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June 1, 2026
Product Update
Section 125 Compliance Documents
Protect Your Business. Reduce Tax Risk. Stay Compliant.
A properly documented Section 125 Plan is essential for any small business offering pre-tax employee benefits. Without it, you may be exposed to unnecessary taxes, penalties, and audit risk.
When your payroll provider manages your Section 125 documentation, compliance becomes simple, automated, and far more secure.
3. Seamless Payroll Integration & Fewer Errors
What's Included
One of the most serious risks for small employers is an IRS audit discovering missing or incomplete Section 125 plan documents.
Without proper documentation:
- Pre-tax benefit deductions can be disallowed
- Employers may be liable for back taxes and penalties
- Employee benefits may become fully taxable retroactively
With compliant documentation in place—and especially when maintained through your payroll provider—you have a clear, organized compliance record that helps protect your business in the event of an audit.
1. Audit Protection & Reduced IRS Risk
A Section 125 plan allows employees to pay for eligible benefits using pre-tax dollars. But this tax advantage only applies if your plan is properly documented.
Without valid plan documents:
- Pre-tax deductions may be reclassified as taxable income
- Employers may owe back payroll taxes
- Penalties and interest can accumulate quickly
Proper documentation ensures your tax savings remain legitimate and protected.
2. Avoid Unexpected Tax Liability
When your payroll company handles Section 125 documentation, everything works together:
- Plan rules are automatically aligned with payroll deductions
- Employee benefit elections are correctly applied
- Administrative errors and manual tracking are minimized
This reduces time spent on HR administration while improving accuracy and compliance consistency.
4. Lower Cost Than DIY Compliance or Legal Fixes
Handling Section 125 compliance without structured documentation can become expensive if issues arise later.
Potential costs of non-compliance include:
- Attorney and benefits consultant fees
- Payroll corrections and amended filings
- IRS penalties and resolution costs
By contrast, payroll providers that include compliant Section 125 documentation help you avoid these costs upfront—often at a fraction of the price of fixing problems later.
Section 125 plan documentation is not optional paperwork- it's critical compliance safeguard.
Why Section 125 Plan Documentation Matters to YOU
Section 125 Plan Documentation
Structured plan materials outlining eligibility, benefit options, and employee participation rules.
Business Solutions
Add the right product at the right time to support your businesses changing needs.
Designed For Small Businesses
We only partner with services designed to support your business. Our suite of offerings lets you add what you want, when you need it. From HR support to Time Clocks and automatic Labor Law Poster updates, we've got you covered.
A Section 125 Plan document ensures you're covered.
A cafeteria plan, also known as Section 125, enables most businesses that provide employee benefits to provide them pre-tax. That means tax savings for both your employees and your business.
Plus, with a plan document in place, you are protected from unwanted tax liabilities and penalties. The document automatically updates when there are changes to the law, keeping you 100% compliant.
Protection under $35 a month
Automatic Updates
Easy Setup & Support
Included Plan Updates & Ongoing Testing
Plan document updates and changes are covered within your fee, with discrimination testing performed as needed to support ongoing compliance.
Employee Election Records
Clear documentation of employee benefit selections made on a pre-tax basis.
Annual & Ongoing Compliance Tracking Support
Helps ensure documentation stays current as employee elections or benefit offerings change.
Audit Ready Documentation Access
Centralized storage of all Section 125-related documents for easy retrieval when needed.
What information do I need to complete the form?
- ConnectPay Client ID Number
- FEIN Number
- Medical Plan Benefits Information
- Start Date
- Employee Election Information
- Types of Pre-tax Benefits
- Digital copy of your most recent benefits invoice or contribution statement from each of your eligible insurance carriers.
July 21, 2026
Office Spotlight
Stop by our South Carolina office in Myrtle Beach and you'll be greeted with a warm smile and friendly faces.
Danny Barnhill, started his successful payroll company, PaySouth, in 1997. He and the rest of the Myrtle Beach team joined forces with ConnectPay in April of 2026. As a small business owner for 37 years — 29 of those being in payroll — Danny has been a big part of the Myrtle Beach community. That's just one of the reasons we're so happy to have him on board — that strong local presence is what keeps ConnectPay's service top notch.
Spend an afternoon with the team!
Our lovely office manager Tina, along with payroll specialists Kathy and Bill, truly embody the meaning of Southern hospitality, and they bring that warmth to their work every day. This team of four has 90 years of payroll experience combined! They put their heads together to recommend a few neighborhood spots for a great lunch or a leisurely afternoon in the area. Both Maryland Fried Chicken and Quagliata Brothers Italian Deli are office favorites — and they also happen to be valued clients of ours!
If your car needs a little love, you can drop your car off at Auto Village Center, a wonderful family owned business that has been serving the community for 30 years, and a tune up while you grab lunch!
Afterward, you can do a little shopping at the Tanger Outlets and walk around Barefoot Landing. While you're there, be sure to grab a cool sweet treat to enjoy on the beach. Did we mention that Ricarridis Italian Ice is one of our sweetest clients in the area? Put us down for a mango-strawberry combo please!
We hope you enjoyed this little tour of Myrtle Beach and look forward to sharing local favorites from our other offices too! Learn more about this office here!
Protect Your Business. Reduce Tax Risk. Stay Compliant.
A properly documented Section 125 Plan is essential for any small business offering pre-tax employee benefits. Without it, you may be exposed to unnecessary taxes, penalties, and audit risk.
When your payroll provider manages your Section 125 documentation, compliance becomes simple, automated, and far more secure.
A cafeteria plan, also known as Section 125, enables most businesses that provide employee benefits to provide them pre-tax. That means tax savings for both your employees and your business.
Plus, with a plan document in place, you are protected from unwanted tax liabilities and penalties. The document automatically updates when there are changes to the law, keeping you 100% compliant.
July 21, 2026
Product Update
HR Resource Center
HR Expertise. Compliance Confidence. All in One Place.
Managing HR doesn't have to mean navigating complex employment laws on your own. The HR Resource Center gives you 24/7 access to expert guidance, compliance tools, training resources, and customizable HR documents to help you stay compliant, reduce risk, and confidently support your employees.
An HR Department for Your Small Business.
An all in one Human Resources solution:
- HR Apps
- 24/7 Client Self-Service Portal
- Employee Handbook Builder
- Compliance Tools
- Learning Management System
- State Updates
- and much more!
What's Included
HR Hotline
Get answers from experienced HR professionals when employee questions arise.
Employee Handbook Builder
Create and maintain a customized employee handbook with confidence.
Compliance Tools
Stay current with employment laws, required posters, and HR best practices.
HR Templates
Access ready-to-use job descriptions, policies, performance reviews, and more.
Employee Training
Assign on-demand courses covering HR, safety, compliance, and leadership.
Searchable Resource Library
Find HR articles, forms, guides, newsletters, and FAQs in seconds.
- Cybersecurity
- Workplace Harassment Prevention
- OSHA & Workplace Safety
- Leadership Development
- Hiring & Interviewing
- HIPAA
- Customer Service
- Diversity & Inclusion
- and many more
Did You Know?
The HR Resource Center includes hundreds of on-demand training courses covering topics like:
Compliance Made Easy
Workplace Harassment Prevention training meets state requirements in California, Connecticut, Delaware, Illinois, Maine, New York, Washington, and Virginia.
New managers? Assign leadership and harassment prevention courses through the Learning Management System to help set them up for success.
New managers? Assign leadership and harassment prevention courses through the Learning Management System to help set them up for success.
💡Pro Tip:
HR Expertise. Compliance Confidence. All in One Place.
Managing HR doesn't have to mean navigating complex employment laws on your own. The HR Resource Center gives you 24/7 access to expert guidance, compliance tools, training resources, and customizable HR documents to help you stay compliant, reduce risk, and confidently support your employees.
June 20, 2026
People Spotlight
David Carreno,
If you ever get a phone call from David Carreno, our Compliance Coach, you can look forward to a warm, genuinely helpful conversation.
As a former small business owner himself, David knows firsthand that running a company means wearing a dozen different hats—and that compliance isn't always top of mind when you're focused on daily operations.
"I understand many of the challenges business owners face," David says. "It allows me to connect with our clients and help them navigate compliance requirements with empathy and practical insight. It's rewarding to help fellow business owners avoid blind spots so they can stay focused on growing."
Shedding Light on the Hidden Gaps
In his day-to-day role, David reaches out to ConnectPay clients to help identify areas where small businesses might be exposed to unnecessary risks. He educates owners on tools that can bolster their payroll and tax compliance—ranging from timeclocks and 401(k) integrations to HR resource software.
One of the most common blind spots he encounters? Section 125 compliance documents.
"Many clients don’t know they need formal documentation to ensure that taking money out of payroll pre-tax for healthcare is legal and fair to all employees," David explains. Without the proper documents, businesses can face steep penalties. Fortunately, David is an expert at walking clients through these complexities and connecting them with ConnectPay's affordable, constantly updated solutions.
A Lifelong Learner with a Big Heart
David describes himself as a lifelong student, a trait reflected in the multiple degrees and educational achievements he has earned over the years. That passion for continuous learning is exactly what makes him such a fantastic educator for our clients.
When he isn’t diving into compliance regulations, David and his wife dedicate their time to an incredibly meaningful life mission: serving as foster parents. "Serving foster children is one of our biggest passions," David shares. "It has been an incredibly rewarding experience for our family."
He is also a major coffee enthusiast. Not only does he roast his own beans, but he also proudly claims to make the "world's best cup of coffee"—a title he defends with a nod to the movie Elf. When he isn't brewing a perfect cup, you can usually find him out on the disc golf course.
Meet
Your Partner in Compliance
Why He Loves ConnectPay
For David, the best part of his job comes down to the culture. "The people here are genuinely kind, supportive, and authentic," he says. "I've never worked anywhere quite like it, and I'm grateful to be part of such a great team."
The feeling is entirely mutual. David's dedication, unique background, and kind nature make him an invaluable asset to the ConnectPay family and the businesses we serve.
David
Carreno,
If you ever get a phone call from David Carreno, our Compliance Coach, you can look forward to a warm, genuinely helpful conversation.
As a former small business owner himself, David knows firsthand that running a company means wearing a dozen different hats—and that compliance isn't always top of mind when you're focused on daily operations.
"I understand many of the challenges business owners face," David says. "It allows me to connect with our clients and help them navigate compliance requirements with empathy and practical insight. It's rewarding to help fellow business owners avoid blind spots so they can stay focused on growing."
Shedding Light on the Hidden Gaps
In his day-to-day role, David reaches out to ConnectPay clients to help identify areas where small businesses might be exposed to unnecessary risks. He educates owners on tools that can bolster their payroll and tax compliance—ranging from timeclocks and 401(k) integrations to HR resource software.
One of the most common blind spots he encounters? Section 125 Compliance Documents.
"Many clients don’t know they need formal documentation to ensure that taking money out of payroll pre-tax for healthcare is legal and fair to all employees," David explains. Without the proper documents, businesses can face steep penalties. Fortunately, David is an expert at walking clients through these complexities and connecting them with ConnectPay's affordable, constantly updated solutions.
A Lifelong Learner with a Big Heart
David describes himself as a lifelong student, a trait reflected in the multiple degrees and educational achievements he has earned over the years. That passion for continuous learning is exactly what makes him such a fantastic educator for our clients.
When he isn’t diving into compliance regulations, David and his wife dedicate their time to an incredibly meaningful life mission: serving as foster parents. "Serving foster children is one of our biggest passions," David shares. "It has been an incredibly rewarding experience for our family."
He is also a major coffee enthusiast. Not only does he roast his own beans, but he also proudly claims to make the "world's best cup of coffee"—a title he defends with a nod to the movie Elf. When he isn't brewing a perfect cup, you can usually find him out on the disc golf course.
Why He Loves ConnectPay
For David, the best part of his job comes down to the culture. "The people here are genuinely kind, supportive, and authentic," he says. "I've never worked anywhere quite like it, and I'm grateful to be part of such a great team."
The feeling is entirely mutual. David's dedication, unique background, and kind nature make him an invaluable asset to the ConnectPay family and the businesses we serve.
Stop by our South Carolina office in Myrtle Beach and you'll be greeted with a warm smile and friendly faces.
Danny Barnhill, started his payroll company, PaySouth, in 1997. He and the rest of the Myrtle Beach team joined forces with ConnectPay in April of 2026! As a small business owner for 37 years — 29 of those being payroll — Danny has been a big part of the Myrtle Beach communit.. That's just one of the reasons we're so happy to have him on board — that strong local presence is what keeps ConnectPay's service top notch.
Spend an afternoon with the team!
Our lovely office manager Tina, along with payroll specialists Kathy and Bill, truly embody the meaning of Southern hospitality, and they bring that warmth to their work every day. This team of four has 90 years of payroll experience combined! They put their heads together to recommend a few neighborhood spots for a great lunch or a leisurely afternoon in the area. Both Maryland Fried Chicken and Quagliata Brothers Italian Deli are office favorites — and they also happen to be valued clients of ours!
If your car needs a little love, you can drop your car off at Auto Village Center, a wonderful family owned business that has been serving the community for 30 years, and a tune up while you grab lunch!
Afterward, you can do a little shopping at the Tanger Outlets and walk around Barefoot Landing. While you're there, be sure to grab a cool sweet treat to enjoy on the beach. Did we mention that Ricarridis Italian Ice is one of our sweetest clients in the area? Put us down for a mango-strawberry combo please!
We hope you enjoyed this little tour of Myrtle Beach and look forward to sharing local favorite from our other offices too! Learn more about this office here!
What's Included
Automatic Poster Updates
Never worry about changing labor laws. Receive updated labor law posters automatically whenever federal or state posting requirements change.
Digital Labor Law Posters
Provide remote and hybrid employees with convenient digital access to required labor law postings anytime, anywhere.
Federal & State Coverage
Display the required federal and state labor law notices in one easy-to-read poster designed to help keep your workplace compliant.
Industry-Specific Solutions
Choose labor law posters tailored to your business, including healthcare, construction, retail, hospitality, and more.
Compliance Protection Guarantee
Gain added peace of mind with a $25,000 Compliance Protection Guarantee when your poster is registered and maintained through Poster Elite.
Compliance Resources
Stay informed with labor law updates, compliance alerts, and helpful HR resources that keep you ahead of changing regulations.
Many businesses assume labor law posters only need to be replaced every few years—but that's not the case.
Federal, state, and even local labor law requirements can change at any time. If your poster is outdated, your business could face costly fines and penalties during an audit.
Poster Elite takes the guesswork out of compliance by automatically sending updated posters whenever required.
August 18, 2026
New Product:
On-Demand Payroll Funding
Payro Finance
Bridge Your Cash Flow Gaps
Cash flow timing doesn't always align with your payroll schedule. Whether due to delayed customer payments or seasonal slowdowns, Payro Finance provides a specialized line of credit through ConnectPay to ensure your team is always paid on time.
, 2026
Product Update
Poster Elite
Compliance You Can Count On.
Staying compliant with changing labor law posting requirements doesn't have to be another item on your to-do list. Poster Elite provides up-to-date federal and state labor law posters, automatic replacement updates, digital posting solutions, and compliance protection so you can focus on running your business with confidence.
Labor law posting requirements can change several times each year. Missing even one required update could leave your business vulnerable during a labor audit or workplace complaint. Automatic replacement posters help ensure you're always displaying the latest required notices.
New managers? Assign leadership and harassment prevention courses through the Learning Management System to help set them up for success.
💡Pro Tip:
HR Expertise. Compliance Confidence. All in One Place.
Managing HR doesn't have to mean navigating complex employment laws on your own. The HR Resource Center gives you 24/7 access to expert guidance, compliance tools, training resources, and customizable HR documents to help you stay compliant, reduce risk, and confidently support your employees.
Product Highlights
Zero Cost to Apply
Establish your backup plan today with no application fees.
Interest-Free Standby
You only pay interest when you actually use the funds.
Payroll Specific
Funds are dedicated to covering current payroll needs, not long-term debt.
Proactive Protection
Secure your line of credit before a cash flow crunch occurs.
Seamless Integration
Available directly as a resource for ConnectPay clients.
Payro gives approved businesses access to funds designed specifically for covering current payroll. It acts as a proactive backup plan that you can establish before a cash flow crunch occurs. You only pay interest when you utilize the credit line, preserving your working capital for other business needs.
How It Works
Interested in learning more about Payro Finance? Contact your ConnectPay Payroll Specialist to find out if payroll funding may be a good fit for your business.
Payro financing is subject to approval and applicable terms and conditions. Funding is available for current payrolls only. Businesses should review all financing terms, costs and eligibility requirements before applying.
Payro gives approved businesses access to funds designed specifically for covering current payroll. It acts as a proactive backup plan that you can establish before a cash flow crunch occurs. You only pay interest when you utilize the credit line, preserving your working capital for other business needs.
Interested in learning more about Payro Finance? Contact your ConnectPay Payroll Specialist to find out if payroll funding may be a good fit for your business.
What's Included
Many businesses assume labor law posters only need to be replaced every few years—but that's not the case.
Federal, state, and even local labor law requirements can change at any time. If your poster is outdated, your business could face costly fines and penalties during an audit.
Poster Elite takes the guesswork out of compliance by automatically sending updated posters whenever required.
October 13, 2026
People Spotlight
For Chris Conry, ConnectPay’s CISO, navigating the fast-paced world of cybersecurity requires the same focus, adaptiveness, and precision he relies on when stepping up to a tee box on the golf course. Whether he’s mapping out long-term strategy or unwinding on the green—most recently on a bucket-list trip to the golf mecca of Scotland—Chris brings an engaging, hands-on approach to everything he does.
A Dynamic Day-in-the-Life
Chris loves that no two days look the same. His schedule moves between setting high-level security strategy and getting hands-on to build the tools and dashboards that power ConnectPay’s security program. Much like keeping up with his energetic border collie, Chesney, his daily work keeps him on his toes as he collaborates across IT, product, marketing, operations, and finance to make the company measurably safer.
Security as a Business Enabler
With a career background in CISO and CIO roles across tech companies, Chris believes security must enable the business, not block it. Instead of managing risk through static spreadsheets, Chris built a centralized internal operating platform to manage risk and compliance. As an AI-augmented builder, he uses AI tools to design faster—applying the same strict governance guardrails he sets for the company. It’s a "practice what you preach" mindset shaped by thoughtfulness and early collaboration.
Mission, Builder Culture, and Family
What keeps Chris energized at ConnectPay is the builder culture and the core mission: helping small and mid-sized businesses get people paid accurately and on time. That strong sense of purpose extends closely to his personal life. Chris and his wife, Wendy, are deeply devoted to their growing family, which includes four adult children, three grandchildren under three, and an upcoming family wedding next June.
At ConnectPay, Chris continues to build solutions that protect our clients while helping the business move faster—proving that with the right strategy, security and innovation go hand in hand. That's why we are so happy to have him on our team!
Stop by our South Carolina office in Myrtle Beach and you'll be greeted with a warm smile and friendly faces.
Danny Barnhill, started his payroll company, PaySouth, in 1997. He and the rest of the Myrtle Beach team joined forces with ConnectPay in April of 2026! As a small business owner for 37 years — 29 of those being payroll — Danny has been a big part of the Myrtle Beach communit.. That's just one of the reasons we're so happy to have him on board — that strong local presence is what keeps ConnectPay's service top notch.
Spend an afternoon with the team!
Our lovely office manager Tina, along with payroll specialists Kathy and Bill, truly embody the meaning of Southern hospitality, and they bring that warmth to their work every day. This team of four has 90 years of payroll experience combined! They put their heads together to recommend a few neighborhood spots for a great lunch or a leisurely afternoon in the area. Both Maryland Fried Chicken and Quagliata Brothers Italian Deli are office favorites — and they also happen to be valued clients of ours!
If your car needs a little love, you can drop your car off at Auto Village Center, a wonderful family owned business that has been serving the community for 30 years, and a tune up while you grab lunch!
Afterward, you can do a little shopping at the Tanger Outlets and walk around Barefoot Landing. While you're there, be sure to grab a cool sweet treat to enjoy on the beach. Did we mention that Ricarridis Italian Ice is one of our sweetest clients in the area? Put us down for a mango-strawberry combo please!
We hope you enjoyed this little tour of Myrtle Beach and look forward to sharing local favorite from our other offices too! Learn more about this office here!
Chris Conry: Chief Information Security Officer
