Turn unused sick and vacation time into
a supplemental retirement plan


These IRS approved plans save school districts millions in payroll taxes every year

The IRS currently allows organizations like yours to place employees’ unused vacation, sick, and holiday leave pay into a tax-deferred 401(a), 403(b) or 457(b) retirement plan, which permently saves both them and your organization up to 7.65% in FICA taxes.

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See how the Hillsborough County Public Schools saved over $40 million

Talk to a Savings Specialist

Organization Benefits

  • Reinvest the money into your organization
  • Help attract and retain talent
  • Improve its financial health (increase your credit score and balance sheet)
  • Turnkey, IRS compliant plan designs, administration, compliance, and education

Employee Benefits

  • Tax-deferred growth on their money
  • Use withdrawals any way they want
  • Withdraw money when they’re typically in a lower tax bracket

See how much your district can save


Use the sliders to the right to indicate your current number of employees,
annual turnover rate, and average payout per employee so you can see your Social Security and Medicare tax savings appear in the bar chart.

Employer Tax Savings Calculator

All projections assume 6.2% in Social Security Taxes and 1.45% in Medicare Taxes.
Employer Headcount
Annual Turnover Rate (%)
Average Payout Per Employee ($)
All projections are hypothetical. Your individual situation may vary
Take the first step to saving