We told you we could save you hundreds, possibly thousands, of dollars by simply offering your employees pre-tax plans? POPs, FSAs, and Transportation plans save employees and employers money because everyone pays less in taxes!


Section 125 of the Internal Revenue code allows employees to withhold a portion of their salary pre-tax to use for certain qualified benefit plans.These cafeteria plans have several components.

Premium Only Plans, or POPs, are the simplest form of a Cafeteria plan and allow for tax-favored treatment of premium contributions by employees towards their employer sponsored health plans. Not just limited to major-medical insurance, a POP can allow employees to make pre-tax contributions for premiums for dental and vision plans as well. These plans require very little administrative maintenance once established other than annual non-discrimination testing.


Flexible Spending Accounts, or FSAs, allow employees to contribute funds on a pre-tax basis to reimburse themselves for out-of-pocket medical and/or dependent day care expenses for themselves or their qualified dependents. Employees can decide which account to join and how much to contribute based on their needs.

Transportation Fringe Benefit Plans, often referred to as Transit and Parking accounts, are authorized under Section 132 of the IRS Code. While not technically part of a cafeteria plan, they are a perfect complement to one. These accounts provide for the reimbursement of qualified mass transit and parking expenses employees incur when they commute to work.The IRS establishes the pre-tax monthly maximums. Please contact BAI with any questions regarding these limits.

Our FSA and Transportation administration packages provide everything needed to offer these low-cost, morale-boosting benefits to your employees:

bullet Initial open enrollment materials including employee meetings, benefit summaries, enrollment forms and other communication pieces.
bullet A plan document and summary plan description, as required for cafeteria plans.
bullet Access to the WEX card, which employees can use to swipe for eligible expenses.
bullet Our experienced customer service staff, available from 8am to 5pm EST, Monday through Friday. Representatives are available in English, Spanish, and several other languages.
bullet Knowledgeable claims processors who will review all claims and debit card transactions, ensuring plan compliance.
bullet 24/7 secure on-line account information and claims submission portal for our pre-tax plan members.
bullet A weekly reimbursement schedule with direct deposit that allows your employees to get their money back as fast as possible.
bullet Discrimination testing and Form 5500 filing as needed.


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Using the WEX™ Card helps to keep cash in the participants' wallets. They simply swipe the Card and their amount of the eligible expense will be automatically deducted from the account. There are no forms to fill out and there is no need to wait for reimbursements.

Comments from clients about BAI and our Customer Service
bullet "When we started with BAI, I didn't know what to expect, but you have been amazing (responsive, courteous, knowledgeable) to work with." - Karl
bullet "Thank you for all of your help. Yours is one of the few companies that makes it painless to resolve issues." - Lynn
bullet "I appreciate all your attention [to this matter]. And mostly that you were very helpful and respectful. Keep up the good work. You have great people skills." - Brian
bullet "You do your work with professionalism and care. Thank you." - James


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