Services

Every service has one job: make your company worth more.

Start with the fastest win, then build. Each service adds recurring margin or de-risks the business — and both show up in your valuation.

Start here

Section 125 Cafeteria Plans

The entry point. Employees pay for benefits pre-tax and take home more; you stop paying FICA on those dollars. WORTH administers everything.

The first value move

Everyone gets a raise. Nobody's payroll goes up.

Plan documents, nondiscrimination testing, enrollment, and ongoing compliance — handled. Your payroll provider changes the deductions. Your team sees it in their next paycheck.

  • Live in 90 days, start to finish
  • Fully IRS-compliant — documents, testing, filings
  • Works with Gusto, ADP, Rippling, Paychex & more
  • No change to your benefit carriers
Set Up Your 125 Plan
Typical 50-person company
New annual margin (FICA)$10,600
Employees' added take-home$99,000
Enterprise value created at 4.2×≈ $445K
Estimated at 70% participation and $4,200 average annual pre-tax election. Your number is computed from your actual census.
Then optimize

Benefits & insurance that compete for your business.

Coverage that renews without a benchmark quietly repricing upward is margin walking out the door. We benchmark everything, and licensed broker partners re-shop it.

Workers Compensation

Rate benchmarking, class-code review, and claims support. Most companies that finally shop their comp find meaningful room.

Typical savings: 15–25%

General Liability

Coverage assessment, multi-policy structuring, and risk-reduction consulting — right protection, sharper price.

Typical savings: 10–20%

Medical, Dental & Vision

Plan benchmarking against peers, annual renewal optimization, and employee communication support for your largest benefit line.

Typical savings: 5–15%

Group Life

Group policy design with competitive underwriting and portability options — affordable coverage that helps retain talent.

Typical savings: 20–40%

Retirement Plans

401(k), SIMPLE, or SEP — plan selection, provider benchmarking, annual compliance, and employee education.

Managed within your benefits suite

Wellness Programs

Program design, biometric screening, and engagement tracking that reduce claims over time — ROI that compounds.

Managed within your benefits suite
How placement works: WORTH coordinates and benchmarks. Licensed insurance broker partners quote, place, and service every policy — you get institutional leverage with a single point of contact, and placement stays fully compliant.
Then compound

Valuation & exit readiness.

Your company is likely your largest asset. This is where it gets a number, a benchmark, and a plan.

  • Quarterly valuation updates

    Built on your real financials and industry EBITDA multiples — a number you can defend.

  • Peer benchmarking

    Growth, margins, retention, and revenue per employee against companies your size, in your industry.

  • Exit & succession planning

    Strategic vs. financial buyer scenarios, timing, and the levers that change your multiple.

  • Advisor network

    Introductions to vetted M&A advisors, CPAs, and counsel when you're ready for them.

Your command center shows
Current valuation

Updated quarterly, with the multiple and inputs visible — never a black box.

Value drivers, priced

What each move adds in margin and what that's worth at your multiple.

Progress to your goal

A target valuation and the pace you're on to reach it.

What needs action

The prioritized list — tax, coverage, retention — ranked by value created.

Start with the fastest win.

Two minutes to sign up. Your Section 125 estimate before you connect a thing.

Get started