Powered by Cornerstone SCA
Service Contract Act Cost Calculator
Know Your True SCA Costs
Before You Bid
Multi-location headcount with FT/PT tracking, full H&W benefit component breakdown, granular payroll taxes, and complete compliance cost analysis — with Cornerstone SCA savings comparison built in.
Contract & Program Overview
Contract structure, period of performance, and primary SCA parameters
$
ℹSCA covers federal service contracts over $2,500. Sub-contractors on covered prime contracts are equally obligated. Every covered employee must receive the applicable WD wage rate plus the SCA H&W fringe benefit.
Multi-Location Headcount Builder
Add each performance site — FT and PT tracked separately with locality-specific WD rates
ℹSCA Wage Determinations are locality-specific. Each place of performance may have a different WD. Full-time (≥30 hrs/wk) and part-time employees have different H&W calculation methods and often different enrollment rates.
| Location / Site Name | State | FT Emps ≥ 30 hrs/wk |
PT Emps < 30 hrs/wk |
PT Hrs/Wk avg per PT EE |
WD Override blank = auto |
|
|---|---|---|---|---|---|---|
| Totals | 0 FT | 0 PT | — | |||
Hours & Schedule Configuration
hrs
wks
25%100%100%
Health & Welfare Fringe Benefits
SCA H&W obligation, all benefit components, enrollment rates, and Cornerstone SCA plan comparison
★2025 SCA H&W Rate: $4.98/hr (all hours paid) or $4.41/hr (hours worked only). This fringe must be delivered as cash wages, bona fide benefits, or a mix — and is on top of the base WD wage.
$
ℹToggle each benefit your organization provides. Enter the employer cost only. The calculator tracks total bona fide H&W value vs. your SCA obligation. Note: 401(k) match and vacation accrual are NOT countable toward SCA H&W fringe.
Medical / Health Insurance
$/mo
✓ Bona fide — counts toward H&W
Dental
$/mo
✓ Bona fide — counts toward H&W
Vision
$/mo
✓ Bona fide — counts toward H&W
Life & AD&D Insurance
$/mo
✓ Bona fide — counts toward H&W
Short-Term Disability
$/mo
✓ Bona fide — counts toward H&W
Long-Term Disability
$/mo
✓ Bona fide — counts toward H&W
HSA / FSA Employer Contribution
$/yr
✓ Bona fide when paired with HDHP
EAP / Wellness Program
$/mo
✓ Bona fide (DOL-approved EAP)
Critical Illness / Hospital Indemnity
$/mo
✓ Bona fide supplemental insurance
401(k) / Retirement Match
%
✗ NOT countable toward SCA H&W fringe
Supplemental / Voluntary Plans
$/mo
✓ Bona fide if employer-paid
Telehealth / Virtual Care
$/mo
✓ Bona fide standalone telehealth
Total bona fide PEPM (employer cost)$0.00
H&W obligation PEPM (based on hours)$0.00
401(k) match cost (not countable)$0.00
Coverage gap / surplus per EE/month$0.00
ℹSCA H&W fringe is owed for ALL covered hours regardless of whether the employee enrolls in benefits. Enrollment rates affect actual plan premium cost, but the obligation exists even for non-enrollees — must be paid as cash wages to non-enrollees.
Full-Time Employee Enrollment
0%80%100%
0%75%100%
Part-Time Employee Enrollment
0%35%100%
0%25%100%
Eligibility & Waiting Period
%
EEs
$
★Cornerstone SCA's bona fide plan fully satisfies the SCA H&W obligation — enabling contractors to redirect cash wage dollars saved back into margin or competitive pricing.
$/mo
$/mo
$
30%75%95%
✓ ACA MEC-compliant coverage
✓ Telehealth / virtual care
✓ Preventive care services
✓ Prescription drug access
✓ DOL audit-ready documentation
✓ WD change monitoring
✓ Successor contract compliance
✓ Employee HR support line
✓ Multi-location WD tracking
✓ FT & PT plan options
💡FICA Savings: Bona fide benefit premiums are pre-tax and exempt from FICA. For cash H&W delivery, employers pay 7.65% FICA on top of the fringe amount. Cornerstone eliminates this hidden cost.
Paid Leave & Time Off
days
days
days
days
ℹPaid leave costs are included in the payroll burden section as a % of wages. Vacation and holiday pay do NOT count toward SCA H&W fringe under DOL rules.
Allowances & Supplemental Costs
$
$
$
$/mo
$
$
Payroll Taxes & Employer Burden
Federal, state & local taxes, workers' comp, leave accrual, and overtime — with wage-base capping
ℹFICA applies to cash wages + any cash H&W payments. Bona fide benefits (like Cornerstone) are FICA-exempt — a key financial advantage of proper H&W plan delivery.
%
%
$
%
%
$
%
$
%
$
%
%
$/mo
$
ℹSome states (CA, NY, WA, CO, MA, CT, OR, NJ) have mandatory PFML or SDI programs. Enter the employer-side rate only. Employee deductions are not included in employer cost.
Workers' Compensation
%
0.501.002.00
Leave Accrual Costs (as % of Base Wages)
%
%
%
%
ℹLeave accrual % is calculated as: (days of leave × 8 hrs) ÷ annual work hours. Example: 10 vacation days ÷ 260 work days = 3.85%. These represent cost of non-productive paid time.
ℹFLSA overtime (1.5× regular rate) applies alongside SCA. The SCA wage is the minimum floor — OT is calculated on the actual wage paid including H&W cash equivalents, which may exceed the WD rate.
Overtime
EEs
hrs
Shift Differentials
%
EEs
%
EEs
Special Pay Premiums
%
EEs
$
EEs
SCA Compliance & Administrative Costs
Internal burden, external costs, recordkeeping, and DOL audit risk reserve
Internal Compliance Staffing
$
staff
5%25%100%
$/hr
Time-Based Administrative Overhead
hrs
hrs
hrs
hrs
hrs/yr
hrs/yr
External & Third-Party Costs
$
$
$
$
$
$
DOL Audit Risk Reserve
1%5%30%
$
$
$
Estimated Annual SCA Total Labor Cost
$0
Wages + H&W fringe + payroll taxes + compliance
Base Wages
$0
H&W Fringe
$0
Payroll Burden
$0
Compliance
$0
Compliance Risk Assessment
—
Risk Score—
Annual Savings with Cornerstone SCA
$0
vs. current H&W delivery method
⚠
Wages & Hours
FT Base Wages$0
PT Base Wages$0
Overtime Premium$0
Shift & Special Premiums$0
Total Wage Cost$0
Health & Welfare Fringe
H&W Obligation (total hrs)$0
Current Plan Cost Delivered$0
H&W Gap (unfunded)$0
401(k) Match (non-SCA)$0
Other Fringe & Allowances$0
Total Fringe Cost$0
Payroll Taxes & Burden
FICA (SS + Medicare)$0
FUTA (Federal Unemployment)$0
SUTA (State Unemployment)$0
State / Local Taxes & SDI$0
Workers' Compensation$0
Leave Accrual Cost$0
Total Tax & Burden$0
Compliance & Admin
In-House SCA Staff Cost$0
Time-Based Admin Overhead$0
External / Software Costs$0
DOL Audit Risk Reserve$0
Total Compliance Cost$0
Total Annual SCA Labor Cost
$0
With Cornerstone SCA — Cost Comparison
Cornerstone Plan (FT + PT)$0
Cornerstone Admin Fee$0
Reduced In-House Compliance$0
FICA Savings (pre-tax benefit)$0
H&W Cash Wage Savings$0
Net Annual Savings
$0
SCA Cost % of Contract
0%
Effective Fully-Loaded Rate
$0/hr
H&W Obligation Annual
$0
H&W Coverage Gap
$0
FT Annual Hours
0
PT Annual Hours
0
SCA Compliance Checklist ▼
- ○Current Wage Determinations posted at each performance site
- ○H&W fringe fully funded (no gap) for all covered hours
- ○SCA clause (FAR 52.222-41) flowed down to subcontractors
- ○Successor contractor obligations reviewed & documented
- ○Employee notice of SCA rights posted and distributed
- ○Annual WD update / escalation process in place
- ○Payroll records retained for 3 years (5 years recommended)
- ○CBA (Collective Bargaining Agreement) assessed for applicability
- ○Part-time H&W fringe calculated correctly (prorated hours)
- ○Multi-location WD differences tracked separately per site
Get Your Custom Cornerstone SCA Quote
Cornerstone SCA provides a no-cost analysis tailored to your contracts, WDs, workforce mix, and multi-location structure.
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Estimates only — for planning and bid preparation purposes. Actual SCA obligations are governed by Wage Determinations issued by the U.S. Department of Labor, applicable Collective Bargaining Agreements, and contract terms. Consult Cornerstone SCA or qualified labor counsel for compliance guidance. SCA H&W rate reflects 2025 DOL fringe benefit determination ($4.98/hr all hours paid). FICA wage base updated for 2025 ($176,100).
Powered by Cornerstone SCA
Service Contract Act Calculator
Know Your SCA Costs
Before You Bid
Estimate wages, fringe benefits, compliance burden, and potential savings with Cornerstone SCA's managed health & welfare plan — built for prime and sub-contractors.
Contract Information
Basic contract parameters and structure
$
20 hrs
40 hrs
60 hrs
Health & Welfare Fringe Benefits
SCA H&W obligation and current delivery method
The 2024–2025 SCA H&W fringe benefit rate is $4.98/hour for all hours paid (or $4.41/hr for hours worked only). You must pay this amount in cash wages, bona fide benefits, or a combination.
$
30%
75%
100%
Payroll, Taxes & Compliance Costs
Employer burden and SCA administrative overhead
%
%
%
%
%
$
5%25%100%
$
hrs/mo
$
hrs
%
Cornerstone SCA Plan Parameters
Adjust to reflect your Cornerstone SCA proposal
Cornerstone SCA's bona fide health & welfare plan fully satisfies the SCA H&W fringe obligation — allowing contractors to redirect cash wage dollars saved back into margin or pricing.
$
$
30%70%95%
Estimated Annual SCA Labor Cost
$0
Total employer cost (wages + fringe + burden)
Base Wages
$0
H&W Fringe
$0
Payroll Burden
$0
Compliance Cost
$0
Compliance Risk Assessment
—
Annual Cost Breakdown
SCA Base Wages
$0
H&W Fringe Obligation
$0
Current H&W Cost Delivered
$0
Payroll Taxes & Burden
$0
Overtime Premium Cost
$0
Compliance / Admin Cost
$0
Total Annual SCA Labor Cost
$0
With Cornerstone SCA
Cornerstone Plan Cost
$0
Cornerstone Admin Fee
$0
Reduced In-House Compliance
$0
H&W Cash Wage Savings
$0
Net Annual Savings
$0
SCA Cost as % of Contract
0%
Effective Hourly Rate
$0
H&W Obligation (Annual)
$0
H&W Gap / Surplus
$0
SCA Compliance Checklist ▼
- Current Wage Determination posted at job site
- H&W fringe obligation fully funded
- SCA clause (FAR 52.222-41) in all subcontracts
- Successor contractor obligations reviewed
- Employee Notice required by SCA posted
- WD annual update process in place
- Recordkeeping (3-year retention) established
- Collective Bargaining Agreement assessed
Ready for Your Custom Quote?
Cornerstone SCA's team can provide a detailed analysis tailored to your specific contracts, WDs, and workforce — at no cost.
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