SIMERPU RESEARCH · SOURCE RECAP
105 Wellness Plans vs SIMRP: What Employers Need To Watch For
SIMERPU recap and commentary: Mardy Gould
Opened — main text retrieved
Quick recap
Criticizes certain “105 wellness plans” while promoting ProfitGuard Plus SIMRP as a compliant medical-benefit and payroll-tax strategy.
SIMERPU’s viewpoint
The article contrasts one group of wellness designs with the vendor’s promoted SIMRP product. SIMERPU would apply the same questions to both sides of that comparison, including expenses, payment conditions and administration. A useful product distinction should be visible in the documents and operating process.
What this source contributes
The article identifies claimed differences between competing designs that can be tested using the same questions.
What remains unanswered
The promoted product needs the same scrutiny applied to the criticized category; the comparison alone does not verify its implementation.
Mardy Gould’s take
I would put both designs through the same review. Show the expense, payment entitlement, funding and responsibilities for each. A provider can make a persuasive case for its product by demonstrating those differences clearly. The employer should be able to see the distinction in the documents, not just in the product names.
Questions I would bring to the conversation
1. What precise feature distinguishes the promoted design?
2. Is the same standard applied to both arrangements?
3. Which documents demonstrate the claimed difference?
Mardy Gould · Co-Founder, SIMERPU →
What would change our assessment?
A balanced, document-based comparison could substantiate the distinction or show where it remains unsupported.
Read the original source
The original author and publisher are credited below. Continue to their article, document or source page for the complete context.
Original Author: Matthew Abbott
Publisher: Abbott Family Insurance
Original Publication Date: 2026-05-08
Read this alongside…
Each connection has a specific purpose. Compare the sources’ facts, positions and publication dates as you read.
26 CFR § 1.105-11 - Self-insured medical reimbursement plan
Cornell Legal Information Institute (reproduction)
Source position: Neutral / explanatory
Review the general self-insured-plan framework.
Read the SIMERPU recap →
26 CFR §1.105-2 — Amounts expended for medical care
eCFR / Office of the Federal Register
Source position: Neutral / explanatory
Apply the same reimbursement questions to both designs.
Read the SIMERPU recap →
20 Questions about Establishing a Health & Wellness Program in the Workplace
The CPA Journal
Source position: Supportive
Compare the product argument with a broader supportive WIMPER explanation.
Read the SIMERPU recap →
Keep learning with SIMERPU
Build your understanding with learning resources, the free Professional Roadmap and our approach to reviewing sources.
About this source
Original Updated Date: 2026-05-08 (page metadata)
Source Type: Vendor / adviser marketing or advocacy
Model Discussed: Self Insured Medical Reimbursement Plan (SIMRP)
Position: Promotional
Period: Recent — 2023–2026
Retrieved: October 31, 2026
Research and date notes
Year from datePublished metadata; visible byline shows May 8.
Each record identifies the material retrieved. SIMERPU’s viewpoint and Mardy Gould’s take are editorial commentary; the source-position label describes the original source’s stance. Read the original and its qualifications when evaluating a particular arrangement.
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