Payroll Tax Savings for Warehousing & Logistics Employers
Keep Your Crews Moving — and Save on Payroll Taxes Without Changing a Thing
If you run a warehouse, fulfillment center, or logistics operation, you already know the math: you make money on volume, uptime, and labor efficiency.
But turnover, rising wages, and payroll taxes are chipping away at your margins — and it’s not like clients are paying more for pallets moved or packages shipped.
The good news? You can reduce your payroll tax burden and give your W2 employees a legitimate benefit — without spending anything extra or touching your current health coverage.
It’s called a Preventive Care Management Plan (PCMP) — and when implemented properly, it’s 100% IRS- and ACA-compliant.
What’s a PCMP?
A PCMP is a pre-tax wellness benefit that gives your W2 employees access to:
24/7 telehealth and mental health support
Preventive care tools, risk screenings, and coaching
Behavioral and substance-use education
Stress, sleep, and injury-prevention guidance
It’s not insurance, and it doesn’t replace insurance. But it does allow you to shift a portion of payroll into a benefit structure that generates FICA tax savings — around $600–$800 per employee, per year.
Example Savings
Let’s say you operate a regional warehouse with 80 employees on W2. You enroll 75% of your workforce in the PCMP.
60 employees × $600 = $36,000/year in recovered FICA
120 employees = $72,000/year
250 employees = $150,000/year
That’s money back into your operation without changing a single job role, pay rate, or line of coverage.
Why This Fits the Warehousing & Logistics World
1. You Have High W2 Headcount
Whether your roles are pick-pack, forklift, dispatch, or dock support — your FICA bill scales with labor. The PCMP puts a dent in it without disrupting operations.
2. Turnover Hurts — Even for Entry-Level Roles
It costs time and money to retrain someone who walks out after 3 months. Offering a benefit — even a small one — gives you a leg up when hiring and reduces that constant churn.
3. Many Employees Don’t Have or Use Traditional Insurance
Your team may not engage with full health plans, but they do value convenient access to things like telehealth, stress coaching, and EAP-style services — especially when it’s private, easy, and free to them.
4. It’s Fully Administered
There’s no claims paperwork, no HR burden, and no workflow disruption. The plan runs quietly in the background, integrated with your payroll system.
Is It Compliant?
Yes — when implemented properly through a qualified vendor. The PCMP model is based on long-standing IRS and ACA guidance. Ficava only partners with vendors who provide:
Legally compliant plan documents
Proof of benefit delivery to employees
Full administration and employee communication
Audit-ready reporting
This isn’t a gray area or workaround. It’s a tax-aligned benefit structure built to reduce your liabilities and support your workforce.
Common Questions from Ops Leaders
Q: Does this change how we pay employees?
A: No. Payroll stays the same — employees are reimbursed automatically in each check. Your tax liability goes down, but they don’t lose a cent.
Q: What if we use a staffing agency for some roles?
A: That’s fine — the PCMP applies only to your direct W2 employees. We can work with you to identify eligible roles and estimate savings accurately.
Q: We already offer health insurance. Is that a problem?
A: Not at all. The PCMP is supplemental — it stacks on top of any existing plans and doesn’t trigger ACA reporting obligations.
Snapshot
What you get:
~$600+/employee/year in FICA savings
Better retention & morale
Administered for you
What it costs:
$0 net cost
No disruption to payroll
No insurance requirement
Let’s See If It Fits Your Operation
If you run a warehouse or logistics company with 15+ W2 employees — this benefit could save your company tens of thousands per year in payroll taxes while delivering something of real value to your staff.