For a small team
Real group coverage for your team, with the back office off your desk
If you run a team of 1 to 25, you already know group coverage works. The cost is what hurts: the renewal that climbs every year, and the payroll, filings, and HR work that all land on you. Your team can join a large national group plan that already exists, the kind a big employer runs, and the back office runs through the same structure. PEO Broker is a flat-fee PEO broker. We show you, on your own 2026 numbers, what that change would cost your business before you give us a name.
You do not build a large group. You join one. The flat fee is per person, and it does not climb when you add a hire or give a raise.
We are not the plan provider. A separate, licensed provider runs the plan. We run the math and connect you.
No fee and no contact for the first result.
01
Who this is for
This page is for the owner of a team of 1 to 25 W-2 employees who is starting, keeping, or questioning group coverage, and who wants real numbers before a sales process. The math tends to work when:
- you have 1 to 25 W-2 employees,
- the business nets about $90,000 or more and you pay about $500 or more a month for your own coverage, and
- renewal cost, retention, payroll, or workers' compensation is part of the decision.
If you are a bit over 25, run it anyway and we will tell you where you stand. If you are a large, established employer with 50 or more people and a benefits team, a traditional setup probably serves you better.
If you are a business of one, the math and the framing are different. See the owner path.
02
What a group structure does for a team
The structure is not new. Large companies have used a version of it for decades. Your team joins an existing large group through our PEO partner, which sponsors the plan and runs the employment back office. You stay the owner and the boss. Your employees stay your employees.
What changes is what comes off your plate:
- A national PPO for the team, priced for a large group instead of a small one.
- Payroll and the tax filings that go with it.
- Workers' compensation.
- HR support, onboarding, and the compliance paperwork.
It runs on a portable, industry-standard platform you can leave, so you are not locked in. The flat fee is $150 per person per month for the full stack, or $75 for compliance only, and it does not climb as you grow. Our PEO partner is Industry Association and Bonding Authority accredited, and the group plan is offered in all 50 states.
See what a group plan includes, how small-business group coverage works, and see pricing in full.
03
If you are weighing ICHRA
ICHRA is a real funding mechanism, and for some teams it is the right one. It lets you give employees a set amount to put toward plans they buy on their own. If your people are content buying individual coverage and you mainly want to help with the cost, that can be enough.
The limit shows up for a lot of owners. ICHRA funds the purchase, but it does not put your team inside a large group plan, so each person still buys age-rated coverage on the individual market, with that market's networks and that market's renewals. And if you file as an S-corp and own more than 2 percent, you are not an eligible employee under that kind of arrangement, so it does nothing for your own coverage. Check the tax details with your CPA.
A group structure answers a different question. It puts your whole team, you included, inside one real large-group plan. The calculator shows both paths on your numbers so you can compare them directly.
04
See the number first, not a lead form
Most coverage conversations start by taking your contact information. This one starts with your math.
The calculator runs on a few facts: your headcount, your payroll, what you pay now, your state, and your entity. For a team it returns two models on one screen:
- Your company cost model: what the team's coverage and the back office cost now, next to the cost through a group structure.
- Your personal 2026 return, run two ways, since your own coverage is part of the picture.
It also shows three group plan tiers, the current path next to the group path. You see all of it before PEO Broker has your name, email, or phone. A 6-digit text code then opens the full report, every line, built for your CPA to check.
The model is built to say no. If a group structure would cost you more than it saves, the first result says so, and you have your answer at no cost.
05
Why this matters at your next renewal
The 2026 cost shock hit the individual market hard. The benchmark rose about 26 percent, and for people who buy on their own the average net premium rose about 58 percent with deductibles up about 37 percent (KFF, 2026). Small-group renewals feel the same upward pressure, and the individual market is where your people land if a plan falls through. That is why more owners are running the numbers this year.
06
When this is not a fit
A clear no protects your time. A team is probably not a fit if:
- your current plan is already low cost and your people are happy,
- most of your team is covered elsewhere, through a spouse or another job,
- you are looking for a subsidy or for someone else to carry the cost, or
- you want PEO Broker to make your medical, tax, or legal decisions.
And if you are a large, established employer with 50 or more people and a benefits team, the flat-fee model is built for smaller teams, so a traditional setup probably serves you better.
If you are unsure where you land, see whether a PEO is a fit.
07
Frequently asked questions
We already offer a plan and have a broker. Why run this?
Because the number is the point. The calculator shows your current setup next to a group structure on your 2026 figures, so you can see whether a change is worth it before you talk to anyone. If it is not, you have confirmed your current plan is the right one.
What about ICHRA?
ICHRA reimburses employees for coverage they buy on the individual market, and for some teams that is enough. It funds the purchase but does not put your team in a large group plan, and a more-than-2-percent S-corp owner is not an eligible employee under it. The calculator compares both paths on your numbers. Check the tax details with your CPA.
Does PEO Broker provide the coverage?
No. The group plan comes from our PEO partner, which handles underwriting, enrollment, payroll, and service. PEO Broker runs the analysis, explains the fit, and connects you when the numbers work.
What does it cost?
The first result costs nothing. If you proceed, your business pays the PEO a flat $150 per person per month for the full stack, or $75 for compliance only, month to month, and it does not climb as you grow. PEO Broker does not charge you. We are paid by the PEO only if you enroll, and that fee does not rise with the plan you pick or the premium.
What if we have more than 25 employees?
Run it anyway. The flat-fee model is built for teams up to about 25, but we will look at your numbers and tell you honestly whether it fits or whether a different setup serves you better.
What if the number says stay put?
Then you have your answer, and you saved yourself a sales process. Run it again at your next renewal or when your headcount changes.
Last reviewed: June 2026.
See your number