BCB ADVANTAGEHEALTHCARE NAVIGATION & PROTECTION
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Payroll Simulator

See BCB Advantage in Action.

Enter an employee's profile below to see the exact impact on their paycheck and benefit coverage.

Employee Profile

Tell us about the employee

$
$
Program constants
Pre-tax election$950/mo
Health expense coverage$810/mo

Standard illustration. Actual election varies by coverages elected and group size.

Monthly Paycheck

Side-by-side comparison

Without BCB
Gross salary$4,000.00
Federal tax-$298.33
GA state tax-$137.23
FICA-$306.00
Net check$3,258.44
With BCB Advantage
Gross salary$4,000.00
BCB §125 election-$950.00
Federal tax-$184.33
GA state tax-$89.82
FICA-$233.33
Health expense coverage$810.00
Net check$3,352.52
✓Employer-paid supplemental insurance coverage (value confirmed at implementation)
Your monthly change
+$94.08/mo

Your take-home pay stays flat or slightly higher — plus employer-paid insurance coverage.

This illustration estimates your paycheck impact using your filing status and, for joint filers, your spouse's income to approximate your household tax situation. It does not account for your spouse's own pre-tax deductions, your W-4 elections, or other household factors that affect real payroll withholding — your actual result may still differ. For most employees, BCB Advantage keeps your paycheck flat or slightly higher while adding employer-paid insurance coverage, but we recommend reviewing your specific numbers with your payroll department before enrolling.
BCB Advantage is an employer-sponsored benefit program funded by a Section 125 pre-tax election. The monthly health expense coverage shown above reflects your paycheck impact only.
Looking ahead

Social Security & your retirement savings

A pre-tax election may reduce Social Security-covered earnings. These examples compare a potential retirement benefit change with setting aside your estimated monthly paycheck increase.

Potential change in covered earnings

$950.00/mo

Lower reported earnings can lower retirement benefits if these years are included in your highest 35 earning years. A benefit change is not the same as payroll tax savings.

Monthly paycheck increase available to save

$94.08/mo

Uses the net paycheck change above—not the full tax savings or the health expense coverage payment. Assumes the full increase is invested each month.

10-year example

10 participation years, then retirement

Potential Social Security reduction
$86.86/mo
Projected savings balance at 8%
$17,212
Includes $11,290 in deposits
Monthly payout over 25 years at 4% growth
$90.85/mo
Balance drawn down to $0 after 25 years

$89.95/mo invested at 8% would target a 25-year monthly payout equal to the modeled Social Security reduction, assuming 4% growth during retirement and no balance remaining at the end.

Under these assumptions, redirecting the full paycheck increase would meet that withdrawal target.

20-year example

20 participation years, then retirement

Potential Social Security reduction
$173.71/mo
Projected savings balance at 8%
$55,415
Includes $22,579 in deposits
Monthly payout over 25 years at 4% growth
$292.50/mo
Balance drawn down to $0 after 25 years

$55.87/mo invested at 8% would target a 25-year monthly payout equal to the modeled Social Security reduction, assuming 4% growth during retirement and no balance remaining at the end.

Under these assumptions, redirecting the full paycheck increase would meet that withdrawal target.

30-year example

30 participation years, then retirement

Potential Social Security reduction
$260.57/mo
Projected savings balance at 8%
$140,213
Includes $33,869 in deposits
Monthly payout over 25 years at 4% growth
$740.10/mo
Balance drawn down to $0 after 25 years

$33.12/mo invested at 8% would target a 25-year monthly payout equal to the modeled Social Security reduction, assuming 4% growth during retirement and no balance remaining at the end.

Under these assumptions, redirecting the full paycheck increase would meet that withdrawal target.

Social Security assumptions. Educational comparison, not a personal benefit estimate. Assumes 35 years at the employee’s current monthly wage base (income minus other pre-tax deductions, following the paycheck model), with the selected 10, 20, or 30 years included in those highest 35 years. Uses the 2026 covered-wage limit of $184,500 and the 2026 benefit formula: 90% of the first $1,286 of average indexed monthly earnings, 32% from $1,286 to $7,749, and 15% above $7,749. Compares benefits at full retirement age, before SSA rounding. Spouse income is excluded.

The model freezes wages and SSA parameters in 2026 dollars and does not perform historical wage indexing or forecast inflation, future wage limits, bend points, or cost-of-living adjustments. Actual effects depend on your earnings record, whether affected years enter your highest 35 years, retirement age, and program rules. Other pre-tax deductions may not all reduce Social Security wages; confirm covered wages with payroll. This illustration does not assess eligibility credits, disability benefits, or survivor benefits.

Savings assumptions. Constant deposits at month-end for the same 10-, 20-, or 30-year period, with a hypothetical 8% nominal annual return compounded monthly, before taxes and fees. Retirement assumes 4% nominal annual growth compounded monthly and equal month-end payouts for 25 years (300 payments). Each payout uses both investment growth and principal, drawing the balance down to zero after the final payment; this is not a 4% withdrawal rule and does not reserve an ending balance for heirs.

Social Security retirement benefits generally continue for life and may receive cost-of-living adjustments, while this modeled investment payout ends after 25 years and does not increase with inflation. Social Security may also provide eligible survivor benefits, which are not modeled here. Investment balances and payouts are future nominal dollars; Social Security changes use frozen 2026 parameters, so the comparison is not inflation-adjusted. Returns are hypothetical, can be negative, and are not guaranteed; variable returns, taxes, and fees could exhaust funds sooner. These examples do not guarantee replacement of Social Security benefits and are not investment or tax advice.

SSA benefit calculationSSA benefit formula thresholdsSSA covered-wage limitsYour personal SSA estimate

Employer-paid benefit coverage

examples only — actual coverage varies by plan sponsor
Hospital confinement
$300/day

Per inpatient day, coordinated through the plan administrator.

Critical illness
$10,000 lump sum

Paid on diagnosis of heart attack, stroke, cancer, or major organ failure.

Accident
Up to $5,000

Schedule-based for ER visits, fractures, dislocations, and lacerations.

Cancer
Scheduled benefits

Diagnosis, chemo, radiation, surgery, and hospital stays.

Supplemental gap
Copay + coinsurance

Offsets remaining out-of-pocket after your group health plan pays.

This simulator is for illustrative purposes only. BCB Advantage is an employer-sponsored benefit program funded through a Section 125 cafeteria plan election. Federal tax brackets and standard deductions use 2026 IRS figures (Rev. Proc. 2025-32). Georgia state income tax rate is 4.99% (HB 463, effective 2026). FICA is 7.65% for employees enrolled in Social Security and 1.45% (Medicare-only) for those who are not. Benefit coverage examples shown are illustrative — actual coverage types and amounts are determined by the plan sponsor's benefit configuration. This is not tax or financial advice.

Ready to offer BCB Advantage to your clients?

BCB Advantage is available exclusively through licensed broker partners. Register to access the full implementation toolkit.