Fun fact: this is already happening due to ERISA, the law governing 401(k) and other retirement plans. The law says, in part, that you have to offer your tax-ad

Fun fact: this is already happening due to ERISA, the law governing 401(k) and other retirement plans. The law says, in part, that you have to offer your tax-advantaged plan to everyone that qualifies as an employee. You do not have to make everyone who contributes to your business in any capacity an employee. Google's 401(k) plan is pretty much the most generous you are allowed to give to employees. They contract out for every non-professional role and keep a sharp distinction between the "help" that cleans and cooks, and the employees that code and do business development etc.