No problem.  Thanks for responding!

Did your original question get answered to your satisfaction?  As was mentioned, do the actual math to see what was done.

It is extremely unusual for the insurance to be NOT pre-tax, so that is likely why H&R Block assumed it was pre-tax.  If it truly is not pre-tax, that is also costing the employer more money.  If you are looking for another business client, you may want to contact that employer to save them some money.   😀