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Employer Solutions
At Connect The Dots Solutions, we improve the financial health of organizations and the people inside them. We reduce expenses through trusted optimization partners and provide employees with financial wellness resources that create better focus, retention, and long-term stability. Our Employer Solutions fall within 4 areas: Employer Benefit Options, Employee Financial Wellness, Solar Solutions, and Community Fundraising.
Employer Benefit Options & Payroll Tax Reduction
Through IRS Section 125 compliant benefit structures, we help employers reduce payroll taxes while expanding access to valuable employee benefits, at no cost to employees.
This may include:
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Avg. $500/year savings per eligible employee
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Increased employee take-home pay
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Additional voluntary benefits for healthcare coverage
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Financial wellness tools and education
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No-Cost Employee Debt &
Financial Wellness
An employer-sponsored benefit designed to help employees legally reduce personal debt payments and balances by 40–60% through a structured 12–48 month program.
Financial Impact:
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Free, confidential consultation for all employees
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Creates immediate positive cash flow for participants
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Financial education for long-term stability
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No cost to the employer or employee
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Community-Powered
Classroom Fundraising
A sustainable, year-round fundraising model that generates support every time families make local purchases, at no cost to the organization, school district, or individuals.
Solution Impact:
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Continuous funding stream, not just one-time events
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Instant cash-back savings for supporters
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Free, user-friendly app — no paperwork required
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No disruption to daily school operations
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Zero-Investment Solar Solutions
for Long-Term Savings
Our solar program installs solar systems and EV chargers at no cost, delivering immediate and long-term financial benefits and generating new revenue through shared energy profits.
Value Delivered:
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Reduces or eliminates electricity bills
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First 30 days of electricity stored for backup power
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Excess energy sold back with a 50/50 profit split
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No upfront investment required
Section 125 Payroll Tax Reduction Strategy
Why You May Not Have Heard of This Strategy
This strategy sits in a space that is often overlooked because it connects several different areas of an organization.
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Brokers manage insurance.
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CPAs manage taxes.
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Payroll companies manage payroll.
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This strategy sits between all three.
That is one reason many employers and school districts may not have had the opportunity to explore it.
Rather than replacing an existing health plan or broker relationship, this approach is designed to work alongside the benefits structure already in place.
Is This Legit?
The strategy is structured around IRS Sections 125 and 105(b) and is designed to operate within applicable IRS and ERISA guidelines.
A properly structured program may include:
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pre-tax benefit elections
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payroll-integrated deductions
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no tax-free cash payouts
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no reimbursement of pre-tax premiums
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no artificial claims or participation incentives
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benefits delivered within an established compliance framework
Because each organization is different, the specific structure should always be reviewed based on eligibility, payroll, participation, and program requirements.
How the Savings Work
The savings are created through the way eligible pre-tax benefit elections are processed through payroll.
Depending on eligibility, payroll structure, and employee participation, employers may realize approximately $500 in annual payroll tax savings per eligible employee.
For example:
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100 eligible employees may represent approximately $50,000 in annual payroll tax savings
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500 eligible employees may represent approximately $250,000
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1,000 eligible employees may represent approximately $500,000
Those savings may help support a supplemental employee benefits package that can include accident, hospital, critical illness, life, disability, telehealth, mental health, prescription support, and other benefits.
Actual savings and available benefits vary by organization and participation.
Explore Your Potential Savings
Want to see what the numbers could look like for your organization?
Use our solution partner’s savings calculator to estimate your potential opportunity.
Still Have Questions?
It is normal to have questions about how the strategy works, how it fits with your current benefits, and what compliance requirements apply. Need more information? View our FAQs.
How
We Work
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Assessment – We begin with a structured review of your organization’s goals, current costs, and challenges.
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Evaluation – We identify applicable solutions and estimate potential impact.
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Connection – We coordinate next steps with appropriate service partners.
