— Benefits & HR, for growing teams

Benefits your people will actually use.

Group health, self-funded plans, PEO, ASO, HCM payroll and HR software, and ICHRA, compared side by side in plain language. One relationship for the coverage that helps you hire and keep good people.

Get a free benefits review Or call (727) 336-0680

A small business team laughing together around a shared worktable

Group Medical
✦
Self-Funded & Stop-Loss
✦
PEO · ASO · HCM
✦
ICHRA Design
✦
Dental · Vision · Life · Voluntary
✦
Reply within one business day

— What we do

Benefits architecture, built around how your company actually works.

Group Health

Small group to large group, shopped across a national carrier panel.

We build a census and compare fully insured, level-funded, and self-funded options side by side, then help you set contribution levels that fit your budget and your hiring plans. Self-funded plans pair a third-party administrator with stop-loss protection, so a bad claims year has a ceiling.

Explore Group Health for my team

Small & large group, fully insured
Level-funded & self-funded plans
Specific & aggregate stop-loss
PPO, HMO, and HSA-qualified designs
Contribution strategy & renewal reviews

ii.

PEO

HR, payroll, and benefits under one roof.

A Professional Employer Organization co-employs your team alongside thousands of others, often unlocking large-group benefits while taking payroll, compliance, and workers’ comp off your desk. There are hundreds of PEOs; we match you with partners that fit your industry, states, and size.

Explore PEO for my team

Large-group benefits access
Payroll, tax filing & state unemployment
Workers’ comp & risk management
HR compliance, recruiting & onboarding
HRIS, online enrollment & expense tools

iii.

ASO

Outsourced HR and payroll, without co-employment.

An Administrative Services Only arrangement gives you much of a PEO’s back office (payroll, tax filing, HR guidance, and compliance support) while you remain the sole employer and keep your own benefits plans and carrier relationships.

Explore ASO for my team

You stay the sole employer of record
Keep your own group health plan
Payroll, tax filing & HR advisory
Handbooks, policies & compliance support

iv.

HCM

Payroll, HR, and benefits software in one system.

Human Capital Management platforms put payroll, timekeeping, HR records, onboarding, and benefits enrollment in a single system your team runs in-house. A good fit when you want the tools, not an outside administrator.

Explore HCM for my team

Payroll & tax filing
Time, attendance & scheduling
HRIS, onboarding & applicant tracking
Online benefits enrollment & carrier feeds
Employee self-service

ICHRA

A fixed allowance. Employees choose their own plan.

An Individual Coverage HRA gives you predictability without traditional group constraints: you set a monthly, tax-free allowance and employees buy the individual plan that fits their life.

Explore ICHRA for my team

Fixed, predictable monthly cost
No group participation minimums
Allowances by employee class

— Also available

Dental
Vision
Group life
Short & long-term disability
Accident
Critical illness
Hospital indemnity
Pet benefits
Legal services
Identity protection

— Alongside any plan

Tax-advantaged accounts

Pretax plans that stretch every benefits dollar, for you and your employees.

Section 125 premium-only plan
Flexible spending (FSA)
Dependent care (DCAP)
Limited-purpose & post-deductible FSA
Health savings account (HSA)
HRA, QSEHRA & EBHRA
Section 132 commuter benefits

Compliance & HR support

The paperwork and filings that come with offering benefits, handled on schedule.

COBRA administration
ACA 1094/1095 reporting
ERISA wrap documents & Form 5500
Employment law support
Manager HR helpline
Harassment & discrimination training
Online benefits administration

— Our panel

Carriers & partners we shop for you.

National and regional health carriers, ancillary specialists, PEOs, and benefits platforms, compared side by side for your team.

Health & ancillary carriers

PEO & benefits technology

Carrier and partner availability varies by state, group size, and industry. Logos are trademarks of their respective owners and do not imply endorsement.

— At a glance

Group, PEO, or ICHRA? Here’s the short version.

Every business is different, which is why we model your actual census. This is a starting point for the conversation.

Comparison of group health, PEO, and ICHRA options
Factor	Group Health	PEO	ICHRA
Best fit	Established teams that want one shared plan	Teams that also want HR & payroll handled	Distributed or varied teams that want budget control
Cost predictability	Set annually, subject to renewal	Bundled per-employee pricing	Fixed allowance you choose
Admin on your side	Moderate	Light	Light
Employee plan choice	Chosen from your plan menu	Chosen from the PEO’s plan menu	Any qualifying individual plan
Participation rules	Carrier minimums usually apply	Set by the PEO	No group minimums

— HR & payroll

PEO, ASO, or HCM? Who does the work.

Comparison of PEO, ASO, and HCM options
Factor	PEO	ASO	HCM
Best fit	Small & midsize teams that want benefits and HR handled together	Teams that want HR help but prefer to stay the sole employer	Teams with in-house HR or payroll staff who want better tools
Employer of record	Shared (co-employment)	You	You
Health benefits	Join the PEO’s large-group plans	Keep or shop your own group plan	Your own plan, enrolled in the system
Payroll & tax filing	Run by the PEO	Run by the provider	Run by you, in the software
Workers’ comp	Usually included under the PEO	Your own policy	Your own policy
Admin on your side	Light	Light to moderate	Moderate

— ICHRA estimator

What would an ICHRA actually cost you?

Set up one or more employee classes, say full-time and part-time, or employees in different states. Give each class its own monthly allowance by coverage tier. Add a ZIP code to see real HealthCare.gov premiums for the area, so you know what each allowance actually buys. Nothing you enter is saved.

Class name

ZIP code

Typical age

Lowest annual pay (optional)

All employees: employees and monthly allowance by coverage tier
Coverage	Lowest Silver	Employee pays
Employee only	—	—
Employee + spouse	—	—
Employee + children	—	—
Family	—	—

10 employees · $0/mo · $0/yr

Allowances must be the same for everyone in a class. They can still rise with age (up to 3× for the oldest employees) and with family size.

— Shop plans with your allowance

See every plan on the Get Covered USA calculator

Enter an employee’s ZIP code and household to compare full plan details. Bring the ICHRA tier allowance that applies to them, and anything above it is what they’d pay.

Monthly ICHRA allowance by class and coverage tier
ICHRA tier	All employees
Employee only	—
Employee + spouse	—
Employee + children	—
Family	—

Open the Get Covered USA calculator

Market premiums come from the CMS Marketplace Public Use Files for on-exchange, non-tobacco individual plans in the 30 states that use HealthCare.gov. States that run their own marketplace are not included yet. Family premiums assume a spouse the same age as the employee and two children under 15. Your cost is the most you’d reimburse; you only pay for premiums employees actually buy, up to the allowance. Actual premiums, plan availability, and IRS affordability depend on each employee’s household and location. This is a starting point, not a quote or tax advice.

— How it works

No teaser numbers. No surprises at renewal.

A business owner reviewing benefits paperwork with an advisor

No. 01
A short conversation
We learn your headcount, locations, current coverage, and what is and isn’t working. Fifteen minutes, no forms to fill out first.
No. 02
Census & market review
With a simple employee census, we gather quotes across group carriers, stop-loss markets, PEO and ASO partners, HCM platforms, and ICHRA administrators where it makes sense.
No. 03
Side-by-side recommendation
You get a plain-language comparison of real costs, employee impact, and admin load. No teaser numbers.
No. 04
Enrollment & every renewal after
We coordinate enrollment and stay on as your point of contact, reviewing the market again before each renewal.

— Who we work with

Owner-led businesses across every trade.

Trucking
Restaurants
Construction
Medical & Dental
Auto Repair
Retail & E-commerce
Manufacturing
Landscaping & Home Services

— Referral network

The people who keep a business running, introduced.

Benefits sit next to hiring, payroll, and protecting the workplace. We work alongside trusted professionals in each, so you get a straight introduction instead of a cold search, and their clients get a benefits partner who already speaks their language.

01
HR professionals
Independent and fractional HR consultants who handle handbooks, hiring, employee relations, and day-to-day compliance.
Benefits are often the first HR question a growing team asks.
Ask for an introduction to hr professionals
02
Payroll professionals
Payroll bureaus, bookkeepers, and accountants who run payroll and tax filings for owner-led businesses.
Premium deductions, Section 125, and HSA contributions all run through payroll.
Ask for an introduction to payroll professionals
03
Background screening
Pre-employment background checks, drug testing, and employment verification for new hires.
Every new hire is screened before they are enrolled.
Ask for an introduction to background screening
04
Security monitoring
Alarm, video, and access-control monitoring that protects your people, locations, and equipment.
Protecting a workplace and protecting the people in it go hand in hand.
Ask for an introduction to security monitoring

— For professionals

In HR, payroll, screening, or security? Let’s work together.

Refer a client who needs a benefits review, or ask to join the network. We look after the people you send our way and return the favor when our clients need what you do.

— Questions

What owners usually ask first.

How many employees do I need for a group plan?

Many carriers write small-group coverage starting at two enrolled employees, though rules vary by state and carrier. PEOs and ICHRAs can be good fits for very small teams, too.

What’s the difference between a PEO and a group plan?

With a group plan, your company is the plan sponsor and you handle HR and payroll separately. With a PEO, your employees are co-employed and join the PEO’s larger benefits pool, and the PEO also runs payroll, tax filings, and much of HR compliance.

What’s the difference between a PEO and an ASO?

Both take payroll, tax filing, and much of HR off your plate. A PEO co-employs your team and usually brings its own benefits plans and workers’ comp. With an ASO you stay the only employer, keep your own benefits and insurance, and get the administrative support on top.

What is HCM software, and do I still need a broker?

Human Capital Management software runs payroll, time, HR records, and benefits enrollment in one place. It is the system; you still choose the plans that go into it. We can help you pick a platform and set up the benefits that feed it.

Is self-funding only for large companies?

No. Level-funded and self-funded plans with stop-loss protection can work for smaller groups too, especially healthier ones. We review your current plan and, where available, your recent claims to see whether it makes sense.

Is an ICHRA right for my business?

ICHRAs tend to work well when you want a fixed benefits budget, have employees in several states, or can’t meet group participation minimums. We’ll model your census to see how the allowance compares to group costs.

What do I need to get quotes?

Usually a basic employee census (ages, ZIP codes, and coverage tiers) and, if you have one, your current plan summary and renewal. We’ll send a simple template.

Does it cost anything to work with you?

The consultation and market review are free. We’ll walk you through how any compensation works before you make a decision.

— Start here

Get a free, no-pressure benefits review.

Tell us a little about your team. We’ll come back within one business day with next steps and a short list of what to send for quotes.

Call: (727) 336-0680
Email: peter@plbusinesscapital.com
Hours: Mon–Fri, 9a–6p ET

Benefits your people will actually use.

Benefits architecture, built around how your company actually works.

Group Health

PEO

ASO

HCM

ICHRA

Tax-advantaged accounts

Compliance & HR support

Carriers & partners we shop for you.

Group, PEO, or ICHRA? Here’s the short version.

PEO, ASO, or HCM? Who does the work.

What would an ICHRA actually cost you?

See every plan on the Get Covered USA calculator

No teaser numbers. No surprises at renewal.

A short conversation

Census & market review

Side-by-side recommendation

Enrollment & every renewal after

Owner-led businesses across every trade.

The people who keep a business running, introduced.

For employers

HR professionals

Payroll professionals

Background screening

Security monitoring

In HR, payroll, screening, or security? Let’s work together.

What owners usually ask first.

Get a free, no-pressure benefits review.