Above the Rim Payroll & Payments selected Abbott Family Insurance to bring ProfitGuard Plus to eligible businesses and Churches with W2 employees. Learn how this partnership combines innovative payroll technology, benefits administration, and payroll tax optimization to help employers improve employee benefits, simplify administration, and create more value from the same payroll process.

Most 105 wellness plans are sold as easy tax savings with almost no change to your benefits. The problem is that many of these designs were built as tax gimmicks first and real medical plans second, which is why more employers and Churches are now worried about compliance and risk. In this post, I explain how ProfitGuard Plus uses a properly structured SIMRP alongside your group medical plan and Section 125 to reduce payroll taxes, strengthen W2 benefits, and keep administration simple and automated for your team.

Discover the Top 5 Employer Benefits Agencies of 2025 serving Florida, Texas, California, Virginia, North Carolina, and South Carolina. From industry giants like Mercer and Lockton to regional leaders such as Towne Benefits, this guide explores who’s shaping the future of employee benefits — and how Abbott Family Insurance is redefining the industry with innovative technology, transparent pricing, and tax-advantaged programs like SIMRP.