Payroll Simulator

See BCB Advantage in Action.

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

Employee Profile

Tell us about the employee

$4,000
42 years
$

Enter your monthly share of your employer-sponsored health plan premium.

$0
$0/mo

Standard configuration includes a $50/month employer retirement contribution funded through the program's tax-efficient plan design.

At $50/month for 450 employees, this contribution is fully funded by employer FICA savings generated by the program — leaving the employer $24,000+ ahead annually.

Monthly Paycheck

Side-by-side comparison

Without BCB
Gross salary$4,000.00
Health premium-$150.00
Federal tax-$442.67
GA state tax-$207.52
FICA-$306.00
Net check$2,893.82
With BCB Advantage
Gross salary$4,000.00
Health premium-$150.00
BCB §125 election-$750.00
Federal tax-$352.67
GA state tax-$167.09
FICA-$248.63
HCB benefit$575.00
Net check$2,906.62
Employer-paid supplemental insurance coverage (value confirmed at implementation)
+ Employer retirement contribution+$50.00/mo
Your net check impact
+$12.80/mo

Your take-home pay is slightly higher each month.

Total monthly value
+$62.80
  • $50 retirement contribution
  • Employer-paid supplemental insurance coverage (value confirmed at implementation)
  • Net gain over check decrease: +$62.80

Employer-paid benefit coverage

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

Per inpatient day, no claim form beyond admission notice.

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.

Retirement Contribution

Employer retirement contribution — $50/month

Annual contribution
$600
10-year projected value
$8,194
To age 65 projected (23 yrs)
$29,613

This simulator is for illustrative purposes only. Federal tax brackets use 2026 rates. Georgia state income tax rate is 5.39%. FICA rate is 7.65% where applicable. Retirement projections assume a 6% annual return compounded monthly on a fixed $50/month employer contribution. 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.