EHP Program for CFOs & CEOs

Cut Payroll
Tax Leakage.

Keep the Risk Boxed In.

A simple savings review shows whether EHP can create meaningful employer FICA savings — backed by documented risk controls, Harbor Shield IRS audit-defense support, and a $20 million E&O policy.

Through the Employers Choice Program and Revive Health, employers can pursue FICA tax savings while adding a practical wellness benefit to the existing benefits package.

Schedule the CFO Savings Review See how it works

30 minutes. Clear numbers. No obligation.

$639

Estimated employer FICA savings

per enrolled employee / year

$288K

Illustrative annual savings

at 450 enrolled employees

Protected

E&O policy + Harbor Shield

Audit defense / $20M E&O policy

If the numbers don't justify the conversation, you stop. If they do, you see the savings case and the risk controls before implementation.

Primary Service

Transform payroll obligations into tax savings.

EHP is a federally compliant tax overlay built on 45 years of regulatory foundation under IRC Sections 105, 125, and 213d. It doesn't replace your health insurance — it adds a Self-Insured Medical Expense Reimbursement Plan (SIMERP) on top, generating FICA tax savings on the very next payroll cycle.

1

Savings

JEH screens census, eligibility, payroll, and participation to calculate actual employer FICA savings — quickly.

2

Protection

The plan includes Harbor Shield IRS audit-defense support and a $20 million E&O policy to indemnify you if Harbor Shield cannot successfully defend an audit.

3

Simple Next Step

A one-week proposal process gives leadership a clear yes/no decision without obligation. Underwriter legal opinion letters and supporting IRS memos are available for review.

What makes the offer decision-safe

E&O Policy Included

A dedicated $20 million E&O / indemnification policy is part of the plan structure, helping finance and leadership evaluate savings with documented risk controls.

Harbor Shield IRS Audit Defense

Attorney-led defense if your Section 125 benefit structure is audited, reviewed, or questioned. Legal fees are covered up to your plan limit. Included through EHP at no extra cost.

Fast savings snapshot

100 eligible

$57,600

250 eligible

$144,000

500 eligible

$288,000

Illustrative annual employer FICA savings using $639 per enrolled employee and 90% participation.

Specialized Tax Incentives

Federal money most businesses leave on the table.

Most businesses focus on deductions. We identify dollar-for-dollar federal and state tax credits that reduce what you actually owe — not just what you report. The programs below are dramatically underutilized and apply to far more businesses than most owners realize.

Primary Focus — Highest Value

R&D Tax Credit (Section 41)

A dollar-for-dollar reduction in federal tax liability — not a deduction. After the One Big Beautiful Bill of 2025 restored full immediate expensing, this credit is up to 5× more valuable than it was in 2024.

  • Not just for tech — restaurants, healthcare practices, architecture firms, retailers, and any business improving a product, process, or workflow can qualify.
  • Retroactive claims available for the last 3 open tax years.
  • Annual residual — qualifying activities generate the credit year after year.
  • Startups can apply R&D credits against payroll taxes — up to $500,000/year — even before profitability.
  • State-level credits stack on top of federal; in Michigan, combined credits can reach $575,000+ annually.

5× More Valuable

Post-2025 legislation restores full year-one expensing.

6–12%

Of qualified research expenses returned as a federal tax credit.

3 Years Retroactive

Most businesses can claim prior-year credits and receive a refund check.

16+ Industries

Qualify beyond manufacturing — software, A&E, healthcare, F&B, construction.

Who qualifies — broader than you think

The IRS four-part test is based on activities, not industry labels. If you improve a product, process, formula, software, or workflow, you may already be conducting qualifying research.

  • Manufacturing & Light Industrial
  • Software & Technology
  • Architecture & Engineering
  • Healthcare & Medical Devices
  • Food & Beverage / Restaurants
  • Construction & Real Estate
  • Agriculture & Biotech
  • Aerospace & Defense
  • Retail & E-Commerce Systems
  • Staffing & HR Technology
  • Breweries & Distilleries
  • Chemical & Formula Development

Cost Segregation

Accelerate depreciation on properties you already own.

Generate substantial immediate tax deductions on commercial property purchased, built, or renovated — with no out-of-pocket cost until savings are confirmed.

  • Properties purchased, built, or renovated in the last 20 years
  • Minimum property value $250,000
  • 100% bonus depreciation restored in 2025
  • Apartment, retail, medical, hotels, restaurants
  • Stacks with property tax abatement programs

FICA Tip Credit

Recover FICA paid on employee tips — every year.

A dollar-for-dollar employer credit for FICA payroll taxes paid on tips. One of the most overlooked credits in hospitality — and it renews automatically.

  • Restaurants, bars, salons, hospitality
  • Minimum $100,000/year in employee tips
  • Dollar-for-dollar federal tax reduction
  • Annual recurring credit, captured automatically
  • Expanded under 2025 legislation

Tax Management System

Continuous monitoring across hundreds of programs.

A platform that scans local, state, and federal tax incentives against your business profile, identifying opportunities as they trigger. Most businesses qualify for multiple stacked programs.

  • Monitors current employees, last 4 years of hires, and new hires
  • Covers WOTC, disaster credits, state incentives
  • Stacks with R&D, cost seg, FICA tip, EHP
  • Generates IRS-ready documentation automatically
  • Designed for businesses of all sizes

What We Do

A full suite for the offices of the CFO and CEO.

Beyond EHP and tax credits, JEH operates across expense reduction, operations & technology, and growth-stage business development.

01

EHP & Tax Incentives

Primary FICA tax savings through the EHP SIMERP overlay — plus a full range of federal and state tax incentive programs.

  • EHP SIMERP FICA savings
  • Work Opportunity Tax Credit (WOTC)
  • Property tax reduction
  • Self-employed health credits
  • Class action consulting

02

Expense Reduction

Identify and recover dollars already leaving your business through inefficient vendor relationships and billing errors.

  • Credit card processing optimization
  • Utility & wireless audits
  • Shipping & freight savings
  • Workers' compensation recovery
  • Laundry & linen audits

03

Operations & Technology

Build the operational infrastructure that scales with your business — from automation to custom software.

  • Accounts payable automation
  • Workflow automation
  • Data analytics systems
  • E-commerce operations
  • Custom software development

04

Business Development

Strategic consulting for growth-stage companies — from formation and funding to digital presence and market expansion.

  • Startup strategy & scaling
  • Business model analysis
  • Digital marketing
  • Infrastructure formation
  • Grant research & writing

No fees unless you save. Over 90% of clients achieve measurable improvements.

Schedule a discovery call

International Business Development

Paraguay: the low-cost energy advantage.

JEH serves as the strategic bridge between U.S. companies and energy-advantaged foreign markets — providing the access, relationships, and execution support to turn international opportunity into operational reality.

100%

Renewable hydroelectric

Itaipú & Yacyretá dams

#11

Lowest industrial electricity prices globally

10%

Flat corporate tax

Among the lowest in the Western Hemisphere

$10–50B

AI & data center investment pipeline

Projected over 30 years

Ideal for high energy-consuming operations:

  • AI Infrastructure
  • Data Centers
  • Crypto Mining
  • Heavy Manufacturing
  • Industrial Operations

Paraguay investor incentive programs (2025)

Law No. 7,548

Customs & VAT exemptions on capital goods. 10-year dividend tax exemption for investments of $13M+. No withholding tax on financing interest.

Maquila Regime (Law 7,547/2025)

1% tax on Paraguay value added. Full import duty & VAT suspension. Now includes tech & services. Up to 20-year benefits.

Free Trade Zones (Law 523/95)

0.5% income tax rate. Full customs exemptions on goods entering and leaving the zone.

Investment-Grade Rating

Paraguay achieved investment-grade sovereign credit rating in 2024 — signaling macroeconomic stability and reduced country risk for long-term commitments.

“JEH Consulting Services was retained to work directly with the Paraguayan Ambassador to the United States and members of the Paraguayan Senate to facilitate introductions and investment opportunities for U.S. companies seeking to establish operations in Paraguay.”
Jason Hersh, Founder & President of JEH Consulting Services, featured on a magazine cover

Featured in Top 100 Innovators & Entrepreneurs

Founder & President

The perspective that changes outcomes.

Jason Hersh is a disabled U.S. Air Force veteran, strategic leader, and Founder & President of JEH Consulting Services. With 25 years of experience building technology and operational infrastructure, Jason has an uncommon ability to see where systems break — and exactly how to fix them.

That capability was forged in real conditions. After Haiti's catastrophic 2010 earthquake, Jason relocated to Haiti full time, living there for seven years while helping build three businesses from scratch with no supply chain, no infrastructure, and no room for error. Among them was HERO Client Rescue, which today serves as the primary EMS provider for the entire country — air, ground, water rescue, and international evacuation.

Jason continues this mission as the volunteer Executive Director of HERO Foundation, Inc., a U.S.-based nonprofit that fundraises for and supports HERO Client Rescue's operations in Haiti.

  • Disabled Veteran
  • LBBP Certified
  • Top 100 Innovator
  • Global Operations

The ask is simple

Schedule the CFO Savings Review.

Send census/payroll basics, get a one-week proposal, and decide whether the savings and protection justify moving forward. 30 minutes. Clear numbers. No obligation.

Book the 30-min review →