FAQ's

Enrolling your company through Save.Build.Protect. is free. For Quantum Health Benefits specifically, enrolled employers work directly with Quantum, and the program is zero cost to the employer. Employers may see estimated savings of $600 to $900 per employee per year in FICA taxes, beginning from their first payroll run. This fully-insured supplemental indemnity plan makes no changes to your existing health care benefits; just sits on top to add additional coverages to your organization at no net or out-of-pocket cost to you as the employer, and no co-pays or out of pocket cost to your employees. Quantum Health Benefits is structured as a Section 125 pre-tax plan; actual savings vary based on salary levels and benefit elections. TripValet enrollment is handled separately through the SBP portal at $9.97/month or $97/year per employee.

A Section 125 plan (also called a cafeteria plan) is an IRS-approved program that lets employees pay for qualified benefits with pre-tax dollars. This lowers the employee's taxable income and reduces the employer's FICA obligation, creating savings on both sides without changing anyone's paycheck structure.

Through Quantum Health Benefits, employees receive indemnity and supplemental medical benefits that complement standard major medical insurance. These supplemental benefits include 24/7 telemedicine for the employee and family, $0 prescription drug coverage (1,000+ medications), indemnity payouts for hospital stays, ambulance and ER visits, accident coverage, surgery and anesthesia benefits, critical illness coverage, virtual vet care, life coaching, and a health improvement program with risk assessments, all pre-tax. Through TripValet, employees receive access to significantly discounted travel, quarterly Dream Vacation Certificates and an annual Cruise Certificate.

Because of Quantum's Section 125 pre-tax structure, the savings come from reduced tax withholding on qualified benefit premiums. The amount generated in FICA savings is often greater than the plan premium, resulting in an increase to the employee's take-home pay, without any change to their gross salary. Likewise, the implementation of this plan will never decrease an employee's paycheck, and will increase the employer's bottom line significantly with every payroll run.

TripValet is a travel perks program at $9.97/month or $97/year per employee. Members receive a Dream Certificate every quarter, good for discounted vacation stays at destinations worldwide. Each certificate costs $19.97 to redeem at the time of booking. After 12 months of continuous enrollment, members also earn a Cruise Certificate. It's a real retention tool that gives employees something to look forward to.

For TripValet, each employee receives a group number once their company is enrolled. They visit the SBP portal, enter their group number, and complete a short enrollment form. Travel perks activate immediately. For Quantum Health Benefits, enrollment is handled directly through Quantum with guidance from your SBP agent.

We work with businesses of all sizes across every industry, from small local companies to large organizations, municipalities, and nonprofits. If you have W-2 employees, the Section 125 savings apply. Our partners also serve individuals and families directly through real estate and financial planning services.

Beyond employee benefits, SBP connects investors with Kris Krohn Real Estate, which offers passive real estate partnerships using lease options in today's hottest growth markets, with average cash flow of around $1,000 per month per property.

Yes. Our portal uses end-to-end encryption, role-based access controls, CSRF protection, and secure authentication with multi-factor support. We follow OWASP security standards and never expose sensitive data between roles. Employer data, employee data, and agent data are all strictly separated.