A Smarter Financial Model for Workforce Safety & Wellness
Build a safer, healthier workforce—while potentially reducing your net investment.
Most organizations view workforce safety as another operating expense. First see what human error is costing you today—then see how the combined solution may offset nearly all of its own cost.
Much like major automotive manufacturers offer financing through trusted financial partners, Shield-365® works with 360 Advantage™—an independent employee benefit provider—to structure a self-funding path for workforce safety and wellness.
The Hidden Cost of Human Error
Human error drives:
For many organizations, the cost of doing nothing may be far greater than the cost of implementing workforce safety.
But how much is it costing your organization? Run the diagnostic below.
Executive Diagnostic
Human Error Impact Assessment
Understand the financial impact of human error and identify opportunities to improve workforce performance.
Workforce
Unscheduled Downtime
Injuries & Incidents
Equipment Damage
Quality Losses
Customer Impact
Estimated Annual Human Error Impact
$1,155,000
Total estimated cost across your 1,000-person workforce.
Unscheduled Downtime
$500,000
Injuries & Incidents
$30,000
Equipment Damage
$200,000
Quality Losses
$230,000
Customer Impact
$195,000
Total Estimated Annual Impact
$1,155,000
Potential Areas of Improvement
Estimated costs are based on user-provided information and industry benchmarks. Actual outcomes will vary depending on operating conditions and implementation approach.
Finally, a Government-Enabled Path to a Self-Funded Employee Wellness Program
A healthier employee can save your company, your employee, and the government money today and into the future. That is why 360 Advantage™ was created.
It is a clinically proven, IRS- and ACA-compliant, tax-structured self-funded employee wellness platform. Through a Section 125 Cafeteria Plan, a Self-Insured Medical Reimbursement Plan, and a Preventative Care Management Plan, you can offer proven wellness while saving both your business and your employees real dollars today.
Section 125 Cafeteria Plan
Pre-tax employee contributions, legally structured under IRC Section 125.
Self-Insured Medical Reimbursement Plan
A SIMRP under IRC Section 1.105-11 that reimburses participants post-tax.
Preventative Care Management Program©
A documented program under 42 U.S.C. 300gg-4(j)(3)(c).
Clinically Proven Digital Therapeutic
A wellness platform with 10+ years of clinical validation.
In plain terms: the government determined that a healthier employee today saves us all money in the future—so let's make the investment.
Learn About 360 AdvantageHow the 360 Advantage™ Model Works
The system converts a portion of taxable income into a pre-tax benefit contribution—reducing taxes for both the employee and the employer.
Employer Opts Into the Program
The 360 Advantage™ team establishes a Section 125 Cafeteria Plan, a Self-Insured Medical Reimbursement Plan (SIMRP), and a documented Preventative Care Management Plan for the business.
Employee Elects to Participate
Eligible employees — W-2, full-time (30+ hours), and covered under major medical — voluntarily enroll in the program.
Pre-Tax Contribution Is Applied
A program fee is applied pre-tax monthly, lowering the employee's taxable income. The business reimburses the fee post-tax through the SIMRP, which raises the employee's take-home pay.
Tax Savings Are Created
Because taxable income drops, both employees and employers save on federal income tax, Social Security, Medicare, and often state taxes.
The Program Funds Itself
The tax savings pay for the program — often leaving both the employee and the employer with net savings each month.
~$150
Employee take-home / month
Added to participating paychecks
$87.98
Employer FICA savings / month
Per participating employee
$623
Net employer savings / year
After program costs, per employee
Illustrative 360 Advantage™ figures. Actual results vary by employer eligibility, workforce demographics, participation, payroll structure, and applicable laws.
What if your workforce safety investment could potentially pay for itself?
For many qualified employers, the combined solution may significantly reduce the net investment required to implement Shield-365®, with some organizations potentially approaching a near net-zero investment within approximately 12 months.*
See Your Potential Workforce Savings
Adjust the model to your workforce and watch how the 360 Advantage™ tax structure may fund your investment in safety and wellness.
Workforce Savings Estimator
Adjust your workforce profile to see how the 360 Advantage™ tax structure may create value.
Carried over from the Human Error Cost calculator above — adjust here and it stays in sync.
W-2, full-time (30+ hrs), covered under major medical.
Share of eligible employees who voluntarily enroll.
600
estimated participating employees
Employee Take-Home Increase
$1,080,000
~$150/mo per participant, added to paychecks.
Employer Payroll Tax Savings
$633,456
~$88/mo FICA reduction per participant.
Estimated Net Employer Savings
$374,256
After 360 Advantage™ program costs — approximately $52/mo (~$624/yr) per participating employee.
This surplus may fully offset your Shield-365® workforce safety investment.
For many qualified employers, the employer net savings can approach a near net-zero investment in workforce safety. Your confidential platform figures are provided in a personalized Workforce Savings Analysis.
Illustrative estimates only, based on 360 Advantage™ program assumptions. Actual results vary by employer eligibility, workforce demographics, participation, payroll structure, and applicable laws.
How Shield-365® Adds Synergistic Value
360 Advantage™ creates the financial engine. Shield-365® supercharges it with measurable safety and performance.
360 Advantage™
Shield-365®
A Self-Funded Workforce Performance Platform
Tax Optimization + Preventative Care + Safety Intelligence + Workforce Efficiency
What Shield-365® Delivers
Continuous Wellness
- •Vitals: HR, BP, RR, SpO₂, Temp
- •Activity & sleep monitoring
- •Preventive wellness outcomes
Workforce Safety
- •Man-down & fall detection
- •Indoor / outdoor tracking
- •Geo-fencing
Real-Time Communication
- •Peer-to-peer AI communication
- •Manager-to-worker hands-free voice
- •Instant incident alerts
Operational Intelligence
- •Real-time workforce visibility
- •Productivity analytics
- •Documented reporting
Why Organizations Choose the Combined Solution
Potentially Lower Net Investment
A smarter financial model that may reduce the effective cost of workforce safety and wellness.
Improve Employee Wellness
Support healthier, more engaged employees through integrated preventive programs.
Strengthen Recruitment & Retention
Differentiate your organization with meaningful benefits that attract and retain top talent.
Improve Workforce Productivity
Reduce disruption from incidents, absenteeism, and downtime across every shift and site.
Create Value for Employers & Employees
Deliver potential financial benefits across the organization through one integrated solution.
Transform Safety Into a Strategic Investment
Reframe workforce safety from a cost center into a measurable driver of performance.
What the CFO Sees
What Employees See
Frequently Asked Questions
The optional 360 Advantage™ Employee Benefit Program is designed for qualified employers. Eligibility depends on employer circumstances, workforce size, and applicable regulations. Our specialists can help you determine whether your organization qualifies.
Potential savings are estimated through a customized workforce savings analysis prepared by our specialists together with the 360 Advantage team. The analysis reviews your workforce profile, current costs, and implementation scope to illustrate how the combined solution may benefit your organization.
No. Shield-365® is a workforce safety, wellness, and communication technology platform and does not provide tax, legal, accounting, or insurance advice. 360 Advantage is an independent employee benefit provider. Employers should consult their own legal, tax, and financial advisors before implementation.
In certain circumstances, qualified employers may be able to significantly reduce—and in some cases potentially offset—the net cost of implementing Shield-365® through the optional 360 Advantage™ program. Outcomes vary based on employer circumstances and applicable laws.
Request a complimentary workforce savings analysis. Our specialists will review your organization's profile and provide a customized assessment of eligibility, potential savings, and a recommended implementation approach.
Complimentary Workforce Savings Analysis
Every workforce is different.
Our specialists, together with the 360 Advantage team, can prepare a customized analysis illustrating how the combined solution may benefit your organization.
Your Analysis Includes
- Estimated employer savings
- Estimated employee savings
- Platform investment analysis
- Device deployment strategy
- Estimated net investment analysis
- Workforce implementation recommendations
Shield-365® is a workforce safety, wellness, and communication technology platform. 360 Advantage is an independent employee benefit provider.
*Illustrative outcomes only. Actual results vary based on employer eligibility, workforce demographics, employee participation, payroll structure, and applicable laws. Employers should consult their own legal, tax, and financial advisors before implementation.