ALLUTIONAL

SIMERP

credit card processing

Choice Benefits 365

"YOUR CHOICE"

Arthur T is a dynamic professional who embraces life with energy, humor, and a passion for connecting with people from all walks of life. With over twenty years of experience as a Legal NCO in the Army, during which time he obtained several degrees in Information Technology, Arthur T has gone on to excel in various IT positions and consulting roles with multiple corporations over the next twenty years.

His career also boasts a strong foundation in sales and marketing, complemented by effective communication skills, spanning from public speaking engagements to interactions with mom-and-pop stores and Fortune 500 corporations. Arthur T’s background has instilled in him an unwavering conviction in the benefits offered by Allutional LLC.

A Platinum Agent for Allutional LLC, delivering the most Comprenensive Benefits Pakage on the market.

Comprehensive Benefits Package

  • 24/7/365 Telehealth: unlimited visits, $0 visit copay and no surprise fees, includes mental health support
  • Vision, dental, & prescription discounts
  • Legal services
  • Fraud resolution
  • Accidental Death & Dismemberment
  • And more!!

All for only $39.95/month.

SIMERP

How It Works

Simple. Compliant. Powerful.

Six steps to dramatically lower your health benefit costs while improving what your employees receive.

Establish the Plan

We set up an IRS-compliant SIMERP plan tailored to your company's size, workforce, and benefit goals.

Employees Submit Expenses

W-2 employees submit qualified medical expenses through our simple platform — doctor visits, prescriptions, dental, vision and more.

Employer Reimburses Tax-Free

You reimburse employees up to defined monthly limits. The reimbursement is 100% tax-free to the employee.

FICA Savings Kick In

Every dollar you reimburse reduces your FICA/payroll tax liability by 7.65% — automatic savings every payroll cycle.

Reduce or Replace Premiums

Eliminate or dramatically reduce costly group health insurance premiums. Most employers save $60,000–$150,000+ annually.

Everyone Wins, Every Month

Employees take home more. You spend less. Recruiting improves. Retention improves. It compounds year after year.

SIMERP — Employer Health Benefit Savings
IRS-Compliant  •  W-2 Employers  •  51–500 Employees

Stop Overpaying for
Employee Health Benefits

SIMERP lets W-2 employers reimburse employees for medical expenses tax-free — cutting costs by 30–40% while giving employees more take-home pay every month.

40%+
Avg Cost Reduction
$1,200
Tax Savings / Employee
100%
W-2 Workforce Eligible
$0
Infrastructure Cost
Two Winners. Every Month.
SIMERP creates simultaneous savings for employers and employees — a rare benefit solution where everyone comes out ahead.

What Employers Save

7.65% FICA reduction on every dollar reimbursed — automatic, every payroll cycle

Eliminate or significantly reduce costly group health insurance premiums

Lower workers' compensation base costs in most states

Simple IRS-compliant administration — no complex benefits management

Improved recruiting and retention reduces costly employee turnover

What Employees Gain

Monthly reimbursements are 100% tax-free — more real take-home income

No payroll deductions for group premiums — keep more of every paycheck

Flexible coverage — use for any qualified medical, dental or vision expense

Transparent and easy — no complex insurance paperwork or claim denials

Real financial value employees can see and feel every single month

Real World Example — 100 W-2 Employees
100
W-2 Employees
$400
Monthly Reimbursement / Employee
$600
Current Group Premium / Employee
Annual reimbursements paid to employees$480,000
FICA savings (7.65% x $480,000)$36,720
Group premiums eliminated ($600 x 100 x 12)$720,000
Net cost of SIMERP reimbursements-$480,000
Net annual savings to employer$276,720
Built for W-2 Employers
Any company with 51 to 500 W-2 employees currently paying for health benefits is a strong candidate for significant savings.

Manufacturing & Warehousing

Large hourly workforces with fixed premium costs are ideal for SIMERP savings.

Saves $150K–$400K/yr

Construction & Trades

Seasonal fluctuations make group insurance wasteful. SIMERP scales with your workforce.

Saves $80K–$250K/yr

Healthcare Clinics

Competitive market for staff. Flexible tax-free benefits boost recruiting and retention.

Saves $60K–$180K/yr

Hospitality & Restaurants

High turnover industries benefit most from portable, valued employee benefits.

Saves $100K–$300K/yr

Transportation & Logistics

CDL driver shortages make benefits a key differentiator for recruiting top talent.

Saves $90K–$275K/yr

Auto Dealerships

Mixed salary and hourly workforce benefits from flexible reimbursement structure.

Saves $50K–$150K/yr

Professional Services

Law firms, accounting and engineering firms maximize FICA savings on high salaries.

Saves $60K–$200K/yr

Retail & Franchises

Multi-location franchise owners scale SIMERP across all locations simultaneously.

Saves $100K–$350K/yr
100% IRS-Compliant. Fully Protected.
SIMERP is built on decades of established federal tax law — not a loophole. Your plan is fully compliant from day one.

IRC Section 105 & 106

SIMERP operates under the same Internal Revenue Code sections that have governed employer medical reimbursement plans since 1954. Fully established, fully legal.

ERISA Compliant

All plans are structured to meet Employee Retirement Income Security Act requirements — protecting both employers and employees with proper plan documentation.

ACA Compatible

SIMERP is designed to work alongside the Affordable Care Act. We ensure your plan structure meets all current federal health benefit regulations.

No Audit Risk

Every reimbursement is documented, qualified, and processed according to IRS guidelines. Our platform maintains complete records for your protection.

Professional Administration

Our team handles all plan documentation, employee communications, and regulatory filings — keeping you compliant without added administrative burden.

Annual Plan Review

We review and update your plan annually to ensure it reflects any changes in IRS guidance, tax law, or your company's workforce and benefit needs.

Get Started Today
Get Your Free Savings Analysis

Fill out the form and we will deliver a personalized savings report for your company within one business day — no commitment required.

What Happens After You Submit

Our team reviews your information and builds a customized SIMERP savings report showing your exact FICA savings, premium reduction opportunity, and net annual benefit — specific to your company size and current costs.

Phone833-278-4878
Response TimeWithin 1 business day
Free
Savings Report
15 Min
Discovery Call
$0
Setup Cost

credit card processing

White-Label Credit Card Processing | Exclusive Bank Partnership
Exclusive Bank Partnership Program
Invitation Only — Bank Executive Briefing

Your Bank Deserves a Residual Revenue Stream That Works as Hard as You Do

A confidential overview of our white-label credit card processing program — built exclusively for community banks and regional financial institutions.

Your Bank Earns 20% to 35% Residual on Every Transaction Your Merchants Process — Month After Month

Dear CEO,

You already hold the trust of your business community. Your merchants bank with you. They depend on you for loans, lines of credit, and treasury services. Yet every time one of your business clients processes a credit card payment, that revenue flows to a third-party processor — not your bank.

We believe that should change. Our white-label credit card processing platform lets your bank offer full-service merchant payment solutions under your own brand, while we handle the technology, compliance, underwriting, and support behind the scenes.

20–35%
Residual paid to your bank on every transaction
0$
Upfront cost or infrastructure investment required
90+
Days to first residual payment after launch

What Your Bank Gains

This program is designed to create a meaningful, predictable non-interest income line without adding operational burden to your team.

  • Your brand, your relationships. Merchants see your bank's name on every statement, every terminal, and every portal — deepening loyalty and product stickiness.
  • 20% to 35% monthly residual. Paid directly to your bank based on your merchants' total processing volume. No caps, no clawbacks.
  • Full-service support we provide. Our team handles merchant onboarding, 24/7 technical support, chargeback management, and PCI compliance — at no cost to your bank.
  • Competitive rates for your merchants. We price to win, giving your business clients a compelling reason to consolidate more services with your bank.
  • Transparent, real-time reporting. A dedicated partner portal gives your team full visibility into merchant volumes, residuals earned, and account health.
  • Compliance and risk fully managed. We are fully licensed and carry the regulatory burden so your bank's charter is never exposed.
"The conversation with your current merchants is simple: we already handle your deposits, your lending, your treasury — let us handle your payments too. That is a relationship no outside processor can compete with." — Partnership Program Overview
Bank Partnership Division This communication is intended for bank executives and decision-makers only. All discussions are held under mutual confidentiality.  |  Licensed payment facilitator  |  PCI-DSS Level 1 Certified

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