🏆 Ranked #5 Insurance Agency in Carlsbad (Serving Southern California) — BusinessRate February 2026 | 🔒 No Hidden Broker Fees. No Obligation. 15 Five-Star Google Reviews. CA License #6015811
PEO Exit Strategy — California Group Health Broker
Tired of TriNet, Gusto,
or Rippling Fees &
Poor Service?
If your PEO renewal just went up — or you're paying $100+ per employee per month in bundled fees — we can show you exactly what an independent broker costs by comparison. We are typically paid through carrier commission only and do not charge additional fees for our services.
| 70% Processing & Healthcare cost reduction, P. Patel* |
15 Five-Star Google Reviews |
100+ Carrier options we shop for you |
Ranked #5 BusinessRate 2026
Carlsbad · Serving SoCal |
*Individual results vary. See full testimonial below. Savings are not guaranteed.
Currently with:
Get Your Free Benefits Comparison
We'll show you what you're paying now vs. what's available — no obligation, no pressure.
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Sound Familiar?
Signs It May Be Time to Leave Your PEO
PEOs work well for some businesses — but if you're experiencing any of these, it may be worth a conversation.
Renewal Increases You Didn't Expect
PEOs bundle insurance risk across all their clients. When claims go up industry-wide, your renewal goes up — even if your own employees had a healthy year.
Fees That Are Hard to Understand
Many PEOs charge $80–$150+ per employee per month in admin and service fees, separate from your insurance premiums. An independent broker typically costs nothing extra.
Poor or Slow Customer Service
With a PEO, you're one of thousands of clients. HR managers often wait days for answers. With ServicePro, you have a dedicated team that knows your plan.
Limited Carrier or Plan Choices
PEOs offer plans from a limited set of carriers they've contracted with. An independent broker shops 100+ carriers to find the right fit for your workforce.
Growing Beyond the PEO Model
As companies grow past 20–100+ employees, the economics of a PEO often stop making sense. Direct carrier relationships typically offer better rates at this size.
You Want to Own Your Data & Decisions
With a PEO, the co-employment relationship means they hold significant control over your HR data and vendor relationships. Exiting puts you back in the driver's seat.
Client Result
From TriNet: A Real Story
One of our clients — a nationwide company with 60 locations across multiple states — came to us after experiencing significant cost increases on TriNet. With our partners, we helped manage their move to Paylocity for payroll and structured a direct carrier benefits plan tailored to their multistate workforce.
"We have ended up saving 70 percent on our processing and healthcare costs and we have been able to provide our employees with better coverage as well. I think transition from Trinet to Paylocity is lot easier when ServicePro is helping us with our health benefit management."
— P. Patel, Identity Verification Company (60 locations, nationwide)
* Individual results vary. Savings are not guaranteed. This reflects one client's reported experience.
Processing Costs: High → Reduced ~70%*
Healthcare Costs: Bundled PEO → Direct Carrier
Employee Coverage: PEO-limited → Improved
States Covered: 60 locations, nationwide
Result : Improved Benefits, Lower Cost.*
The process
How a PEO Exit Works
We manage the entire transition so your HR team isn't overwhelmed and your employees don't experience a gap in coverage.
Step one
Free analysis
We review your current PEO contract, costs, and benefits structure. You'll see a clear side-by-side comparison — no obligation.
Step two
Custom benefits design
We shop 100+ carriers and design a plan that matches or improves your current benefits at a competitive premium.
Step three
Automated solutions setup
Our trusted partners connect your benefits, payroll deductions, and enrollments through a centralized platform — eliminating manual data entry and saving your HR team hours each pay period.
Available for groups with 20+ employeesStep four
Seamless transition
Your employees enroll in the new plan. We handle the paperwork, carrier coordination, and timing to ensure no gaps in coverage during the transition.
Step five
Ongoing dedicated support
After the move, we remain your broker year-round — available for employee questions, coverage changes, and annual renewals.
Why ServicePro Insurance Solutions
What You Get With an Independent Broker
Compared to a PEO, working with an independent broker like ServicePro Insurance Solutions typically offers more flexibility, more carrier options, and no hidden admin fees.
No Hidden Broker Fees
We are paid through carrier commission only. There are no additional charges for our brokerage services — you simply pay your insurance premium like any direct plan.
100+ Carrier Options — Nationwide
We're not locked into one carrier's offerings. We shop the full market — including nationwide coverage options — to find the best fit for your workforce, industry, and budget.
Automated Solutions
AI-powered automation is replacing manual HR workflows. Our trusted partners consolidate premium deductions, benefit enrollments, and employee eligibility into a consolidated platform solution — eliminating human error, saving significant admin time, and keeping your data synchronized across systems at negotiated rates, with expert support. Available for groups with 20+ employees.
Dedicated Team, Real People
When your employees have questions about their benefits, they reach a real person who knows your plan — not a call center.
Year-Round Support
We're not just here at renewal. Our clients reach us throughout the year for enrollments, life events, coverage changes, and HR support.
HR Compliance Resources
Through our trusted HR partners, clients have access to white-glove support for required ERISA disclosures, Section 125 Pre-Tax Premium plans, and Summary Plan Descriptions — ensuring your benefits program is properly documented and compliant.
Client Testimonials
What Our Clients Say
15 five-star Google reviews. Real clients, real results.
"We have ended up saving 70 percent on our processing and healthcare costs and we have been able to provide our employees with better coverage as well. I think transition from Trinet to Paylocity is lot easier when ServicePro is helping us with our health benefit management. We are a nationwide company with 60 locations in various states so our complexity needed a capable company."
Identity Verification Company
"Serena Kim has served as our Firm's broker for approximately six years, and I have collaborated closely with her for five of those years. By partnering with Serena Kim for our employee benefits planning, we were able to enhance our recruitment strategy significantly. She diligently secures comprehensive coverage at competitive rates and has expertly crafted a benefits package that enables us to attract highly qualified candidates while managing costs effectively. With consistently over 80+ employees across the US, this has made her an invaluable collaborator. I strongly endorse Serena Kim and her Team."
Law Firm
"Serena has been a game changer for our small consulting business across strategic planning and employee health insurance. She makes complicated stuff feel manageable, stays on top of everything without being chased, and actually thinks like a business owner. That's rare."
Technology Company
"As a small biotech company, navigating employee benefits can be a challenge, but ServicePro Insurance made the process seamless. Serena and Angela were incredible partners during our annual review. They took the time to understand our needs and found a provider that was a perfect match — not only saving us money but also ensuring we kept the best possible benefits for our team."
Biotech Company
"Over many years I have worked with Serena and she is by far the most responsive agent I have ever had the pleasure to work with. She takes every inquiry seriously, responds within a very short time and actually follows up with a resolution. In this day and age this is a rare quality. I would highly recommend anyone who has insurance needs seek out her services."
Law Firm
"As someone who handles the HR responsibilities for a small law firm, navigating employees' health insurance can be a bit overwhelming. When I run into trouble, Serena is there for me. She responds to my emails and phone calls almost immediately and always takes the time to help me work through the issue. I appreciate her patience and expertise! She provides me with peace of mind."
Law Firm
"We participate in Small Group Employer plans and have worked with Serena for the past five years. From the start, Serena has been exceptional. Her professionalism is top-notch. Her ability to carefully listen and tailor solutions to our specific needs and concerns has continued year after year — not only during open enrollment, but throughout the year whenever support is needed."
Food Processing & Packaging
"As a small business owner who wanted to provide medical coverage for our employees, I found Serena to be professional, knowledgeable, and helpful in the guidance and acquisition of the correct medical coverage for our staff. I found Serena's assistance and well-versed support very welcome as she quickly guided us online, minimizing operational impact and providing necessary tools to complete the process."
Staffing Agency
"Serena is amazing! Deeply knowledgeable of health insurance options and went above and beyond to make sure I chose the right plan. She's a life saver, thanks Serena!"
Biotech Company
"Over the past year, we've had the pleasure of working with Serena. She has been instrumental in assisting us with our insurance needs and consistently makes herself available to answer any questions we have."
Communications
"ServicePro has been a wonderful partner throughout the insurance process. Serena and her team are responsive and considerate of our business's needs. Their support has been invaluable, and our business is confident that our group's plan is in good hands."
Animal Hospital
READY TO EXPLORE YOUR OPTIONS?
See What's Possible
Beyond Your PEO
A free, no-obligation benefits comparison takes about 15 minutes. We'll show you what's available in the market and let you decide if it makes sense to make a change.