Annual Cost Savings
+$107,790
Profit Margin Change
12.0% → 17.4%
Health Cost Eliminated
+$172,800
Base Workforce
Add Specialized Employees
Base: Current Costs
−$223K
FICA $50K + Health $173K
Base: Accord Costs
−$115K
payroll tax $115K + Health $0
What Changes for Your Business
You Stop Doing
• Choosing health plans / negotiating insurers
• COBRA notifications and ACA compliance
• Managing FSAs, HSAs, open enrollment
• Filing employer FICA separately
• Using benefits as a hiring lever
You Start Doing
• One payroll tax withholding (10.5% + 17.5% employer match)
• FedCard payroll — near-zero processing
• Every worker has Distributed Healthcare from Day 1
• Compete on wages and mission
• Same system: 1 employee or 10,000
Estimates use Architecture v10.2 · Scoring v10.2. payroll tax replaces employer FICA and health obligations with a single 17.5% employer withholding on all compensation (corridor 26.5–29.0%). Parity Wedge calculations use simplified Alliance Incentive tier discounts. FedCard payroll assumes ~80% processing cost reduction.
Architecture version: v10.2
Scoring version: v10.2 (rerun 2026-04-30)