Frequently Asked Questions

No. This program is designed to work alongside your existing benefits structure, not replace it. A benefits review may help identify opportunities to enhance your current offerings or potentially create additional value for employees through supplemental benefits and payroll-related structures. Your existing health insurance, if you offer it, remains in place.

Yes. Many employers who already offer health benefits may still have opportunities to enhance their package or create additional employee value. A review can determine whether your current structure may benefit from optimization or supplemental additions. The key is reviewing your specific payroll structure, employee eligibility, and current plan design.

Yes. Employers who do not currently offer health benefits may also have opportunities to create employee value through alternative benefits structures. A review can identify whether certain programs may be a fit for your workforce, employee count, and payroll structure. Not all employers will qualify, and each situation requires individual review.

Our public-facing estimates use industry benchmarks of approximately $600–$850 per eligible employee per year in potential employer savings. Employee take-home impact is modeled as an illustrative 3%–4% of annual wages. These are directional estimates only. Actual savings, if any, may vary significantly based on your specific payroll structure, employee eligibility, participation rates, state regulations, and plan review. A full review is required to verify whether your business may qualify.

No. Savings are never guaranteed. The calculator provides estimated ranges based on public-facing benchmarks, but actual results may be higher, lower, or not available at all. Eligibility, payroll structure, employee participation, state regulations, and plan review all affect whether any savings opportunity exists for your business. Regal Capital Solutions makes no guarantee regarding savings, tax benefits, or employee benefit results.

Certain states have specific payroll regulations and benefit requirements that may affect eligibility and program structure. While our current estimator provides a general range, the state information helps identify which employers may benefit most from a detailed review. Some states have additional requirements that need to be evaluated on a case-by-case basis.

Employers with W-2 employees who are evaluating their benefits strategy tend to be the best fit. Businesses with 10 or more eligible employees, stable payroll, and a desire to enhance employee benefits or explore potential cost savings opportunities may benefit most. However, every business is different, and a review is the best way to determine whether an opportunity exists for your specific situation.

The initial benefits review consultation takes approximately 15 minutes. During this time, we review your business information, employee count, current benefits structure (if any), and payroll setup. If an opportunity appears promising, a more detailed review of your payroll structure and eligibility may follow. Implementation timelines, if applicable, vary based on plan requirements.

After booking, you'll receive a confirmation with calendar details. During your 15-minute review, we gather information about your business, employees, and current benefits (if any). We then evaluate whether a detailed payroll and eligibility review may be warranted. If so, we guide you through next steps and connect you with appropriate benefits partners if there's a potential fit.

No. Regal Capital Solutions is not an insurance carrier, tax advisor, law firm, payroll company, or benefits administrator. We help employers review potential benefits opportunities and connect them with qualified third-party benefits partners and professionals. We do not administer benefits plans, provide insurance, or offer tax advice directly.