Cardinal Intro and what it costs to be an employer

1. A closer look at employer costs The Wheel of Employment

2. employer employee Adjusted gross Net paycheck Gross payroll $1,000

3. employer employee fica Adjusted gross fica Net paycheck Gross payroll 7.65% 7.65% $1,000

4. employer employee fica futa Adjusted gross fica fit Net paycheck Gross payroll 7.65% .8% 7.65% 15% $1,000

5. employer employee fica futa suta Adjusted gross fica fit sit Net paycheck Gross payroll 7.65% .8% 3.3% 7.65% 15% 9% $1,000

6. employer employee fica futa suta Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour 7.65% 15% 9% $1,000

7. employer employee fica futa suta Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour 7.65% 15% 9% Workers comp Varies $1,000

8. other other employer employee fica futa suta Workers comp Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% 401k? Insurance? Garnishments? Insurance? 401k? Local Tax? $1,000

9. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Local Tax? $1,000

10. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Local Tax?

11. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $500 $1500 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Local Tax?

12. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Form 940 Local Tax?

13. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Form 940 Form 941 Local Tax?

14. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Form 940 Form 941 Form 941 Local Tax?

15. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Form 940 Form 941 Form 941 Form 941 Local Tax?

16. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Form 940 Form 941 Form 941 Form 941 Local Tax? OR132/OQ/WR

17. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Form 940 Form 941 Form 941 Form 941 Local Tax? OR132/OQ/WR

18. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Form 940 Form 941 Form 941 Form 941 Local Tax? OR132/OQ/WR

19. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Form 940 Form 941 Form 941 Form 941 Local Tax? OR132/OQ/WR OR132/OQ/WR

20. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Form 940 Form 941 Form 941 Form 941 Local Tax? OR132/OQ/WR OR132/OQ/WR OR132/OQ/WR

21. Confused Anyone?

22. Our Employer Packages Suite Solutions

23.         Payroll Administration Human Resource Administration and Compliance Employee Benefits, Administration, and Compliance Workers Compensation and Risk Management Employee Screening Services

25. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Form 940 Form 941 Form 941 Form 941 Local Tax? OR132/OQ/WR OR132/OQ/WR OR132/OQ/WR

26. employer employee Gross payroll Workers comp Varies HR administration 4-8% $1000 Ahhhh....

27. employer employee Gross payroll Workers comp Varies HR administration 4-8% $1000

30. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Form 940 Form 941 Form 941 Form 941 Local Tax? OR132/OQ/WR OR132/OQ/WR OR132/OQ/WR

31. employer employee Gross payroll HR administration 4-8% $1000 Ahhhh....

32. employer employee Gross payroll HR administration 4-8% $1000

36. other other employer employee fica futa suta Workers comp HR administration Adjusted gross fica fit sit Net paycheck Gross payroll wbf wbf 7.65% .8% 3.3% 1.4 cents per hour 1.4 cents per hour Varies 7.65% 15% 9% $1,000 $680 $1120 401k? Insurance? Garnishments? Insurance? 401k? 4-8% Form 940 Form 941 Form 941 Form 941 Local Tax? OR132/OQ/WR OR132/OQ/WR OR132/OQ/WR

37. employer employee Gross payroll $1000 Ahhhh....

38. Additional Services Complete Flexible Solutions

46. Health Insurance A quick note on HSAs/HRAs/FSAs

55. Employer Size Affordable Health Care Act

59. Thank you!