SIMERPU RESEARCH LIBRARY

Follow the evidence.

Explore the documents behind SIMERP, WIMPER, PCMP and payroll-tax wellness claims. Read a brief SIMERPU recap, then follow the link to the original article or PDF. Research editor: Mardy Gould.

Library editor: Mardy Gould · Co-Founder, SIMERPU

137

Unique source records

123

Main texts retrieved

14

Limited or unavailable

Research snapshot: October 31, 2026. Four records have partial text or an abstract; ten are unavailable discovery records. Historical means through 2022; recent means 2023–2026. These search terms do not describe identical plan structures.

Continue browsing these results, or return to the first page to change your search and filters.

S109

SIMERP | Self-Insured Medical Expense Reimbursement Plan

WOTC Plus

Discovery record only. Substantive source text was unavailable at retrieval; no content review is claimed.

Undated / current reference

Source position: Undetermined

Search-only — retrieval attempted; inaccessible

View discovery record →

Original date: Not verified

S110

SIMERP FAQ — Answers, in Plain English

Jason Bratin Group

FAQ describes pre-tax deductions, medical reimbursements and telehealth benefits. Presents payroll illustrations and claims FICA, FUTA and workers’ compensation savings; claimed approval is the vendor’s assertion.

Undated / current reference

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: Not stated

S111

What Is SIMERP?

SIMERP LLC

Vendor definition links the SIMERP label to SIMRP terminology and argues that documented care, actuarial valuation and plan documents support tax exclusions.

Undated / current reference

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: Not stated

S113

Tax Benefits of Employer-Sponsored Wellness Programs

HubEngage

Vendor overview discusses business deductions, pre-tax wellness benefits and payroll-tax savings. Offers examples and compliance claims while promoting employee-engagement tools.

Recent — 2023–2026

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: 2026-03-31

S114

How Colorado Employers Reduce Payroll Taxes via Wellness Programs

Pure Risk Advisors

Explains claimed employer payroll savings through qualified pre-tax wellness elections, with numerical examples and plan-document and nondiscrimination considerations.

Recent — 2023–2026

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: 2026-02-05

S115

The EHP Plan: When Tax Mitigation Meets Employee Wellness

LinkedIn

Discovery record only. Substantive source text was unavailable at retrieval; no content review is claimed.

Undated / current reference

Source position: Undetermined

Search-only — retrieval attempted; inaccessible

View discovery record →

Original date: Not verified

S116

PCMP Advantage

PCMP Advantage

Markets payroll restructuring with claimed $665 annual employer savings per employee. Describes tax-free reimbursements restoring net pay and a wellness-benefit package.

Undated / current reference

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: Not stated

S117

5 Steps to Start a Preventative Care Management Program

Pure Risk Advisors

Operational care-management article includes a claimed $620 annual FICA saving per eligible employee and discusses reimbursement and billing. Retained for its explicit financial linkage.

Recent — 2023–2026

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: 2026-04-16

S118

Preventative Care Management Program — The TE Group

The Tax-Efficient Group

Markets wellness and supplemental benefits, claimed $650 net payroll-tax savings and unchanged employee net cost. Describes a §125/SIMERP structure and asserts §213(d) compliance.

Undated / current reference

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: Not stated

S119

Program Benefits — PCMP

PCMP Program

Short product overview claims employer payroll savings of $600–$700 annually per employee and tax-free reimbursements through an integrated PCMP.

Undated / current reference

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: Not stated

S120

Preventative Care Management Program

Open Advisor

Lead-generation page explains the two-plan structure, qualification criteria and claimed $650 annual employer savings, then offers to match employers with providers.

Undated / current reference

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: Not stated

S121

Wellness Program Tax Benefits: What Employers Can Deduct

Vantage Fit

Vendor overview discusses deductions, fringe benefits, medical-care qualifications and payroll-tax savings. Provides adjacent tax context rather than a specific SIMERP design.

Undated / current reference

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: Not stated

S122

MAHA-Backed Startup Launches to Help Americans Reclaim $140 Billion in Tax-Free Health & Wellness Reimbursements

The Wellness Group

Launch announcement markets telehealth letters of medical necessity and wellness-product reimbursement from HSAs and FSAs. Adjacent reimbursement model; not a payroll-return SIMERP.

Recent — 2023–2026

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: 2025-09-01

S124

What Is SIMERP? The Complete Guide

SIMERP Qualify

Vendor guide explains pre-tax elections, medical benefits and claimed payroll savings. Treats SIMRP and WIMPER as equivalent labels; that equivalence is the author’s position.

Undated / current reference

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: Not stated

S125

SIMRP — Estimated Savings Calculator and FAQs

SJ, Edwards, Inc.

Markets SIMRP with an actuarially valued deduction and reimbursements for eligible services. Claims employer payroll and workers’ compensation savings without lower take-home pay.

Undated / current reference

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: Not stated

S126

What Is the SIMRP Plan — And Why Should Your School District Care?

XO Financial

School-district pitch describes pre-tax wellness contributions followed by reimbursement. Claims larger employee net pay, district tax savings and a scholarship contribution funded per participant.

Recent — 2023–2026

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: 2026-06-22

S127

SIMRP Plans: Better Benefits. Lower Payroll Taxes.

SIMRP Health & Wellness

Markets supplemental wellness benefits, potential payroll savings and scholarship opportunities. Includes a disclaimer that the vendor is not affiliated with the IRS or government.

Undated / current reference

Source position: Promotional

Opened — main text retrieved

Read the SIMERPU recap →

Original date: Not stated

S131

What Is a Double Dip? — Complete Definition and IRS History

IRSDoubleDip.com (private website; not IRS)

Defines double dipping narrowly around a single pre-tax-funded policy. Defends two-policy arrangements with separate after-tax wellness funding and argues that those differ from IRS examples.

Undated / current reference

Source position: Supportive

Opened — main text retrieved

Read the SIMERPU recap →

Original date: Not stated

S132

Tax Avoidance Schemes: A Cautious Approach for Health Plan Sponsors

AHERN Insurance Brokerage — Benefits Brief

Four-page brief critiques tax-saving wellness programs and advises employers to examine vendor materials, disclaimers and legal analysis. Discusses earlier IRS double-dip guidance.

Recent — 2023–2026

Source position: Critical

Opened — main text retrieved

Read the SIMERPU recap →

Original date: 2023-02

S134

Employee Benefits Double Dips: What Tax Pros Should Watch

Insightful Accountant

Reports renewed IRS concerns and explains the premium-reimbursement pattern. Urges tax practitioners to examine economic substance and avoid assuming that promised payroll savings establish compliance.

Recent — 2023–2026

Source position: Critical

Opened — main text retrieved

Read the SIMERPU recap →

Original date: 2026-06-02

Page 6 of 7 · Search and filters are preserved between pages. Return to page 1 when starting a new search.

How this library was assembled

The inventory used 49 search queries with no publication-date cutoff. Researchers opened or attempted 149 URLs and consolidated 12 alternate versions into 137 distinct source records. Sources span government agencies, law and accounting firms, benefits consultants, trade media, vendors and academic publications.

This is a documented discovery inventory, not an exhaustive statement of law or an endorsement list. Search engines, indexing gaps, inaccessible LinkedIn pages, paywalls, missing dates and partial PDF retrieval limit coverage. Access labels describe the material obtained on the retrieval date.