just 30 minutes that shows you exactly what your business is leaving on the table.

@
Miguel@qsolutiongroup.com
L
Nationwide, Based in Tennessee
See It in Action. Free.

In 30 minutes, Miguel walks you through exactly how SIMERP works, shows you a clear estimate for your business, and answers every question you have.

✓
30 minutes to fully understand how the program works
✓
Clear estimate of your potential savings
✓
Every question answered before you make any decision
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Your business details are collected once during booking. No double entry required.