Section 125 Programs

A Section 125, Voluntary Benefits, or Cafeteria Benefits Program is a solution to increase your employees net pay when budget restraints only allow for minimal salary raises, if any at all.

By deducting insurance premiums before taxes are taken from net pay, employees are saving an average of 30%. This reduces the employees' taxable income translating into FICA savings for the employer.

Mark III has the expertise to market and evaluate all employee benefits an employer can offer. As a broker, Mark III will prepare and market plan specifications to qualified vendors, evaluate the proposals, implement the selected plans,and monitor the performance of each plan. Since Mark III has strong relationships with numerous insurance carriers, we offer a competitive advantage by providing the best plans on the market that are accessible to all employees regardless of health conditions.

Customized Products

We work with our groups to come up with a benefits package that is right for your employees. We have a wide variety of options to offer as we work with a variety of carriers such as Aflac, OneAmerica, MetLife, Humana, Trustmark, Allstate, Ameritas, Unum, Texas Life, and more!


With over $300,000,000 at 150+ public sector clients, we can negotiate the best in class products, guarantee issue rates, and other plan provisions.

Guaranteed Insurability

No matter their health history we guarantee coverage! Employees can obtain coverage for our plans including disability, term life, cancer, critical illness, whole life, accident, hospital indemnity, and more!


Employee turnover is part of life whether in the private or public sector. When employees change employers, their plans are fully portable.

Here are a Few of our Carrier Partners

Let's Talk

Have questions about our Section 125 plans and services or ready to get started?

Fill out the form or call us at +1 (800) 532-1044 to start a conversation!