Becoming Elite with Healthcare
Kirk Conole • October 27, 2025
If you could see a ranking of business owners and executives who best control healthcare costs and then designate the “top 1%,” you would have to include Susan, the owner of a retail chain in the Midwest.
Susan is a “one percenter” in controlling healthcare costs for three reasons:
1) She commits to thinking rationally about healthcare.
100% of rational, fact-driven business owners and executives tend not to view healthcare costs with the same rational approach they apply to other significant expenses.
Unlike other expenses, health insurance directly affects employees who are seldom educated adequately on how win/win scenarios can benefit both employee and employer at the same time. Usually, the employee expects the employer to have the best answers but the employer is under-resourced and assumes that a commissioned salesperson, the health insurance broker, will be able to figure it out with input from the HR department. The HR department is motivated to have all employees happy and not complaining. HR is also motivated to show that costs are not escalating dramatically year over year. All brokers want to keep the client and most want to keep the current level of commission – a motivation that too often automatically separates the broker’s interests from the client’s.
“Some owners see a broker the way tribal villagers see the village shaman,” Susan shared with me. “He’s the guy who interprets the dark secrets, and saves the employees who wholly trust him alone to deal with the things they don’t understand. This gives employees a sense of safety and security.” After gaining a full understanding of healthcare costs without the “help” of her previous retail broker, Susan had an interesting way of dealing with that broker. “I threw him off the porch,” she said.
2) She has owner/HR alignment.
Both Susan and her HR department must: a) share an objective understanding of all healthcare cost drivers, and b) master the best alternatives for reducing costs. Their ability to be fully engaged and aligned, which is more than mere agreement, is the second factor that makes Susan a member of the one percent. We aren’t suggesting they must do all of this on their own. They can rely on the truly UNBIASED insight and ongoing support of DCI.
3) Her total cost puts her in the one percent.
The total cost of healthcare is more than just the premium amounts. The true cost of healthcare is:
TOTAL PREMIUMS FOR THE EMPLOYEE ONLY (EMPLOYER & EMPLOYEE SHARE)
PLUS
ALL ADDITIONAL PREMIUMS PAID BY EMPLOYEE OR EMPLOYER TO COVER DEPENDENTS
PLUS
ALL DEDUCTIBLES AND COPAYS PAID BY THE EMPLOYER AND THE EMPLOYEE.
Add up those three component numbers then divide the sum by the total number of employees in your
plan. What do you get?
For companies in the bottom 50% of cost-efficiency, this number will be greater than $12,000 per employee per year (PEPY).
For companies in the top 50%, this number may be closer to $8,000 PEPY.
One percenters like Susan are well under $5,000 PEPY.
If you don’t already know your full cost on a PEPY basis, do the math yourself now or call DCI to perform the math with zero bias. It might be true that no one besides your retail broker could possibly reduce costs any lower and without sacrificing quality, but why risk it?
Before your company commits to another year of unnecessarily high costs, contact DCI. Our solutions and strategies do not require you to switch brokers or networks and you don’t have to reduce coverage or increase employee deductibles. Our analyses give you the insight and power to be a one percenter!
info@dcisolutions.net | 760-809-8734
For many businesses, healthcare is one of the largest and fastest-growing expenses on the balance sheet. Yet the way most companies manage it hasn’t changed in decades. A recent case we worked on highlights just how costly that can be.
Employee engagement determines a company’s health and profitability. Across a wide number of companies, Gallup reports that the level of employee engagement follows a “1/6 : 2/6 : 3/6” ratio. 1 out of 6 employees (including management) resist the ownership’s goals and vision. 2 out of 6 support the ownership’s goals and vision. 3 out of 6 are “neutral.” They can be swayed by either the “resisters” or the “supporters.” Owners and executives should understand that they are competing every day with the “resisting “1 /6” to win over the neutral “3 / 6” and to sustain supportive engagement from the “2/6.” To improve the chances of winning this competition, leaders should recognize and avoid two common flaws: FLAW #1: CRITICAL LEADERSHIP “Critical Leadership” results in staff feeling less than fully appreciated if not rewarded for taking informed but unrequired risks that could be in the best interest of the company’s ownership. Example: The CFO and the controller of a privately held company understood how a specialized tax credit and cost review would recover substantial amounts of cash. “The problem,” he said behind closed doors, “is the owner of this company would criticize us for not being able to find this money all by ourselves without you. We can’t have that.” In this example, the company owners and all of the “stakeholders” lose valuable cash because an “Insufficiently Engaged Employee” didn’t want to accept what was misperceived as personal risk. FLAW #2: REMOTE LEADERSHIP The best leadership is close enough to offer clear guidance, incentives and accountability to ensure the organization’s health and profitability. When personal attention is too remote for too long a period of time, the important opportunities that should be first brought to the owner/CEO for an informed decision and then implemented by the staff are ignored or blocked. Instead, those opportunities are left for the staff to review and pursue or ignore according to their “personal perspective” and desire to avoid “personal risk.” This “Abdelegation” (combination of delegation mixed with abdication) is why too many great decisions and gains don’t get made in time, if ever. Example: For the last few years, an AP audit/recovery service recovered millions for a Fortune 1000 company. In response to a corporate directive to cut costs, the accounting department either had to let go of a well-liked staff member or discontinue the AP audit/recovery service, which was paying for itself many times over. The department discontinued the service. The company is now in worse financial condition than when the accounting department was asked to cut costs. Penny-wise and pound-foolish? Obviously, YES! But when given the opportunity to save jobs, many people will do so – even when it hurts the company and the common good. In both cases the decisions made by executives and staff were inline chiefly with the best interests of the company’s management personnel rather than the company or the company’s owner(s). The alternative is to replace the perspective of being overbearing and remote bosses to apply a leadership practice that causes employees to perceive them not as bosses, but as “Fully Engaged Employee-Centered Leaders.” To lead better, an owner/CEO should start with the assumption that the employer’s profitability is still secondary to other work-related priorities held by his VPs and department heads. Their priorities include: job security, career advancement, autonomy, peace, compensation (pay benefits, flex time), recognition (office relationships, peer respect, recognition from superiors), personal development, and the avoidance of more stress/work for which there is no extra reward. One simple improvement leaders can use to improve employee engagement and corporate profits simultaneously is DCI’s “3-A Communication.” The 3-A’s are: Align. Show how your decisions/goals align with employee well being and with the big picture. Affirm. Show respect and care for those touched by your decisions. Assign. Clarify roles, expectations and rewards for people carrying out your decisions. As an example, clients of DCI use this memo which incorporates “3-A Leadership” principles: Our executive team is committed to continually improving our employee well being with cost structure and financial health without reducing the quality of the services we give or the services we deliver to our consumers. To achieve these goals, we have engaged DCI Solutions to identify opportunities within our tax and overhead structure for additional discounts, credits, and refunds. Their mandate is to help us see worthwhile recoveries and cost savings without creating any risk for or unreasonable burdens on our staff. At some point DCI may request your time or input in order to expedite a savings for the good of our company. Your cooperation in this matter is necessary and appreciated. The resulting success reflects well on each department and person involved. The more effective DCI is in saving money for the company, the more profits we will have to grow our business and bonus our people. If you have any questions, concerns, or needs that cannot best be addressed by DCI Solutions directly, please feel free to contact us: info@dcisolutions.net | 760-809-8734
When it comes to SEO, there isn't a magic formula to instantly send your site off to the #1 search result on Google. But there are some basic principles you should follow for a wonderful starting point. Here are the top 5 SEO practices to start with: #1 Write for people, not for search engines Always write original, interesting, high quality site content that's error free and relevant to your site. Search engines like Google can easily detect content that is duplicated from elsewhere online, that contains grammatical errors, or that is stuffed with keywords. #2 Add a blog to your site and use rich media To engage your site visitors and blog readers, create posts that include non-textual media like photos, videos, or original visualizations (infographics). Having that extra content (especially if it's captivating) will increase the time users spend on your site as well as the likelihood they will share your site with their own community. #3 Offer a positive user experience throughout your site Google will know if you're using your site to aggressively advertise your service, or if you're being too pushy. Always aim to offer site visitors a pleasant experience on your site. That means clear content, support when needed, and always an option to go back. #4 Create a network of internal links (but don't overdo it) Add links between different pages of your site and your blog, but try to follow a process that feels organic rather than heavy linking meant just for search engine crawlers. Link between pages that make sense, for example, on your services page, link a certain industry specific term, and link it to a blog post you wrote about it, that gives more information on that term. #5 Always check your site's Core Web Vitals Core Web Vitals are a standard site performance standard initially created by Google. The report shows site owners how their site pages perform 'for real,' how long it takes for site visitors to load site pages, and it offers ways to fix issues, if there are any.
Trying to grow into the middle market? Many business owners make the mistake of giving the “CFO” title to the overworked, under-equipped accounting manager. When a loyal, affordable accounting manager who lacks the ability to forecast future performance and resource requirements is made the CFO you might see these warning signs: WARNING SIGNS: Closings are consistently late and you don’t know why. Your bank covenants are never on time and you have a hard time getting funding. Your business valuation is below average for your market. Your repeatedly have unexpected cash shortages. You don’t really understand your financial statements. You don’t know what results to expect in the next 6-12 months. Employers with less than $10MM revenue who want to triple revenues should get high-level, strategic CFO guidance, even if part time. The right CFO talent will pay for the added salary cost many times over. The Fractional CFO The most cost-efficient way for many medium sized businesses to grow into the middle market is to deploy a top talent CFO on a part-time basis. How do you know when you’ve chosen the right fractional CFO? The first way you know is that the six warning signs disappear. The other way you know is when you say to your fractional CFO: “Ever since you came onboard, I know more about my business than I ever did!” WHEN TO CONSIDER A FULL-TIME CFO Business owners who want to further increase their cost efficiency use DCI’s Cost Efficiency dashboard. To learn how this increases profit and market value up to 10%, contact DCI Solutions at: info@dcisolutions.net | 760-809-8734
Optimize productivity and cash position and cash flow: When your business takes payment by credit card, the transaction fees that you pay might be as high as 4%. This means if your company has $10MM in card transactions, you pay $200,000-$400,000 in fees unless you offset those fees (which you can do all the way to zero in some cases). If your company takes payment by credit card from other companies, the interchange rate for B2B transactions automatically jumps even higher (an extra 1% sometimes) if you do not enter the additional data mandated by the card brands. That increase means if you have $10 MM in B2B card transactions, you could be paying up to $450,000 in total fees. Working remotely, you can get a lot of that money back. Sometimes all of it. Step 1 – You eliminate that B2B interchange penalty if you manually populate all the requested fields or, better yet, just authorize the integration of an automated workaround. Step 2 – You begin reducing your fees by sending a letter like the one below, including an independent analysis (see example below) and, if you like, a competing proposal. Dear Bank/Card Processor, We are evaluating our costs, including our costs for card processing as you can see in the attached fee analysis. We also have received this proposal you see attached for month-to-month service with competitive terms and no exit penalties. Could you please respond with a competitive bid and send it to me at your soonest? Our company would like to activate these savings quickly. Thank you We offer advisors a true win-win solution that really moves the needle for their clients and we build great relationships with any trusted advisor who would like to bring this kind of added value to their client base. To learn more, contact DCI at info@dcisolutions.net or (888) 395-0809
Uses a Virtual IT Model. – Cuts electricity costs up to $2K/yr. per server. – Cuts external support costs up to 90%. – Increases employee autonomy and productivity. Two breakthroughs in 2006 allow the advantages of a Virtual IT model: 1. Google released cloud-based G-Suite which eliminated the need for servers. 2. MIT released Meraki which eliminated the need for on-site tech support. Virtual IT support makes your company more nimble, more productive and more capable of surviving the economic downturn. Increase Workforce Productivity with a Virtual IT Model CEOs use virtual IT support to see higher productivity and large, immediate savings. Traditional IT Model Employees depend on techs Employees need to be on site Expensive, on-site servers and services Emphasis on “fixing problems” Virtual IT Model Employees more autonomous Employees productive when mobile Costs drop ($1K/xx per year) Emphasis on productivity Two breakthroughs in 2006 made the advantages of a Virtual IT model possible: 1. Google released cloud-based G-Suite which eliminated the need for servers. 2. MIT released Meraki which eliminated the need for on-site tech support. “If this is so great why am I just now learning about it?” • Old business models and ways of thinking die hard. • Virtual IT model threatens the relevance and revenue of most MSP and IT people. Deploying G-suite and Meraki means 1. Up to 75% lower computer hardware costs 2. Lower electricity costs (up to $2K/yr. per server) 3. Up to 90% lower support costs 4. Increasing employee autonomy and productivity dramatically 5. Joining a growing list of nimble companies with success testimonials The CEO’s Confidential evaluation requires: • Copy of current IT service contract • 12 months of IT service invoice • Tally of computer-using managers, employees, computers and servers •. IT Dept’s fully burdened annual cost (payroll + benefits _ taxes) We offer advisors a true win-win solution that really moves the needle for their clients and we build great relationships with any trusted advisor who would like to bring this kind of added value to their client base. To learn more, contact DCI at info@dcisolutions.net or (888) 395-0809.
In this episode, we meet Jim Downes, an expert fractional CFO. Kirk and Jim explore the advantages companies get using fractional CFOs. KEY TAKEAWAYS from 20% growth using fractional CFO’s episode: 01:37 At what point do you need a fractional CFO? 03:35 There are two types of CFOs. 05:48 What a good CFO looks at. 07:02 20% growth when using a good fractional CFO. 10:22 The importance of having a clear written plan. 11:15 The unique advantage of a part-time outsider.
In this episode, we meet Maribel Larios, an expert in 401k plans and 457s who consistently shows business owners how to reduce their personal liability and costs in their retirement plans. Kirk and Maribel explore how to help companies and governments get more money out of their retirement plans. KEY TAKEAWAYS from Your Unseen Liabilities in Your 401k Plan episode: 00:46 When is it wise to combine your benefit plans? 04:26 Reducing multiple-providers without sacrificing. 08:26 Protect yourself by knowing your vendor’s conflicts of interest. 11:41 What hides in expense ratios? 18:09 For best pricing DO NOT ask your provider for better pricing. 20:53 You seldom get what you pay for. 21:50 Fiduciaries reduce your personal risk at no additional cost. 25:08 What it means if you’ve been paying a “broker deal”. 26:35 The TWO question CEOs must get answered… 30:16 Get someone else to be the bad guy. 33:37 CEO’s personal liability… 36:22 Don’t rely on record keepers for advice.
Truly great ideas are ones you couldn’t have imagined before, and can’t imagine going without now. PJ Gupta has that kind of idea for you. In this episode, we meet PJ, an expert in electronic payments. KEY TAKEAWAYS: 00:27 eCheck payments increase productivity, reduce risk, and save significant money 03:31 All it takes to send money is a name and an email address. No codes, logins passwords, routing numbers, or account numbers 04:17 Simplicity goes up and check fraud goes down 05:59 Self onboarding Easy enough for SMB; sophisticated enough for enterprise 08:40 Lower processing costs, fewer chargebacks, less time lost in support calls 09:17 Typical cost of handling exceptions per 100 paper check exceptions is $100 to $300 10:36 Source IP address, timestamp, and the browser = proof of received payment 12:48 Cost of sending a paper check = $5 to $10 (Goldman Sachs study) 13:10 Why should companies using card payments for airline miles pay by eCheck? 21:46 International payments and payroll payments made easy 25:38 Solving two problems: Immediate availability of funds, paying the underbanked 29:42 Instant pay is instant and worldwide (enter 16 + 4 digits). ACH set up and receipt takes multiple days. 32:40 How payment fraud is reduced and mitigated PJ Gupta is the founder at Checkbook. Please visit www.checkbook.io
The CARES Act Employee Retention Credit (ERC) gives up to $33,000 per employee to eligible employers. Examples: 60-employee Hotel Group – $1.5 Million 75-employee Nursing Home – $1.75 Million 7-employee Not for Profit – $200,000 33-employee Appliance Distributor – $745,000 The Employee Retention Credit (ERC) experts at DCI Solutions help you Establish your ERC claim. Every DCI client sees tax savings using DCI’s expertise, including those who thought they weren’t eligible for ERC. Maximize your ERC claim. Your success requires we maximize the money you are eligible for and leave nothing on the table. Document your ERC claim. It’s not enough to qualify you must have your ERC claim documented thoroughly in the event of an audit DCI can add additional tax incentives and grants to make your financial gain even larger. Call for a FREE consultation today! info@dcisolutions.net We’ll explain everything simply and give you a forecast so you know what to expect. Q: What is the Employee Retention Credit (ERC)? The Employee Retention Credit (ERC) is a CARES ACT incentive that gives special funds to eligible businesses who keep some or most of their employees on payroll. Q: How much money can I get back from the Employee Retention Credit (ERC)? The Employee Retention Credit (ERC) provides business owners up to $5,000 per full-time employee retained between Oct 1, 2020 and De 31, 2020. $28,000 per full-time employee retained between Jan 1, 2021 and Dec 31, 2021. $33,000 Maximum Credit per Employee Example: Employer with 31 employees could get over $1 Million! (31 EE X $33,000 per EE = $1,023,000) Q: How do I qualify for the Employee Retention Credit (ERC)? There are many ways to qualify and many companies that could qualify unknowingly fail to pursue or maximize the ERC money owed to them. Two of the many ways to qualify are: Have a significant disruption in supply chain. Have a 20% reduction in gross receipts in 2021 compared to 2019. Q: Can I become eligible if I got a PPP loan? Companies which received PPP loans can also be eligible for ERC $. The amount of your PPP loan will be deducted from the amount of your ERC funds if you are eligible. Q: Do Not-for-profits qualify? YES. Q: Will the IRS audit my taxes if I get money with the Employee Retention Credit? Probably. The IRS may audit every business who files for the Employee Retention Credit (ERC). It is critical you use the expertise of specialists who are familiar with the process to ensure your audit file is bullet-proof. You want to maximize your funds in the smartest, most prudent way. Q: Where can I file the forms for the Employee Retention Credit (ERC)? DCI Solutions will make all the necessary filings as part of our service offering to help you maximize the money you get from the Employee Retention Credit (ERC). Book a free consultation today! info@dcisolutions.net to see if your business qualifies and how much the IRS owes you. Avoid three big mistakes business owners make with ERC money: “I’m not eligible because ________.” (I got a PPP, I laid off people, revenue didn’t drop. etc.) “My CPA does that for me.” (CPAs and bookkeepers refer ERC to tax credit specialty firms like DCI. It is not recommended to use bookkeeper or accountant for these credits as they do not have the expertise to correctly maximize your funds or to protect you in the event of an audit.) “Maybe I’ll figure it out myself.” (With all your free time?! You’re running a company!) Check the IRS Regulations https://www.irs.gov/newsroom/faqs-employee-retention-credit-under-the-cares-act DCI has generated millions in ERC claims for our clients. Many are businesses with fewer than 20 employees . Our Streamlined Process Contact DCI Solutions for a FREE consultation. Send a completed questionnaire, payroll data, and 941 returns. DCI reviews with you your credit calculations and 941-X amended payroll returns. Receive payment from the Treasury Department in 3-5 months. Disclaimer: This information should not be construed as legal, accounting or tax advice or opinion and may not be applicable to the reader’s specific circumstances, and may require consideration of non-tax and other tax factors. The reader should contact DCI Solutions for a consultation in all cases. DCI Solutions is not obligated to post any changes in tax laws or other factors that could affect the information already posted.