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Preventative Care Management
Program (PCMP)
Reduce payroll tax liability by an average of $650 per employee annually while improving employee health and boosting your bottom line.
Number of W-2 Employees
5025,000
Average Annual Salary
$20,000$200,000
Payroll Frequency
Annual Employer Savings
Estimate only
Monthly Employer Savings
Savings Per Payroll
Employee Spend
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Candor Health, Redefined
Cut your FICA tax burden while providing your employees with essential, no-cost benefits they truly value.
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*Calculations are for illustration purposes only
What is the PCM Plan?
The Preventative Care Management Program (PCMP) is a tax-advantaged health benefits plan that leverages Section 213(d) of the IRS Code (strengthened by the CARES Act).
Our program helps businesses reduce payroll tax liability while providing employees with comprehensive wellness benefits and supplemental insurance options—all with no out-of-pocket costs to either party.
The PCM Plan combines financial benefits with genuine health improvements, creating a triple-win solution for employers, employees, and the government.
Preventative Benefits for Your Business
Significant Tax Savings
Save an average of $650 per employee annually in payroll taxes. For a business with 1,000 employees, that's $650,000+ in potential savings each year.
Easy Implementation
Our 5-step process ensures seamless integration with your existing payroll and HR structures. Be operational within 30-45 days with minimal disruption.
Improved Retention
Enhance employee satisfaction and loyalty with comprehensive wellness benefits. Stand out in a competitive market by offering superior benefits.
Increased Productivity
Healthier employees mean fewer sick days and higher productivity. Our preventative approach helps catch health issues early and reduce absenteeism.
Full Legal Compliance
Our program is fully compliant with IRS regulations and ACA requirements. It has undergone thorough review by CPAs and ERISA attorneys.
No Out-of-Pocket Costs
Implement the PCM Plan with zero net cost. The program pays for itself through tax savings while delivering valuable benefits to your workforce.
How It Works
Estimated Time: 30 Days
Initial Census
We collect basic employee data to generate post-tax allotment numbers for each employee.
Proposal
Our algorithm generates a detailed proposal showing tax savings for both employees and your company.
Detailed Census
After approval, we complete a detailed census for enrollment in wellness benefits and insurance.
Payroll Setup
Our specialists set up additional line items in your payroll system and run a mock payroll to ensure accuracy.
Invoicing
You receive a monthly consolidated invoice through a third-party administrator for simple management.
Success Stories
Pharmaceutical Company
18,000 employees across 100+ locations implemented the PCM Plan, resulting in significant tax savings and improved employee wellness metrics.
Global Manufacturing Enterprise
A 3,200-employee manufacturing company implemented a comprehensive mental health support program through PCM, reducing absenteeism.
Healthcare System
13,000 associates managing 25+ hospitals saw increased employee engagement and decreased lifestyle-related health issues after implementation.
YOU DESERVE TO THRIVE
We help you unlock funding and preserve cash flow through strategic savings, tailored tax strategies, and streamlined access to capital—so you can scale with confidence.
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Copyright 2025 | Candor Financial Solutions LLC | All rights reserved.
We help you unlock funding and preserve cash flow through strategic savings, tailored tax strategies, and streamlined access to capital—so you can scale with confidence.
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