---
title: "SAG-AFTRA Pension, Health & Welfare (P&H) contributions in Wrapbook"
slug: "sag-aftra-pension-health-welfare-p-h-contributions-in-wrapbook"
updated: 2026-07-23T22:20:32Z
published: 2026-07-23T22:20:32Z
canonical: "help.wrapbook.com/sag-aftra-pension-health-welfare-p-h-contributions-in-wrapbook"
---

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

# SAG-AFTRA Pension, Health & Welfare (P&H) contributions in Wrapbook

## Overview

When you pay SAG-AFTRA workers through Wrapbook, **Pension, Health & Welfare (P&H) contributions are calculated and processed within the platform** — you do not need to manage them through a separate external system.

This article explains how SAG-AFTRA P&H contributions work in Wrapbook, how to budget for them, and what to do if a contribution is missing or incorrect.

*For questions about your specific SAG-AFTRA agreement or contribution rates, contact SAG-AFTRA directly.*

## How Wrapbook handles SAG-AFTRA P&H

**P&H contributions are calculated automatically** based on the gross wages for each SAG-AFTRA worker that flows through Wrapbook. You do not need to:

- Calculate P&H manually
- Submit contributions separately to SAG-AFTRA
- Set up a separate external P&H payment process

Wrapbook calculates the contribution, includes it in your payroll run, and remits it to SAG-AFTRA on your behalf.

**Important:** P&H contributions are only calculated on wages that are **processed through Wrapbook**. If any portion of a SAG-AFTRA worker's wages is paid outside of Wrapbook (for example: via an [escrow](/v1/docs/onboarding-sag-aftra-escrows)), P&H will not be calculated on those amounts. In that case, you will need to calculate and remit those contributions independently.

## P&H contribution rate

The standard SAG-AFTRA P&H contribution rate is **approximately 21% of gross wages** (paid by the employer, on top of the worker's gross wages). This is separate from, and in addition to, Wrapbook's standard payroll fringe costs.

**Example budget calculation:**

- Worker gross wages: $10,000
- Standard payroll fringes (Wrapbook platform fee, workers comp, FICA, etc.): ~25–27% depending on state
- SAG-AFTRA P&H: 21% × $10,000 = $2,100
- **Total employer cost: ~$12,500–$12,700 + $2,100 = ~$14,600–$14,800**

**Note:** Contribution rates may vary depending on your SAG-AFTRA agreement type. Refer to your executed agreement for the applicable rate. Use the [Wrapbook Payroll Estimator](https://www.wrapbook.com/tools/payroll-estimator) to estimate total costs for your project.

**P&H applies to Loan-Out workers too:** If a SAG-AFTRA member is paid through a loan-out (S-Corp/C-Corp), P&H contributions are still applicable on the applicable wages. The standard payroll fringe costs are different for loan-outs, but P&H is calculated the same way.

## When are P&H contributions remitted to SAG-AFTRA?

SAG-AFTRA P&H contributions are remitted to the union on a weekly basis. Per Wrapbook's SAG-AFTRA payroll schedule:

- **Tuesday:** Confirm payroll preview by 10PM EST
- **Wednesday:** Funds are received and processed
- **Thursday:** Unions receive their payroll reports (and P&H contributions are remitted)

For contribution deadlines and the full SAG-AFTRA payroll timeline, see [Union PH&W contribution deadlines](/v1/docs/union-phw-contribution-deadlines).

## What to do if P&H is missing or incorrect on a payroll

**If P&H was not applied to a payroll run:**

- Contact [Wrapbook Support](https://help.wrapbook.com/docs/how-to-get-help-using-wrapbook) immediately — do not process additional payroll until the issue is resolved
- Provide the payroll run details and confirm whether the workers are set up as SAG-AFTRA members in Wrapbook
- Common causes: worker was not tagged as SAG-AFTRA when invited to the project; the project was not set up with the correct SAG-AFTRA agreement

**If P&H was applied at the wrong rate:**

- Contact [Wrapbook Support](/v1/docs/how-to-get-help-using-wrapbook) with your SAG-AFTRA agreement documentation
- Wrapbook's Labor Relations team will review your agreement and correct the rate going forward. Prior payrolls with incorrect rates may need to be retroactively corrected.

**If you're seeing P&H on a worker who should not have it:**

- Confirm whether the worker is correctly tagged as a SAG-AFTRA member in Wrapbook
- If the worker was tagged incorrectly, [contact Support](/v1/docs/how-to-get-help-using-wrapbook) to update their status and correct any affected payroll

## Supported SAG-AFTRA agreements

Wrapbook currently supports P&H calculations for productions under the following SAG-AFTRA agreements:

- Ultra Low Budget Agreement (UPA)
- Moderately Low Budget (MPA)
- Low Budget (LBA)
- New Media up to $700K budget
- Netflix Audio Dubbing
- SAG-AFTRA Corporate Education
- SAG-AFTRA Interactive
- SAG-AFTRA Music Videos

Wrapbook does not currently support the *SAG Commercial Agreement* — the specific SAG-AFTRA union contract covering on-screen talent in broadcast and advertising commercials. This limitation applies to that union agreement only; it does not affect crew payroll or non-union talent payments on commercial productions.

If your project requires the SAG Commercial Agreement for on-screen SAG talent, contact [Wrapbook Support](/v1/docs/how-to-get-help-using-wrapbook) before your project start date to discuss alternatives.

## Contact path for SAG-AFTRA payroll questions

| **Question type** | **Contact** |
| --- | --- |
| P&H calculation or remittance issue | [Wrapbook Support](/v1/docs/how-to-get-help-using-wrapbook) |
| Contribution rate questions for your specific agreement | SAG-AFTRA directly: [sagaftra.org](http://sagaftra.org) |
| Wrapbook agreement setup (new SAG project) | Wrapbook Payroll team — contact via your Customer Success Manager or [Support](/v1/docs/how-to-get-help-using-wrapbook) |
| PH&W contribution deadlines | See [Union PH&W contribution deadlines](/v1/docs/union-phw-contribution-deadlines) |

Screen Actors Guild- American Federation of Television and Radio Artists; the union which has jurisdiction over all performers.

The additional employer's cost of hiring labor over and above salary; includes statutory charges such as payroll taxes as well as benefits negotiated under a collective bargaining agreement.

Acronym for Federal Insurance Contributions Act; the employer's and employee's matching contributions to the Social Security Act.

An S Corporation (S-Corp) is a special type of corporate structure that passes corporate income, losses, deductions, and credits through to its shareholders for federal tax purposes.

C Corporation (C-Corp) is a standard corporation structure where the business is taxed separately from its owners. The key difference between C-Corps and S-Corps is in how they are taxed - while S-Corps pass income through to shareholders, C-Corps face separate taxation at the corporate level.