Authorized WIMPER Institute Implementation Path
Your WIMPER Plan. Built for Hawaii Employers.
The WIMPER Plan Hawaii helps established Hawaii employers evaluate whether a compliant Section 125 and Section 105 integration can reduce employer FICA costs alongside the medical coverage they already provide. Brandon helps qualified employers review fit, ProForma assumptions, and implementation.
Why Hawaii Employers Consider a WIMPER Plan
- Project employer FICA savings from qualifying pre-tax contributions
- Works alongside existing health coverage and Hawaii's Prepaid Health Care Act requirements
- Can increase employee take-home pay through properly structured pre-tax elections
- Adds structured wellness and supplemental health benefits without replacing existing medical
- Employer-owned and employer-run, with professional review before implementation
How the WIMPER Program Works
IRC §125 Cafeteria Plan
Eligible employees may elect qualifying benefits on a pre-tax basis under the employer's adopted plan documents. The payroll-tax effect depends on each employee's wages, elections, and applicable limits.
IRC §105(b) Reimbursement Plan
An employer-funded self-insured medical reimbursement plan may reimburse qualifying medical expenses when properly designed, documented, and administered.
Employer-Owned, Employer-Run
This is the employer's plan. Brandon helps qualified employers evaluate fit and coordinate implementation, while the employer and its professional advisors review the final structure.
FICA Savings Planning Calculator
This is a planning estimate, not a guarantee. A ProForma uses employer-specific census, wage, participation, and payroll facts.
The Hawaii Employer Fit
You Already Provide Coverage
Hawaii employers often begin with existing medical coverage obligations. The WIMPER plan is evaluated alongside that coverage, not as a substitute for it.
Built for Established Employers
The strongest fit is normally an employer with 100 or more W-2 employees, group medical already in place, professional payroll administration, and an accountable executive sponsor.
Start With Real Numbers
The standard projection is $1,119.20 in annual employer FICA savings for most enrolled employees. Employee-level savings can be lower above the applicable FICA wage-base cap, and company totals require employer-specific review.
How We Help You Get Started
1. Employer Fit
Confirm workforce size, existing group medical, payroll administration, executive sponsorship, and whether the opportunity merits analysis.
2. ProForma Analysis
Model estimated participation and projected employer FICA savings using employer-specific census and payroll facts.
3. Professional Review
Review plan design, assumptions, payroll mechanics, eligibility, and administration with the employer's qualified tax, legal, payroll, and benefits professionals.
4. Tested Implementation
Configure the approved setup, test payroll before launch, communicate with eligible employees, and maintain the required records after go-live.
The WIMPER Plan Hawaii uses the national education and program framework of
WIMPER InstituteBrandon is the public-facing Program Advisor for qualified employer fit and implementation conversations. See the implementation path →
Ready to See Your Numbers?
Request a ProForma based on your company's actual payroll facts. No guaranteed result and no obligation to proceed.
Request Your ProForma