The process
How it works: qualify, analyze, place.
USA OPS is a flat-fee PEO broker. The process has three steps, and each one has to earn the next. You start with the math, on your own 2026 numbers, before you give us a name. Then you decide how far to go.
No fee and no contact for the first result.
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The three steps in plain order
- Qualify. The first result shows whether a group plan is likely to help you, hurt you, or change little.
- Analyze. The full report lays out the math line by line, on 2026 figures, your current path next to a group plan.
- Place. If the numbers hold, we connect you with our PEO partner that runs the plan.
Many owners stop after step one or step two, and that is fine. The order exists so you never move forward on anything but the math.
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Step 1: Qualify
The first step runs on a few facts you enter yourself: your net income, what you pay now for coverage, your state, your entity, and your team size if you have one. From those, the calculator returns the first result on one screen.
That result tells you which of three things is true for you:
- A group plan is likely to help, and the full report is worth a look.
- A group plan is likely to change little, so staying where you are may be the better move.
- A group plan is likely to hurt your position, and you should not go further.
This is where the model is built to tell you no early. If your income or coverage cost sits well below the range where the math tends to work, you find that out in the first result, before any contact and before you have spent more than a few minutes.
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Step 2: Analyze
If the first result looks strong, the full report is the next step. A 6-digit text code opens it. The report is where the first result becomes line-by-line math.
It lays out your 2026 picture two ways, your current path next to the path through a group plan, so you can see exactly where the difference comes from:
- Your personal 2026 return, run both ways.
- Your company cost model, if you have a team.
- The three group plan tiers through a National Tier 1 PPO, current path next to the group path.
The report is structured for review. Your CPA can review the assumptions, your entity facts, owner pay, and the tax treatment, line by line. We do not ask you to take a single figure on faith. This is the step that decides whether a discovery call is worth your time, and it is your call to make.
See what the full report includes and how the numbers are built.
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Step 3: Place
If the numbers hold and you decide to go forward, the last step is the handoff. We connect you with our PEO partner that sponsors and runs the group plan.
We are not the plan provider. A separate, licensed provider runs the plan. We run the math and connect you.
From there, the provider handles underwriting, enrollment, payroll setup, and ongoing service. We help you understand the steps, the documents, and the decision points along the way. We do not replace your CPA, your attorney, or the provider, and we do not make your medical, tax, or legal decisions for you.
The PEO fee for this is flat: $150 per person per month for the full stack, or $75 a month for compliance only. It is month to month, and it does not climb as you grow.
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Where you can stop
A clear stop protects your time. You can end the process at any step:
- Stop after the first result if the model shows a weak or neutral fit.
- Stop after the report if your CPA does not agree with the assumptions.
- Stop before placement if the discovery call does not convince you.
Each step has to hold up on its own before the next one starts. You are never carried past the point where the math stops making sense for you.
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Solo and team follow the same spine
The three steps are the same whether you are a business of one or a small team. The facts gathered differ.
A business of one enters owner facts: net income, state, entity, and current coverage cost. See the owner path.
A small team adds employee and payroll facts: headcount, renewal cost, participation, and workers' comp details. A strong team result may pair the report with a short fit check, because a team case has more moving parts. See the team path.
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Frequently asked questions
How long does the first result take?
A few minutes. You enter a handful of facts and the calculator returns the first result on one screen. There is no waiting for a callback.
Do I have to talk to anyone?
No. The first result and the full report both come from your own inputs, with no call. You decide afterward whether a discovery call is worth your time.
What happens to my numbers?
The first result is generated from your inputs and shown to you before USA OPS has your name or phone number. The access step for the full report collects only your name and phone, so the 6-digit code can be texted to you.
Does USA OPS provide the coverage?
No. Our PEO partner provides the group plan and handles underwriting, enrollment, payroll, and service. USA OPS runs the analysis, explains the fit, and connects you when the numbers work. Our partner is NAPEO and ESAC accredited, and the group plan is offered in all 50 states.
What if the model says no?
Then staying where you are is likely the better move for now, and you saved yourself a sales process. You can run it again when your income, coverage cost, or team size changes.
Last reviewed: June 2026.
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