the hidden benefits of The CHAMP Plan

💼 Let’s Talk About the Elephant in the HR Room

As an HR professional, you’re expected to balance a lot:

• Recruitment
• Retention
• Culture
• Compliance
• And oh yeah… designing affordable, competitive benefits packages that keep employees happy and costs under control.

But here’s the problem: Traditional benefits are expensive.
And no one handed you a magic wand or an unlimited budget.

That’s where the CHAMP Plan comes in—and why it should be in every HR playbook (but usually isn’t).

🔍 What Is the CHAMP Plan, Really?

The CHAMP Plan is a modern spin on the classic Section 125 Plan—also known as a cafeteria plan—but it’s designed specifically to enhance your benefit offerings without increasing your healthcare costs.

Instead of offering only major medical plans, you can give employees a way to pay for routine health expenses with pre-tax dollars, which:

• Reduces taxable income
• Lowers out-of-pocket costs
• And increases take-home pay

💡 For employers, it reduces payroll taxes—often enough to cover the entire cost of offering the plan. Yes, really.

🧩 The Hidden CHAMP Advantages Most HR Managers Overlook

Here’s what you probably haven’t heard (but need to know):

✅ 1. It Solves the Low Participation Problem

Ever rolled out a benefit that flopped because no one used it?

CHAMP isn’t a “maybe” benefit. It directly offsets everyday expenses like:

• Co-pays
• Prescriptions
• Dental/vision
• Mental health visits

Which means employees use it—and love it.

🧮 2. Payroll Tax Reductions Can Pay for the Program

HR leaders are often tasked with proving ROI. Here’s your proof:

Employers who adopt CHAMP typically save $500–$1,200+ per employee annually in reduced FICA taxes alone.

That savings can be:

• Reinvested in HR tools
• Used to fund DEI initiatives
• Applied toward retention bonuses

💬 3. It Enhances Your Communication Strategy

CHAMP isn’t just a benefit—it’s an opportunity to communicate value.

When you roll it out the right way (we help with that), you:

• Build trust
• Increase morale
• And boost perception of your HR leadership

👥 4. It’s a Retention Magnet

Employees are looking for more than pay—they want meaningful support.

The CHAMP Plan shows you’re invested in their total wellbeing. It’s not about throwing money at problems. It’s about smart, tax-efficient benefits that actually impact their lives.

📌 What This Means for HR Strategy

If you’re building a 2025 HR strategy, CHAMP needs to be part of it.

It checks all the boxes:

• ✅ Boosts retention
• ✅ Reduces costs
• ✅ Enhances culture
• ✅ Aligns with employee wellbeing initiatives
• ✅ Strengthens recruiting value propositions

And did we mention… it’s easy to implement?

🏁 Final Word: Smart HR Isn’t Just Strategic. It’s Proactive.

HR isn’t about reacting anymore. It’s about staying ahead of the curve. And CHAMP gives you a secret weapon most companies haven’t caught onto—yet.

Want to impress leadership at your next budget meeting?
Show them how The CHAMP Plan delivers more benefits for less cost—and makes HR the hero.