Upside Workforce helps employers evaluate potential payroll-tax savings while giving employees personalized physical and mental well-being support, without replacing the benefits they already have.
See Your Payroll Upside
Keep money where it belongs: in your business and behind your people.
For W-2 employers · Move the slider to model your workforce in seconds.
Employer illustration
Adjust your workforce and participation assumptions to see an illustrative employer opportunity.
70% is the average employee participation.
Illustrative annual employer opportunity
$94,719$7,893 illustrative monthly employer opportunity · gross payroll-tax effectWant the full employer breakdown?
Get your five-year illustration, assumptions, workforce model, employee-value summary and next-step review in one simple report.
No obligation. No phone number required.
Imagine putting some of that value back into your business while giving employees something meaningful in return.
Illustration only—not a quote, promise, or tax opinion. It uses the current example of a $16,080 annual pre-tax election × 7.65% employer FICA. Actual eligibility, elections, enrollment, payroll, plan design, fees, tax treatment, and results vary.
Real-world 360 Advantage results
Upside Workforce is powered by 360 Advantage. These published examples show how the underlying platform has performed with actual employers.
Reported historical result
A published 360 Advantage client case study reports that a roughly 2,000-life trucking employer achieved 71% enrollment and generated approximately $884,000 in annual employer savings during its initial program results.
360 Advantage · Trucking Industry Client Case Study
Reported historical result
According to a published 360 Advantage case study, a municipality with approximately 250 employees realized $94,032 in employer payroll-tax savings during year one. The case study reports additional employee tax savings that brought the combined first-year tax impact to $446,532.
360 Advantage · Published Municipality Case Study
360 Advantage reported outcome
A published 360 Advantage technology-company example reported a 23% drop in unplanned absences following implementation, connecting employee support to a measurable workforce outcome.
Fewer people out. More consistency. A stronger workforce.
Reported historical result
360 Advantage · Technology Company Example
Case-study information is based on published 360 Advantage materials. These are not Upside Workforce clients. Individual employer results vary based on eligibility, elections, participation, payroll, plan design, fees, tax treatment and other factors. Past results are not guarantees of future outcomes.
Upside is designed to supplement rather than automatically replace the benefits an employer already offers.
Actual eligibility, payroll treatment and economics are reviewed using the employer’s real workforce information.
$3 million per incident E&O backing, contractual indemnification and a documented plan structure.
Here's exactly how it works.
The people upside
The employee experience
Awareness
A private, simple experience gives employees a moment to pause, pay attention to their health, and see what may deserve a closer look.
Insight
Personal health signals are translated into informational insights that help employees better understand what may deserve their attention.
Action
Personalized prompts, relevant resources, and 360 support help employees know where to go from there.
Awareness → Insight → Action
The personal health activation platform that turns awareness into action.
From “I should probably pay attention to my health” to “Now I know where to start.”
When your people feel supported, they’re better positioned to show up for the work, the customers, and the people who count on them.
Informational insights only. Not a diagnosis, treatment decision, or substitute for medical care.
THE PAYROLL OPPORTUNITY
You already run payroll. Let’s see if it can work harder for your business.
Upside examines your existing workforce and payroll structure to identify whether eligible pre-tax participation could create meaningful employer savings. At the same time, employees gain access to personalized health and well-being support.
You’re not adding another problem to solve. You’re looking for more value inside something you’re already doing.
Potential results depend on eligibility, elections, payroll, plan design, fees, tax treatment, and other factors.
The two sides of Upside
You don’t need to be a benefits or tax expert. Upside Workforce, powered by 360 Advantage, connects potential payroll-tax savings with ongoing employee well-being support, then guides you through the details.
Protection built into the program
Upside Workforce isn’t built on a handshake and a promise. The program includes documented plan structure, contractual protections, and insurance backing through 360 Advantage.
Powered by 360 Advantage
Insurance backing
360 Advantage’s corporate Errors & Omissions policy backs its contractual indemnification commitment to your organization.
Contractual indemnification
Your service agreement includes indemnification provisions that define 360 Advantage’s contractual protection for your organization.
Section 125 and Section 105 plan documentation
Written Section 125 cafeteria and Section 105 reimbursement plan documents support the program’s compliance framework.
Because asking an organization to consider something new means being prepared to stand behind it.
Protection summary based on 360 Advantage’s “How We Protect Employers.” Coverage and indemnification are subject to the applicable policy and signed agreement, including limits, exclusions and conditions. These protections do not guarantee an audit outcome or an IRS determination.
Good. We encourage it.
Your CPA, CFO, HR leader, payroll provider, broker, or advisor is welcome to review the structure with you. This is not tax or legal advice — it’s an employer-specific review you can evaluate with the people you already trust.
How it works
A proven part of the tax code, structured for your workforce.
Section 125 allows eligible employees to make certain benefit elections through payroll on a pre-tax basis. When structured appropriately, that can also reduce the employer’s payroll-tax expense. Upside Workforce is designed to bolt onto the benefits you already have. The two plan functions stay separate and clearly documented.
“You don’t need to become a Section 125 expert. That’s what the implementation team is for.”
Governs eligibility, employee elections and salary reductions, and payroll treatment, subject to adoption and applicable law.
A separate Self-Insured Medical Expense Benefit Plan governs eligible unreimbursed medical expenses, substantiation, claims, appeals, and participant rights under its terms.
The next step is simple.
Taking the meeting doesn’t commit you to the program. You’re simply looking at the opportunity. If you move forward, onboarding is designed to be finished within the first 30 days, with hands-on guidance from 360 Advantage at every stage.
Let us know you’re ready to explore the program.
Our implementation team coordinates with HR, payroll and the appropriate contacts on your team.
We gather the needed information, coordinate required approvals and guide setup and launch.
Prefer to review it with your team first? The full program brochure is one click away.
Straight answers
It is the part of the benefit structure that allows eligible employees to make certain benefit elections through payroll on a pre-tax basis. Most business owners are not Section 125 experts, and they do not need to become one. Upside Workforce is designed to bolt onto existing benefits, while 360 Advantage guides the documents, payroll coordination, employee education, testing, and launch. A separate employer-sponsored plan governs eligible medical-expense claims and participant rights.
No. The illustration shows a possible gross employer payroll-tax effect using the current program example. Actual results depend on plan adoption, employee eligibility and elections, wages, payroll configuration, tax treatment, administration, and applicable law.
We do not describe it that way. Upside Workforce is powered by 360 Advantage. Employees may make pre-tax elections when permitted under the adopted plan, and the employer-specific economics must be reviewed in context. The review is designed to make the full structure clear before any decision is made.
No replacement claim is being made. Upside Workforce, powered by 360 Advantage, connects a Personal Health Activation Platform to an employer-sponsored benefit structure. Your existing benefits and the program's coordination should be reviewed with the appropriate benefits, payroll, tax, and legal stakeholders.
No. Elections, payroll deductions, participation, platform activity, scans, or engagement do not guarantee reimbursement. Eligible unreimbursed medical-expense claims are governed by the applicable plan terms, substantiation requirements, and claims process.
It provides informational health and risk-awareness insights, guided next steps, and personalized digital care support through condition-specific content, check-ins, text, email, and the 360 Dashboard. It is not a diagnosis or treatment service.
The goal is to make the lift manageable for the employer. Onboarding is designed to be finished within the first 30 days, covering design, documentation, payroll coordination, communications, testing, and launch. Your team provides the right decision-makers, data, and approvals; 360 Advantage guides the implementation and keeps the work organized.
Yes—and the right stakeholders should be involved. A serious review typically includes the executive sponsor plus HR or benefits, payroll, finance, and legal or broker support as applicable.
No. Headcount, eligibility, elections, and actual enrollment are different numbers. That is why the calculator asks you to choose a hypothetical participation scenario instead of treating every employee as enrolled.
Give us your approximate workforce size and we’ll help you evaluate the potential employer opportunity, understand what employees receive, and determine whether Upside deserves a closer look.
Bring your numbers
We’ll show you what the opportunity could look like for your business.
What happens on the call
No sensitive health or employee information. Questions before booking? Reply directly to the email that brought you here.
