VCAMP : A Smarter
Framework for Benefits Funding

Motek's VCAMP framework helps employer's evaluate benefit's payroll impact, and funding opportunities through a clear, coordinated process.

Benefit funding through payroll

Helping employers evaluate compliant ways to improve employee benefit funding.

Every Employer Has a Different Benefits Story

Your current benefits, payroll process, and employee needs are unique. We listen, analyze, and provide recommendations tailored to your organization.

Our goal is simple

Understand First

We learn your goals, challenges, and current situation.

Recommend Second

We identify meaningful opportunities and explain the potential impact.

Implement with Purpose

We move forward only when it makes sense for your organization.

See Your Financial Impact Before You Make a Decision

The MoTek Payroll Engine™ transforms your existing payroll data into actioonable insights so your can fund today with confidence.

Executive
Summary

Employee Impact
Reports

Payroll
Comparison

Next-Step
Findings

How VCAMP Works

A clear, six-step process that connects your benefits, payroll, and funding strategy.

1
Current Benefits

We review your current benefits, programs, and plan design.

2
Review

We analyze payroll and identify improvement opportunities.

3
Payroll Impact Analysis

We model scenarios and project the financial impact.

4
VCAMP Framework

We coordinate benefits funding through payroll.

5
Implementation

We manage setup, coordination, and employee communication.

6
Ongoing Support

We provide ongoing guidance and ongoing optimization.

What Makes MoTek Different

We combine payroll census to receive a customized analysis.

Strategic Benefits Review

We align your benefits strategy with your organization's goals.

Payroll & Financial Analysis

Data-driven insights show your impact before you make a decision.

Guided Implementation

We handle the details and keep your team informed every step.

Long-Term Support

We stay with you, optimizing and adapting as needed.

Two Sides. One Mission.

Stronger benefit programs for employers. Better benefit experiences for employees.

For Employers

We help employers build stronger benefit programs through smart design, benefit payroll expertise, and finaccial insights.

Benefit Reviews

We support the broker relationship while helping employers strengthen their benefit strategy.

VCAMP Advantage

VCAMP helps employers evaluate payroll-driven benefit funding opportunities before

Cost Analysis

The strategy is built around the employer’s current needs instead of forcing one carrier option.

Implementation Support

Implementation can be coordinated around payroll, enrollment, and internal readiness.

Reduce Payroll Strain

Employers can review potential payroll tax impact using the MoTek Payroll Engine™.

Better Financial Outcomes

MoTek provides ongoing support after implementation so the strategy stay

For Employees

The VCAMP approach gives employees a stronger, more predictable benefit experience.

Affordable Benefits

Employees receive clearer education so they can understand available options.

Better Choices

Communication is simplified so employees know what to do next.

Value & Security

Administration is coordinated across payroll, enrollment, and benefit support.

Improved Understanding

Employees have continued support throughout the VCAMP experience.

Less Financial Stress

Administration is coordinated across payroll, enrollment, and benefit support.

Ongoing Support

Employees have continued support throughout the VCAMP experience.

Meet Mo AI

Your MoTek Benefits AI Advisor

A smarter, simpler way for employers and employees to get answers about benefits, payroll funding, and implementation.

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Section 125/105 Hybrid Model

A structured framework for reviewing benefits, payroll impact, employee contributions, and eligible reimbursement arrangements—so employers can make informed decisions with greater clarity.

Educational overview only. Final structure is subject to employer eligibility, plan documents, and professional review.

Review Your Benefits Structure with Confidence

A clear, coordinated review helps you understand how your benefits structure, payroll, and reimbursement arrangements work together.

Employer benefit objectives

Clarify goals, priorities, and the outcomes you want to achieve.

Employee eligibility and participation

Evaluate who is eligible, how participation works, and the employee experience.

Payroll and contribution structure

Review pretax contributions, payroll handling, and employee impact.

Plan-document requirements

Confirm plan terms, nondiscrimination testing, and compliance requirements.

Administration and ongoing support

Consider setup, coordination, communication, and ongoing management needs.

How the Hybrid Model Is Reviewed

A thoughtful review ensures each part of the structure aligns with plan design, eligibility rules, and documentation requirements.

Section 125

Review pretax benefit elections and employee contribution considerations.

Section 213(d)

Review eligible medical-expense considerations and substantiation requirements.

Section 105

Review employer reimbursement arrangement considerations and alignment with the plan design.

Every structure must be reviewed against plan documents, eligibility rules, substantiation requirements, and applicable guidance.

The Three Parts Work Together

The hybrid model connects these key components to create a coordinated benefits and reimbursement approach.

Section 125

Employees make pretax elections and pay pretax contributions.

Section 213(d)

Eligible medical expenses may be considered under applicable rules.

Section 105

Employers may reimburse eligible expenses within plan terms.

Each part must be reviewed together—aligned with plan documents, eligibility, substantiation, and applicable guidance.

A Three-Step Reimbursement Review

A structured review helps you evaluate the model and support sound decision-making.

Confirm the Eligible Premium Basis

Verify the premiums, benefits, and eligible individuals that support the model.

Review Group Pricing Methodology

Review underwriting and pricing considered to support and validate assumptions.

Support the Model with Documentation

Maintain complete plan documents, elections, billing, payroll records, and annual testing.

Documentation and compliance review are essential at every step.

Ongoing Compliance and Payroll Modeling

Continuous review and smart modeling help keep your program aligned and well-managed.

Ongoing Compliance Review

Regular reviews help maintain plan integrity and support compliance.

Payroll Modeling Support

Modeling helps you understand payroll impact and contribution scenarios.

A Smarter Way to Review Benefits

Continuous review and smart modeling help keep your program aligned and well-managed.

Model the Impact

Understand how your benefits program, payroll flow, employee elections, and reimbursements work together.

Make Informed Decisions

Use clear data to compare options and identify the structure that aligns with organizational goals.

Ongoing Guidance

We provide education, structure review, and model comparison support to help you move forward with confidence.

Personalized Support. Expert Assistance.