FAQ's

Enrolling your company through Save.Build.Protect. is free. For Quantum Health Benefits specifically, 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 through the Section 125 pre-tax structure; actual savings vary based on salary levels and benefit elections. TripValet enrollment is handled 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 (enrolled directly with Quantum), employees receive supplemental benefits that complement, but do not replace, major medical insurance. These supplemental benefits include discounted prescriptions, telemedicine, hospital and ER coverage, critical illness, surgery benefits, veterinary care, and health coaching, all pre-tax. Through TripValet (enrolled via the SBP portal), employees receive quarterly Dream Certificates for discounted travel and a Cruise Certificate after 12 months.

On average, employees may net an estimated $96 more per month in take-home pay through the pre-tax savings, without any change to their gross salary. Individual results vary based on salary, tax bracket, and benefit elections. The savings come from reduced tax withholding on qualified benefit premiums.

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 individuals with two wealth-building partners. Unhinged Real Estate offers 50/50 passive real estate partnerships using lease options in top growth markets. Managed Wealth Financial provides licensed financial professionals for insurance planning, tax-advantaged savings, debt reduction, and asset preservation.

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.