Frequently Asked Questions

Eligibility & Membership

1Membership Fees
Our membership fees are simple. Our fees come out to roughly $45 per employee per month. OUR PEO PRICING.

We also offer stand alone payroll services that’s easy, affordable, with excellent customer support that is based in the USA. Our stand alone payroll service does not come with the PEO services, but if you just want payroll with a little local hands on support that you can access without listening to an hour of on-hold telephone music… we got you!
PAYROLL ONLY PRICING
2Organization Requirements
  • Must be a small business
  • Must pay a minimum of 50% of workers' monthly premiums.
  • Workplaces are not required to contribute to the monthly premium for non-workers (dependents).
  • Each workplace must have 70% enrollment of qualifying workers to enroll in health & dental insurance, not including workers that are covered by a partner’s plan or government coverage.
    • 3Worker Requirements
  • Workers must work 20+ hours a week, and have an Individual Taxpayer Identification Number (ITIN) or Social Security Number (SSN) to be eligible.
  • Dependents are eligible until age 26.
  • Partners are eligible for coverage. Legal marriage is not required, though you must be able to provide proof of shared bills or lease showing shared residence upon request.
  • Disclosure of legal name and sex/gender are required by insurance companies for enrollment
    • 4Why is Health Insurance Less Pricey with Fellow Travelers?
    In 2014 the insurance market segmented into 2 categories, group & individual (aka "the Exchanges"). Through the years insurance costs on the exchanges have increased dramatically while the group plans have been relatively stable in comparison.  If you are currently in an Exchange plan as an individual, by joining our group plan your rates should decrease significantly. You can see our plans & prices here.
    5Do I have to do payroll with you to get health insurance?
    IF you have at least 1 bonafide full time employee (besides the owner/founder/officer, etc), we can work with you to set up benefits without payroll through us and therefore not pay any PEO fees. If you do NOT have any W-2 employees or are a 1 person corporation, yes, you would have to run at least $17,000 per year through payroll to have access to our non-health insurance benefits.
    6Do I have to pre-fund payroll?
    No, we run payroll bi-weekly and do not require to pre-fund the amounts.  If you do not want to allow electronic funds transfer, then yes, you would have to pre-fund payroll.
    7How about claiming a deduction for health insurance on my tax return?
    You can choose to pay your insurance premiums "above the line pre-tax" through a section 125 plan or pay premiums with after tax dollar and try to itemize deductions on your personal tax return.
    8Do you have more than 3 Health Insurance Options?
    Currently we don't, but we may add more in the future. We can also install a customized health insurance option for your organization.
    9Do you have customer service?
    Of course! Our friendly and knowledgeable customer services reps are available to answer your questions and will get back to you within 48 hours.