There’s a smarter way to deliver benefits. We help growing companies tap into overlooked IRS-approved structures that return cash to the business and its employees. No plan changes, no upfront costs—just intelligent execution.
See how much you business is leaving on the table.
Most businesses are unknowingly throwing away up to $500,000 over the next few years—all because they haven’t implemented a properly structured pre-tax benefits plan. This isn’t a theory. It’s IRS-backed strategy, used by nearly every Fortune 500 company—yet ignored by over 95% of small and mid-sized businesses. Top Level makes it turnkey.
No extra admin. No change to your current health plan. Just more take-home pay for employees and a massive tax savings for your business.
At Top Level, we’ve seen it firsthand. Businesses using our strategy have a major edge. By reducing tax waste, they unlock more profit, more ad spend, and more flexibility to scale. If your competitors are using pre-tax benefits plans and you’re not — they’re running leaner, smarter, and more efficiently.
Don’t let them outgrow you just because they implemented first.
Every month you delay is money you lose.
Save an average of $1097 per employee per year in payroll taxes. That’s over $100,000/year for just 150 employees — without cutting pay or benefits.
Your team gets an average $100/month increase in take-home pay — without any change to your existing health plan. It’s a raise funded by smarter tax handling.
No upfront cost. We handle 98% of the implementation, including onboarding, education, and compliance. All your team does is provide payroll data — and start saving.
At Top Level Plans, we simplify complex tax strategies so growing businesses can thrive with more cash, less waste, and smarter benefits.
Every dollar saved goes straight back to your bottom line. Our clients save an average of $617/month per employee — with no added overhead.
We handle 98% of the implementation, with no changes to your existing benefits. Your employees stay focused, and your HR team stays sane.
Whether you have 25 or 1,500 employees, our strategy unlocks six- or seven-figure savings—without raising payroll costs.
We make implementing your 125 Plan simple — from discovery to employee onboarding. You stay focused on your business while we unlock hidden profit in your payroll.
A free strategy session where we assess your payroll and benefit deductions to see if you qualify.
We calculate real savings per employee and show how much your business is overpaying.
We quickly set up and file your IRS-compliant plan and coordinate to activate the savings.
Our pre-tax payroll strategies don’t just reduce waste — they unlock new possibilities. Here’s how smart businesses reinvest their savings to grow faster and operate stronger.
Use newfound margin to reach more customers and scale your marketing by quickly boosting your available spending budgets.
Use your unlocked tax savings to accelerate debt reduction, lower interest obligations, improve cash flow, & scale with freedom.
Every dollar saved on taxes drops to the bottom line — driving EBITDA growth and boosting your business valuation.
Act before they do — turn hidden tax savings into real business momentum while your competitors keep overpaying.
Discover how Solarion revolutionizes green energy solutions with cutting-edge solar technology. These projects highlight our commitment to sustainability, cost-effectiveness, and customer satisfaction in the renewable energy sector.
In Arizona, Top Level collaborated with a real estate giant to integrate cutting-edge tax plan implementation. This project brought sustainable power to residential communities, reducing emissions and costs while enhancing energy efficiency.
In Berlin, Solarion partnered with a leading manufacturer to power their production lines using renewable solar energy. The result was a reduction in operational costs and a significant boost in energy independence.
In Sydney, Solarion equipped a modern apartment complex with a self-sustaining solar energy system. This innovative solution improved living standards while significantly cutting energy costs for residents.
Here’s what homeowners, businesses, and community leaders are saying about us.
Take the first step to seeing if you qualify for our pre-tax benefits plan that creates a compounding savings structure into your business. Our experts are here to help.
Every month you wait could mean thousands in missed savings for your business and your employees. These answers will walk you through how to implement this zero net cost, IRS-compliant plan quickly and without disruption. If you qualify, you can be up and running in as little as 15 days.
Any U.S.-based employer with 25+ W-2 employees who offers health benefits can qualify. Industries like healthcare, manufacturing, hospitality, education, and professional services often see exceptional results.
Once your eligibility is confirmed, most plans can be set up and running within 15–45 days, with employee savings showing in the very next pay cycle.
Many payroll teams aren’t aware of this strategy. We work directly with them (or recommend a provider who can handle it) to ensure seamless integration.
Yes. The structure is based on IRS Section 125 guidelines, which have been in place for decades. Our providers ensure your plan is compliant, documented, and audit-ready.
No. We typically work within your existing benefit setup. The strategy adjusts how certain benefits are handled in payroll, not who provides them. This keeps your current health plan, providers, and coverages intact while unlocking new tax savings.
It’s an IRS-approved payroll and benefits structure that lets you legally reduce payroll taxes while giving employees an immediate boost in take-home pay — without changing your health plan or cutting benefits. Fortune 500 companies have used this for decades, but most small and mid-sized businesses haven’t implemented it.
No. This is a zero net cost program — meaning the savings generated more than cover the implementation. You’ll see positive cash flow from the very first payroll after launch.
Yes. To qualify, your business must offer a major medical health insurance plan to W-2 employees. This structure works within your existing benefits, so no new plan is required — but coverage must be in place.
