Renewal pressure
Historical renewal performance is history, not a promise. The point is a path built for planning.
For owners with employees
Your team plan is only part of what is getting expensive.
If you carry employees, the problem is the renewal you cannot predict, the payroll and HR work that lands on your desk, the workers' comp exposure, and the state-by-state rules that appear as you grow.
USA OPS starts with the number. The calculator shows your all-in team cost before a sales call, then discovery settles the operational details only if the math is worth your time.
See the team number
No fee and no contact for the first result.
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Team fit
Coverage opens the door. The operating weight closes the decision.
Employer liability
Payroll, employment rules, and multi-state obligations stop living as separate problems on your desk.
Back-office relief
HR support, workers' comp, compliance, onboarding, and claims handling move into a coordinated system.
Number first
Set headcount and see what the PEO would cost to run your people before any call.
Current options
The question is what each route leaves on you.
ICHRA
Can be a real answer for some teams.
It funds individual-market coverage. It does not put your team inside a large group plan or remove the operating work that comes with employees.
Small group
Can be right when the renewal and admin load are manageable.
The question is whether the owner still wants to carry the renewal pressure, state rules, and back-office details directly.
PEO path
Plan path plus operating support.
The calculator puts the all-in cost in front of you first. Discovery handles the operational unknowns after the number is worth discussing.
After the number
The calculator earns the call.
First screen
Direction before contact
The first result shows whether the team path is close enough to matter before USA OPS has your contact details.
Full report
Headcount configurator
Set headcount and see line by line what the PEO would cost to run your people.
Discovery
Unknowns resolved
Workers' comp, states, payroll setup, current plan timing, and formal quote eligibility get handled in the call.
Underwriter
Formal offer
The provider confirms the case. You move only when the numbers and operational fit hold.
Clear no
A team should not move just because a broker says so.
This may not be a fit if your current plan is low cost and stable, most employees are covered elsewhere, you only want the lowest sticker premium, or you already have a benefits team and infrastructure that handles the work cleanly.
See the team number
Start with the all-in cost. Then decide whether the discovery call is worth your time.
See the team number
No fee and no contact for the first result.