The PEO Broker Built for Self-Employed Professionals and Small Teams
Most PEO brokers focus on companies with 50 or more employees. If you run a single-member LLC, an S-Corp, or a small team, the traditional broker channel was not built for you — and the pricing reflects it.
USA OPS is an independent PEO broker that works exclusively with solo operators netting $100K+ and small business owners with up to 75 W-2 employees. We connect qualifying businesses to a certified PEO partner network that offers Cigna national PPO group health coverage at composite rates, flat-fee compliance infrastructure, and no percentage-based payroll charges.
What a PEO Broker Does
A PEO broker evaluates your income, entity structure, and current health costs, then matches you to a Professional Employer Organization whose plan pricing and compliance infrastructure delivers a measurable net benefit. The broker does not sell insurance directly. The PEO underwrites and administers the coverage.
USA OPS earns a flat recurring referral fee only while you remain enrolled. There is no upfront commission and no incentive to place you in a structure that does not deliver a clear financial win.
Why Flat-Fee Pricing Matters
Traditional PEOs charge 2 to 8 percent of total payroll. At $150,000 in annual payroll that is $3,000 to $12,000 per year — before you see a single dollar of health savings. USA OPS charges $150 per person per month regardless of what the owner earns. You are not penalized for having a good year.
Who Qualifies
Solo operators and small business owners who meet all three of the following:
Currently structured as an LLC or S-Corp. Netting $100,000 or more annually. Paying $700 or more per month for health coverage.
Below that threshold the math rarely delivers a clear win. Above it, the structure almost always does. Run the calculator to see your exact numbers.
How It Compares
| Retail Market | Traditional PEO | USA OPS | |
|---|---|---|---|
| Pricing model | Age-rated individual | % of payroll | Flat $150/person/mo |
| Minimum size | 1 | Usually 50+ | 1 |
| Health network | Narrow HMO | Varies | Cigna National PPO |
| Broker fee | Commission % | Built into rate | Flat recurring only |
| Entity impact | None | None | None — LLC/S-Corp intact |
Frequently Asked Questions
Do I need to dissolve my LLC or S-Corp to join?
No. Your entity stays intact. The PEO handles the payroll tax layer underneath your existing structure.
Is this insurance?
No. USA OPS is a PEO broker. Coverage is underwritten and administered through our certified PEO partner network and Cigna. This is not insurance advice.
How long does onboarding take?
Approximately three weeks from application approval to active coverage.
What if the math does not work for my situation?
We will tell you. The calculator shows your exact numbers before you speak to anyone.