A Texas PEO broker who works for you, not for a provider
Choosing a PEO in Texas isn't a price decision. It's a workers' comp decision, a benefits-access decision, and a contract decision — and the wrong one locks you in for a year.
We compare options objectively across providers so you can choose on merits. Based in San Antonio and serving Austin and the Hill Country, working statewide and with multi-state employers headquartered here.
Independent broker vs. a single-provider rep
Both will call themselves a consultant. Only one of them can recommend against the sale.
How the evaluation runs
Understand your workforce, risk profile, and goals
Identify which PEO models are realistic fits
Compare pricing, benefits, comp, and service levels
Review tradeoffs and long-term implications
Support implementation if you move forward
Clarity before commitment. Nothing gets signed on a first call.
A broker-led approach earns its keep if you
- Operate in a higher-risk Texas industry
- Want real visibility into comp and benefits costs
- Are holding two or more PEO quotes right now
- Have been unhappy with a current PEO
- Are expanding across states from a Texas base
Before you talk to us, read this
Not every broker is independent, and the word gets used loosely. We wrote the questions we'd want you to ask us.
How to choose a PEO broker →The workers' comp decision no other state makes you make
Texas is the only state where a private employer can legally decline workers' compensation coverage. If you've opted out, you're a non-subscriber — and that single status changes what a PEO is worth to you more than headcount, industry or payroll ever will.
Most PEO quotes never ask. We ask first, because the answer changes the math.
What opting out actually costs you
Carrying comp gives you the exclusive remedy — an injured employee's claim goes through the system instead of into a courtroom. Drop coverage and that protection goes with it.
- An injured employee can sue you directly for negligence, seeking pain and suffering and punitive damages that comp does not pay.
- You lose the common-law defenses employers normally rely on, including assumption of risk and contributory negligence — which makes liability materially easier to establish against you.
- You must file notice with the state annually — DWC Form-005, between February 1 and April 30 — and tell your employees where you stand.
Where a PEO changes the equation
A PEO's master workers' comp policy is often the cheapest route back to real coverage — you get pooled pricing you could not buy alone, and the exclusive remedy comes back with it.
- Employers with a rough claims history or a high experience modifier frequently price better inside a master policy than on their own.
- Non-subscriber liability plans are not workers' comp. They are a different product with different exposure, and the comparison has to be run honestly.
- If staying a non-subscriber is genuinely the better answer for you, we'll say that — it's the same fee to us either way.
Not sure which one you are? Plenty of Texas owners inherited the decision from a predecessor and have never revisited it. If you don't know whether you filed a DWC-005 this year, that is worth ten minutes of a phone call — 830-500-5293.
General information for Texas employers, not legal advice. Your own counsel and your carrier should confirm anything you act on.
Compare Texas PEO options
Free to your business. The PEO you choose pays the broker fee — and it's the same fee whichever one you pick.
Questions employers ask us first
Do you work with Texas-only businesses?+
Texas is the primary focus, but many of our clients also run employees in other states — and multi-state complexity is one of the main reasons a PEO becomes worth it.
Does using a broker increase PEO cost?+
No. Broker compensation is typically built into PEO pricing already and does not increase what the employer pays.
Can you help if I already have PEO quotes?+
Yes. Reviewing proposals you already hold is common and often reveals meaningful differences — usually in workers' comp assumptions and renewal terms rather than the headline fee.
What if a PEO isn't the right fit?+
Then we evaluate the alternatives: payroll-only providers, ASO arrangements, or leaving things as they are. Recommending against a PEO costs us the fee, and we do it anyway.
How is a broker different from a PEO's own sales rep?+
A rep is paid to place you with one company. We're paid the same regardless of which PEO you choose, which is what makes an honest comparison possible.