Annual Cost Savings
+$107,790
Profit Margin Change
12.0% → 17.4%
Health Cost Eliminated
+$172,800
Base Workforce
Distributed Healthcare enrollment tranche
At 12 employees you are Tranche A — enrollment Year 1 (self-employed, gig, under-20 employers, and all currently uninsured).
Tranches set when your workers move onto the floor and your payroll levy replaces FICA plus premiums — never the rate: every tranche pays the full 28% (10.5% / 17.5%) from its first day. Average payroll and regional capacity readiness also factor into scheduling.
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 v10.8 · Scoring v10.8. payroll tax replaces employer FICA and health obligations with a single 17.5% employer withholding on all compensation (corridor 25.0–29.0%). Employer Parity Surcharge rates are illustrative points from the published scoring formula. FedCard payroll assumes ~80% processing cost reduction.
Architecture version: v10.10
Scoring version: v10.10 (rerun 2026-07-03)