> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bolto.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Benefits & Deductions

> Benefit plans, payroll deductions, garnishments, and benefits integrations in Bolto.

Bolto supports employee benefits three ways: benefit plans you configure directly, post-tax deductions and garnishments per employee, and integrations with benefits providers that sync to payroll automatically.

***

## Benefit plans

Create benefit plans from **Administration → Benefits**:

<Steps>
  <Step title="General information">
    Plan name, provider, benefit type, description, and effective dates.
  </Step>

  <Step title="Contribution">
    Employer and employee contributions, as a fixed amount or a percentage.
  </Step>

  <Step title="Assign employees">
    Choose which employees receive the benefit.
  </Step>
</Steps>

Supported benefit types cover:

* **Pre-tax (Section 125)** — medical, dental, vision, disability, accident, cancer, critical illness, hospital, life, and other Section 125 plans
* **Retirement** — 401(k), Roth 401(k), 403(b), Roth 403(b), 457, Roth 457, SIMPLE IRA, and non-qualified deferred compensation
* **Spending accounts** — medical FSA, dependent care FSA, HSA
* **Commuter** — transit and parking
* **Non-taxable fringe benefits**

Contributions are applied automatically on each payroll. Employees see their benefits in their own portal.

***

## Post-tax deductions & garnishments

From an employee's **Deductions** tab you can set up:

* **Child support** — with issuing agency, order ID, amount, and maximum percentage
* **Miscellaneous deductions** — fixed amount or percentage, with optional total and annual limits
* **Miscellaneous garnishments** — including a priority order when multiple garnishments apply

Each deduction has effective start and end dates and is applied automatically in payroll.

***

## Benefits integrations

Connect providers from **Administration → Integrations** — changes sync to payroll automatically:

| Integration           | What it does                                                                     |
| --------------------- | -------------------------------------------------------------------------------- |
| **Thatch**            | Health insurance benefits with premium deductions synced to payroll              |
| **SimplyInsured**     | Compare and purchase small-group health, dental, and vision plans                |
| **Benbase**           | Health, retirement, and workers' comp benefits with eligibility-aware enrollment |
| **Vestwell**          | 401(k) and Roth 401(k) plans with contributions synced to payroll                |
| **Next Insurance**    | Pay-as-you-go workers' compensation, premiums calculated from actual payroll     |
| **QuickBooks Online** | Payroll journal entries synced automatically after each payroll run              |