Payroll optimization solutions that center employee health
We support employers to implement Section 125 SIMERP programs that reduce overall tax burden while increasing employee well-being through preventative care.
What is a SIMeRP program?
A Self-Insured Medical Expense Reimbursement Plan (SIMERP) is an IRS-qualified workplace program that allows businesses to provide voluntary benefits to employees at no cost to employers and with no reduction in employees' take-home pay. Using tax-advantage provisions under IRS Section 125 Cafeteria Plan and codes 105, 106, and 213(d), it operates as a supplemental medical care membership that enhances existing employer-sponsored group health insurance, with employees making a monthly pre-tax salary reduction that lowers their taxable income while receiving tax-free reimbursements for the fair market value of actual medical care and wellness services.
For employers, the financial impact is straightforward: because employers must match employees' FICA taxes, when employees pay less FICA, employers pay less as well, resulting in a substantial net savings per employee per year.
At Arcturian, we’ve partnered with EHP — The Employers’ Choice to provide the most comprehensive SIMERP program currently available.
EHP delivers a fully managed, ACA-compliant wellness membership that saves employers an average of $1,000+ per employee annually in FICA taxes while requiring zero investment and no reduction in employee take-home pay. Unlike off-the-shelf benefit products, EHP engineers an end-to-end compliance process — backed by ERISA counsel, payroll specialists, and IRS-aligned documentation — so employers receive a program that is fully defensible, scalable, and legally sound, and employees receive preventative care and mental health resources that lower out-of-pocket costs, reduce absenteeism, and improve overall productivity.
With seamless integration alongside your existing health plan, minimal HR involvement, and immediate reimbursement for employees, EHP delivers a true win-win that strengthens your workforce while protecting your bottom line.
Our Services
Want to explore if a SIMERP plan can support you in reducing your tax liability while empowering employees to take charge of their health?
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Step 1:
Set up a 10-minute intro call with us to determine if your company is eligible to enroll in a Section 125 SIMERP program. Alternatively, you can send us an email with your inquiry.
Step 2:
If elligible, we’ll introduce you to our partners at EHP to provide a comprehensive payroll and benefits analysis so you can see exactly what a SIMRP will do for your bottom line.
Step 3:
We support you to enroll with EHP and get your membership up and running with minimal time cost to you. -
SIMERP programs are an ideal fit for companies, municipalities, and organizations that:
Have more than 10 full-time employees
Currently provide health insurance benefits to their employees
Desire to reduce their overall tax burden while providing additional benefits to employees
SIMERP programs work less well for :
Companies with fewer than 10 employees
Companies whose employees are mostly part-time, are contractors, or do not qualify for benefits
Organizations whose employees are exempt from FICA tax requirements
Who we are
Bryna Haynes
An entrepreneur since the age of 22, Bryna is the founder of Arcturian Consulting Group, a strategic connection and advisory firm, and the founder and former CEO of WorldChangers Media. She understands how aligned programs and services can not only help businesses save money, but how such incentives impact culture and employee satisfaction.
Entrepreneur
Tristan Poirier, MBA, CPA
With over 23 years of service at PPA, LLP, a respected Rhode Island accounting firm, Tristan is a trusted advisor to hundreds of small business owners and operators.
Senior Accountant & Tax Specialist 
Health Coach & Educator Adam KNight
As a teacher and health coach, Adam has helped many kids and adults on their personal health journey. Now, he’s looking to affect change at a higher level by helping companies and individuals seek out the best health outcomes.