Getting product ideas from employer's internal software

Hey y'all, I currently work for a really cool employer that has awesome benefits. One of these benefits is managed using an internal app, and I feel like other companies would pay for this app to manage this benefit for their own employees. I'm not sure it's a good idea to steal this idea and make it into a SAAS, for a couple reasons.

I'm not sure it's a problem I really want to work on in my spare time, but I would like to see more companies offering this type of perk. I would offer this perk if I were in a position to do so.
I'm not sure of the morality of this! (which feels like one of those situations where "If you need to ask...")

Obviously I wouldn't steal any code- I don't even have access to the repo. I would even refuse to do this during work hours to avoid any risk there. If this is considered a gray area (or worse), should I perhaps open a conversation to my employer to see if they are interested in turning this into a product, and then advocate to work on that internally? I would be open to doing that.

Thank you for sharing your thoughts.