Free Tool · For Brokers
Workers' Comp Premium Reduction Calculator.
Enter your client's current annual Workers' Comp premium, W-2 employee count, and industry. The calculator returns a Year-1 reduction estimate, FICA savings, and a 3-year cumulative figure — then lets you generate a branded client one-pager PDF.
- ✓Half-rate conservative model — real reductions in trucking / construction / drayage often exceed the estimate
- ✓FICA savings layer included automatically (verified by CBIZ + HitesmanLaw)
- ✓One-pager PDF carries your firm name + David Newman's contact for the free analysis call
- ✓No login, no email gate — use it as much as you want
WC Premium Reduction Calculator
For brokers · estimate your client's savings · generate a one-pager
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Enter all three fields to see the estimate.
IRS Section 125 — Federal Law Since 1978
No New Insurance Required
No Changes to Current Benefits
ACA · ERISA · COBRA · HIPAA Compliant
Live in 30–60 Days
Workers' Comp premiums are calculated by carriers on reportable taxable payroll. Section 125 reduces taxable payroll by $1,200 per enrolled employee per month, so the WC base falls — and the premium falls with it. The estimate above multiplies that payroll reduction by the industry-average WC rate and a half-rate conservative factor. Real audit-cycle reductions often run higher.
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