A customizable cushion of fringe dollars that covers premium shortfalls automatically, so a slow month never costs an employee their coverage.
Your fringe obligations stay funded through hour fluctuations, so prevailing wage compliance holds even in a bad month. Skilled trades keep their coverage through slow seasons, which reduces turnover before the next ramp, and employees never face a surprise lapse.
The reserve runs automatically with no payroll-side intervention, and you set its depth to match your project cycles and workforce.
Each month, health and welfare contributions flow through four stages in this order. The Premium Reserve sits at stage three, funded before any retirement allocation.
The fringe dollar priority order
Stage 1
H&W contribution
Employer submits fringe dollars.
Stage 2
Benefit premiums
Medical, dental, vision, life, disability.
Stage 3
Premium Reserve
Employer-selected months set aside.
Stage 4
Retirement plan
Excess funds directed here.
Set the duration
You choose how many months of premium to hold, typically three, tuned to your seasonal patterns.
Transfer at separation
Any reserve balance remaining at separation moves directly to retirement. Nothing is forfeited.
Premium
Reserve
Cycle
Absorb the shortfall
When monthly contributions fall short, the reserve covers the deficit and coverage stays active.
Refill automatically
When hours rebound, excess fringe dollars refill the reserve before flowing to other allocations.
An employee with $800 a month in elected premiums and a three-month reserve target.
$800
Monthly premium
3 mo
Reserve duration
$2,400
Reserve target
Monthly H&W contribution vs. premium cost
In the three short months, the reserve covers the gap and coverage never lapses. When hours rebound, excess fringe dollars rebuild the cushion before anything flows to retirement, and the portal logs every contribution, premium draw and ending balance as audit-ready proof.