LightHouse Total Wellness
Take control of your business
At Lighthouse Total Wellness, we do more than administer plans, we illuminate the full path to total employee care. Unlike other companies that stop at cafeteria plans, we’re here to build your complete benefits ecosystem.
Whether you're looking for full-package medical, ancillary products, worksite benefits, or niche programs tailored to your workforce, we don’t stop until we’ve found the right solution for you. If it exists, we’ll help you access it.
We’re not just a platform. We’re your partner in employee wellness, tax-advantaged strategy, and benefits innovation.
We’re here to help you thrive
What is a Section 125 Plan?
A Section 125 Plan, also known as a Cafeteria Plan, lets employees use pre-tax dollars to pay for qualified benefits - lowering taxable income and putting more money back into everyone’s pocket.
For employers, it’s a payroll tax strategy. For employees, it’s a path to smarter, more affordable benefits.
At Lighthouse Total Wellness, we use the 125 plan as a foundation—but we don’t stop there. Our team helps you layer in medical, ancillary, telemed, and specialty benefits, giving your people real choices and real savings.
Why Employers Choose Lighthouse
Big Tax Savings. Bigger Benefit Flexibility. Zero Out-of-Pocket.
Lower Payroll Taxes: Reduce FICA obligations and keep more capital in your business without cutting take-home pay.
No Cost to You or Your Team: Fully funded through pre-tax savings, with no employer contribution required.
Works With Your Payroll: We integrate with most payroll providers to ensure seamless implementation and zero disruption.
Boost Retention, Engagement & Culture: Offer real, usable benefits that help you attract and retain top talent.
Compliant by Design: IRS, ACA, and HIPAA-compliant from day one—with full documentation and audit support.
More Benefits. Less Stress. Bigger Paychecks.
Increased Take-Home Pay: Most employees see an average of $100/month back in their paycheck.
24/7 Telehealth & Support: Access doctors, nurses, and wellness experts anytime, from anywhere.
Family-Friendly Options: Broader coverage for spouses, dependents, and even non-traditional households.
Everyday Savings: Enjoy lower out-of-pocket costs on vision, dental, prescriptions, labs, and more.
Mental Health Included: Confidential access to counseling and emotional wellness support available when you need it.
We’re here to simplify your benefits strategy
Most Section 125 companies stop at cafeteria plans. We don’t. At Lighthouse Total Wellness, we work alongside your team to craft a full-spectrum benefits solution that actually fits your business.
From core medical to ancillary, worksite, telemed, and custom wellness offerings, we’ll track down and build out any type of benefit your employees need. Whether you’re looking for structure, savings, or a smarter path to retention, we’re here to make it happen.
Built for compliance.
Backed by experts.
Designed for peace of mind.
Compliance-First Philosophy
Our platform is built to meet IRS, ACA, HIPAA, and DOL requirements. We collaborate with legal and tax professionals to ensure every piece of your plan is compliant from day one.
HIPAA-Secure Infrastructure
We protect sensitive information with bank-grade encryption, controlled access, and rigorous data privacy protocols. Security is not an extra feature — it’s standard.
Fully Licensed and Approved
All of our offerings are properly licensed, documented, and structured to stand up to scrutiny. You get a legitimate, enforceable benefits program you can trust.
Contact us.
Better yet, schedule a time to meet us in person!
Email direct to our team at support@lighthousetotalwellnessllc.org