Operating Expense Strategy

Control Operating Costs.
Lower Payroll Taxes.
Strengthen the Business You Built.

This is not another employee benefits package. It's an operating expense strategy that lowers your payroll tax bill, increases take-home pay for your team, and grows the value of your business, at no cost to implement.

See My Impact See your impact in 60 seconds.
1,800+Businesses Assessed
$24M+Est. Savings Surfaced
10+ yrsProven Results
Your Potential Annual Impact

25 employees · Manufacturing / Industrial

Payroll Tax Savings $0
Increase in Take-Home Pay $0
Estimated EBITDA Improvement $0
Increase in Business Value $0

Results update instantly as you adjust your business profile below.

The Calculator

See Your Potential Impact

Move the sliders to match your business and watch your results update in real time.

25
? Choosing an industry sets a typical starting EBITDA and exit multiple for your business. You can still adjust every slider yourself.
$50,000
? EBITDA is your earnings before interest, taxes, depreciation, and amortization, a common measure of business profitability.
$750,000
? The multiple of EBITDA buyers typically pay for a business like yours. This defaults based on your industry, but you can adjust it anytime.
5.0x

Your information stays private and is never shared.

Your Personalized Impact Summary
Payroll Tax Savings
$0

Estimated annual employer payroll tax reduction.

Increase in Take-Home Pay
$0

Combined annual increase across participating employees.

Estimated EBITDA Improvement
$0

Estimated increase to annual operating earnings.

Increase in Business Value
$0

Illustrative valuation impact using the selected exit multiple.

These estimates are designed to help visualize how changes in payroll taxes and employee benefits can affect overall business performance.

The Bigger Picture

More Than Savings. A Smarter Business Strategy.

Lower Payroll Taxes

Reduce employer payroll taxes legally and compliantly.

Increase Take-Home Pay

Put more money in your employees' pockets without raising wages.

Reduce Claims

Lower major medical claims and overall health plan costs.

Improve Retention

Happy employees stay and perform.

Increase Business Value

Stronger EBITDA and higher multiples drive greater value.

Works Alongside Your Existing Benefits

Complements your existing health insurance and benefits.

Who We Help

Built for Business Owners Who Write the Checks

These are real, unfiltered outcomes, not projections. Here's what changed for a few of the businesses we've worked with.

Why It Matters

The Cost of Standing Still

Every year, most business owners accept rising benefit costs as the price of doing business. Premiums climb, payroll taxes creep higher, and employees keep expecting more, yet few ever stop to ask whether it has to work that way.

What's At Stake?

Employee Retention

Better benefits are one of the strongest levers you have against turnover, and turnover is expensive.

Payroll Tax Reduction

Restructuring how benefits are funded can legally and compliantly reduce your employer payroll tax burden.

Lower Healthcare Claims

Preventive-first plan design tends to reduce major medical claims over time, which keeps future premiums in check.

Increased Take-Home Pay

Employees see more in every paycheck, without your business increasing its wage costs.

Stronger EBITDA

Tax and claims savings flow directly to your bottom line, improving the profitability metric buyers care about most.

Higher Valuation Multiples

A stronger, more efficient EBITDA can support a stronger exit multiple when you're ready to sell.

Getting Started

Simpler Than Most Owners Expect

Implementation typically takes just a few short meetings and some basic payroll and benefits information. We handle the heavy lifting so your team can stay focused on running the business.

Get Your Custom Impact Report

See exactly what this means for your business.

Get a personalized breakdown of your exact numbers, in minutes. Here's what's included:

  • Personalized savings estimate
  • How it works & what to expect
  • No cost to implement
  • No obligation. 100% confidential.

We respect your privacy. Your information is never shared.

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Thanks. A member of our team will reach out shortly with your custom impact report.

Questions before you submit? Call or email us directly.

Who You're Working With

A Real Benefits Strategy, Guided by Real People

Navigators Benefits helps business owners evaluate an employer-sponsored benefits strategy designed to reduce payroll costs, improve cash flow, and provide employees with practical healthcare resources. Each inquiry is handled personally by Kurtis Rattay, who helps employers understand how the structure works, review its potential financial and employee impact, and determine whether it may be a fit for their organization before making any decisions.

Kurtis's role is educational and consultative. He does not provide insurance, legal, tax, or accounting advice and does not act as a group health broker or plan administrator.

Connect with Kurtis on LinkedIn
Built Around Proven Plan StructuresEstablished tax and benefit rules, not a workaround.
Independent & UnbiasedWe work for you, not insurance companies.
Education FirstYou understand everything before you decide.
100% ConfidentialYour data stays safe with us.