Door 2 / independent administrator
Payroll-tax structure worth a look.
For private employers with 20+ full-time W-2s. A specialist presents the review; your CPA is the gate.

The review
A tax-advantaged benefits review.
- Structured under §125. Your CPA is the gate.
- Presented by an independent administrator alongside existing major medical.
- The question is whether the structure could lower payroll-tax cost. They will run a payroll analysis; you decide with your CPA.
The boundary
What Bouldin I/O does not do.
We do not administer the plan, run payroll codes, or give tax, legal, or ERISA advice. Tax results go to your CPA, not to us.
Payroll Review — 15 minutes
Weekday mornings, starts hourly on the hour, first 8:00am, last 12:00pm, Mountain Time.
A 15-minute call on a §125 tax-advantaged benefits review, presented by an independent administrator that works alongside your existing major medical. Your CPA is the gate, and tax results go to them, not to us. We set the meeting. The specialist presents. We do not administer the plan, run payroll codes, or give tax, legal or ERISA advice.
Book Payroll Review — 15 minutes