Shielded Horizon helps employers provide health benefit access while reducing payroll costs through Section 125 pre-tax programs — with human-reviewed documentation every step of the way.
Not sure where to start? Ask what documents are needed
Educational Review Path
We learn about your workforce, payroll structure, and current benefits to identify where Section 125 applies.
AI-assisted intake builds a missing-item checklist so nothing falls through before the human review.
Your team receives clear, plain-language materials about pre-tax benefit options and what they mean for employees.
A Shielded Horizon advisor reviews everything before any payroll-run coordination begins. No AI shortcuts.
All outputs are educational. Final legal, tax, and payroll decisions remain with your qualified advisors and plan administrators.
Section 125 programs touch every layer of an organization. Shielded Horizon guides each stakeholder through what matters to them.
Understand how pre-tax benefit structuring reduces employer payroll costs without reducing employee take-home pay.
Employer savingsStreamline open enrollment education, manage documentation readiness, and answer employee questions with confidence.
Enrollment supportGet clear, reviewed workpapers before any payroll-run coordination. No ambiguity about what's been approved and what hasn't.
Payroll clarityModel pre-tax savings opportunities and understand the documentation trail that supports audit readiness and sound benefit administration.
Financial planningPlain-language briefs and education sessions explain what Section 125 means for take-home pay and health access — before any enrollment decision.
Employee educationEvery engagement follows the same disciplined path — no steps skipped, no AI shortcutting the human review.
We map your workforce size, payroll system, current benefit offerings, and plan structure to understand where Section 125 applies and what documentation you'll need.
AI-assisted intakeA checklist of required and missing items is generated from your discovery responses. Nothing gets forwarded to human review until the packet is complete.
Missing-item trackingEmployees and HR receive plain-language briefs, FAQ documents, and optional Zoom-style education sessions explaining pre-tax benefit options — before any enrollment begins.
Post-approval onlyA Shielded Horizon advisor reviews the full approval packet. Payroll-run coordination and invoice-support workpapers are released only after human sign-off. Every step documented.
Human reviewedShielded Horizon does not modify payroll. We provide read-only review support: status-change queues, invoice-support workpapers, and documentation packets — all delivered to your payroll admin after human approval.
Status Queue · Sample View
Illustrative only. Actual status queue reflects your engagement and approval state. No payroll runs are initiated without explicit human approval.
Employees make better benefit elections when they understand what they're choosing. Shielded Horizon delivers education materials only after plan approval — so nothing is put in front of employees prematurely.
One-page summaries explaining what Section 125 pre-tax benefits mean in practical terms — what changes in a paycheck, what stays the same, what employees decide.
Post-approval onlyPre-built FAQ documents covering the questions HR fields most often. Reduces back-and-forth during open enrollment and gives employees something to review before making elections.
Post-approval onlyLive or recorded education sessions for employees who want to ask questions directly. Scheduled after plan documentation is complete and advisor-reviewed.
Post-approval onlyEvery output Shielded Horizon produces is educational. We help employers understand Section 125 documentation readiness — but we do not provide legal, tax, or payroll advice, and we never represent ourselves as doing so.
Important: Shielded Horizon provides educational review support and documentation readiness assistance only. Nothing we produce constitutes legal advice, tax advice, or a final compliance determination. All plan documents, elections, and payroll implementations must be reviewed and approved by your qualified legal counsel, CPA, or plan administrator before execution.
Education, documentation readiness review, AI-assisted intake, missing-item tracking, employer discovery, payroll-run coordination support after human approval.
We do not provide legal, tax, or payroll advice. We do not approve plans, make compliance determinations, or issue eligibility rulings. We do not provide medical care or clinical services.
No documentation, checklist, or workpaper reaches an employer or employee without a Shielded Horizon advisor reviewing it first. AI assists the intake — humans own the output.
Every document we produce carries a visible educational disclaimer. Your employees and HR team will always know what type of guidance they're receiving.
The discovery process starts with a structured intake — no commitment, no obligation. We'll identify whether Section 125 documentation readiness is worth pursuing for your organization and what the path looks like.
Not sure what documents you'll need? Submit a review request and we'll walk you through it within one business day.
Shielded Horizon provides educational review support only. Not legal, tax, or payroll advice. Atlanta, Georgia.