For more than 40 years, The Contractors Plan has designed and administered healthcare, retirement and specialty benefits programs for government contractors.
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The Contractors Plan is the premier provider of prevailing wage health and retirement plans tailored exclusively for government-funded contractors. We built the first bona fide retirement plan approved by the Department of Labor for merit-shop contractors to comply with prevailing wage obligations, and our systems are built around the regulatory burdens contractors face, from Davis-Bacon Act construction work to Service Contract Act service work.
Few firms work where ERISA, prevailing wage determinations, health benefits, retirement plans, annualization, PTO and each state's own rules all meet. That intersection is where contractors get tripped up, and it is the work we do every day.
More about usCover a specific job site or job class, or your whole workforce. Every program is structured to satisfy the fringe obligation and keep your bids lean.
ACA-compliant medical coverage built for multiple job sites, turnover and seasonality.
Learn morePrevailing wage retirement plans that maximize benefits for owners, HCEs and key employees.
Learn moreDental, vision, disability, life, critical illness and more — one hourly premium.
Learn moreWe handle compliance, enrollment, tracking and fringe accounting so your team can stay focused on the work. One partner, one point of contact.
A secure online portal where employees enroll anytime and employers manage the plan in real time.
Learn moreDirect connections to your HRIS and payroll systems, so employee data flows without manual entry.
Learn moreSelf-service access to benefits, balances and claims from anywhere.
Learn moreA dedicated account team, in-house call center and help at every step of implementation.
Learn moreDavis-Bacon, Service Contract Act and state prevailing wage rules — monitored and applied to your plan.
Learn moreOne hourly rate covering every benefit, tracked and accounted for across jobs and job classes.
Learn moreA cushion of fringe dollars that covers premium shortfalls automatically between jobs.
Learn moreDavis-Bacon and Service Contract Act employers, and the brokers who advise them, use The Contractors Plan to turn the fringe into benefits their people value.
Davis-Bacon plans that lower payroll taxes, cut bid costs and keep crews covered between jobs.
Learn moreSCA wage determinations, health and welfare dollars and successorship handled end to end.
Learn moreA specialist partner for your prevailing wage clients, with your commissions protected.
Learn moreSee what putting the fringe into a bona fide benefits plan does to your payroll taxes and your next bid. Four inputs, an annual number in seconds.
Open the calculatorEmployees
25
Fringe rate
$20.00 / hr
PW hours / yr
1,500
Payroll burden
25%
Annual savings
$187,500
Illustration using the calculator's default example.