Question 1

Who is this built for?

Accepted Answer

Self-employed owners and small teams with net income between $85,000 and $185,000 who are paying high retail health premiums. Suitable for single-member LLCs, S-Corps, and teams with up to 25 W-2 employees.

Question 2

What does the $150 per person monthly fee cover?

Accepted Answer

Full infrastructure includes payroll processing, tax filings, access to group coverage through tier-1 national carriers at composite rates, workers’ compensation on a pay-as-you-go basis, SUTA stabilization, EPLI, HR support, and IRS payroll filings under the PEO’s FEIN.

Question 3

How is this different from most PEOs?

Accepted Answer

Most PEOs charge a percentage of payroll and typically work with larger teams. This model uses a flat fee per person and is structured to work for solo operators and small teams starting at one person.

Question 4

Will I lose control of my business or my CPA relationship?

Accepted Answer

No. Your business entity remains unchanged. You keep full operational control and hiring authority. Your CPA continues to handle your corporate return and sets your reasonable wage.

Question 5

What kind of group coverage is available?

Accepted Answer

Access to group plans through tier-1 national carriers using composite rates. Plan options include low-deductible, balanced, and HSA-qualified structures. Individual age rating does not apply.

Health Coverage and Tax Structure for Self-Employed Owners in 2026