Safety Net Inc. — $500,000/Year, "Kept Our Doors Open"
COO/CFO Ronald Moore describes ACA Solutions as a lifeline to Safety Net Inc. — a $500,000/year savings line that, in his words, enabled the company to continue operations and secure its workforce during a critical period.
- · $500K/yr saved
- · CPA-approved
- · "Kept our doors open"
Describing ACA Solutions as a lifeline to our company hardly captures the magnitude of their impact. Their efforts enabled us to continue operations and secure our workforce.
The structure that produced this result
Safety Net Inc. operates across multiple industry classifications, which is why a single industry-key calculator pre-fill doesn't apply. At the reported $500,000/year savings level, the implied W-2 employee count is in the 600–800 range across the operation, with the savings split between FICA reduction and Workers' Comp adjustments at varying classification rates.
The COO/CFO framing — 'lifeline' rather than 'optimization' — tells you something about the timing. For operators going through compressed-margin periods, six-figure-plus annual savings without operational disruption can be the difference between a workforce reduction and a sustained-operations decision. The program doesn't change carriers, doesn't change benefits, doesn't change payroll providers — it changes payroll-tax structure.
Safety Net is the largest single-employer dollar number in our case-study set. For operators of similar scale (500+ W-2 employees) the math compounds: $681.60 × 600 = $408,960/year in net FICA savings alone, before any WC reduction. The 15-minute analysis call returns the precise figure for any specific operation.
See your number — pre-filled to Operations Company — Multi-Industry.
The calculator returns your exact net employer FICA savings + a Workers' Comp reduction estimate. Same math, your headcount. Verified by CBIZ + HitesmanLaw.
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Minimum 10 W-2 employees · $25K+ salary · ACA-compliant health coverage required
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Skepticism is the right response. We don't ask you to take our word for it — we bring institutional proof that convinced CPAs, CFOs, attorneys, and insurance brokers to enroll their own companies.
Darcy L. Hitesman, J.D.
35+ years as an Employee Benefits attorney specializing in IRC Section 125, ERISA, HIPAA, and the ACA. Her May 5, 2025 opinion letter concludes: “In this firm's opinion, the Program described satisfies applicable IRS requirements.”
She specifically reviewed the IRS Chief Counsel Advice memoranda on "double-dip" arrangements — the exact schemes the IRS has flagged — and concluded this program is built differently and compliantly.
CBIZ Advisors LLC
CBIZ independently reviewed the program against IRC §§ 125, 105, and 106, plus ERISA, ACA, and COBRA requirements. Their August 22, 2025 letter concludes: “If operated per its provisions, the Program appears to satisfy the requirements of ERISA, the ACA, and COBRA as well.”
This review was commissioned by Affinity Hospice's CEO before enrolling his nationwide organization — and the CFO (himself a CPA) shared the letter publicly in his testimonial.
Direct From the U.S. Government
Section 125 has been in the Internal Revenue Code since 1978. Congress wrote it there specifically to encourage employers to fund preventive healthcare for American workers. This is not a loophole — it is the precise, intended use of a 47-year-old federal law, grounded in IRS Revenue Ruling 69-154, the specific published ruling supporting the benefit payment structure.
→ Verify on IRS.gov — Section 125 Cafeteria Plans ↗Find Out Your Number.
Free. No Pitch. Just Math.
Verified: CBIZ Advisors LLC (Aug 2025) · HitesmanLaw P.A. (May 2025)
$500K legal protection per enrolled employer · IRS Section 125 · Federal law since 1978