I have a client who provides both SIMPLE IRA and Healthcare plans. QBO deducts the Healthcare deduction from gross payroll before calculating the percentage of employee contribution and employer matching contribution. EXAMPLE Employee earns $10,000 per pay cycle. Contributes 3% to retirement and $300 to the healthcare plan. QBO incorrectly calculates the retirement contribution and matching employer contribution as $10,000 - 300 = $9,700 * 3% = $291 It should be $10,000 * 3% = $300 That $9 difference becomes $9 2 12 = $168 per year, NOT added to retirement. Or, $84 per year that the employee NEVER receives from the employer.