Employer Risk Advisory is the wholesale layer for PEO, ASO, and workers’ compensation placements. One intake, screened against every contracted market’s written appetite at the same time — not shopped one program at a time. The best co-branded offer comes back on the winning market’s paper. Same-day acknowledgment. Indication in 48 hours on a complete submission.
Founding Agent cohort · Limited partner slots for launch
ERA Agent Portal
Live board
4
Out to market
2
Indication
1
Bound
| Desert Ridge Framing | Out to market | 1 day |
| Copper Line Logistics | In appetite screen | 4 hrs |
| Saguaro Home Care | Indication returned | 2 days |
| Mesa Metal Works | Received | 35 min |
Sample data. Account names are fictional.
Mod ceiling
To 3.00 with a remediation story
Premium band
$25k – $2M annual WC premium
Prior cancellation
Fine — lapses and assigned-risk exits too
Turnaround
Same-day acknowledgment. Indication in 48 hours
How it works
01
Upload the client's existing census, loss runs, and workers' comp docs through the secure portal. Intake extracts and normalizes the data — no re-keying, no duplicate applications.
02
The engine screens the risk against every contracted market's written appetite — class codes, states, size, loss history — then routes to every carrier that qualifies. In parallel, not in sequence.
03
You receive the best indication on the winning market's paper, co-branded with your agency, ready to present. Life-of-client commissions locked at binding.
The portal
Submissions live in one system of record. You see which markets the file went to, what came back, what's still outstanding, and what you've earned year to date — without calling anyone for a status.
Every edit is journaled and every packet run is logged. Ask us why a market said no and we can show you.
ERA Agent Portal
Commission YTD · $12,480
3
Received
2
In appetite screen
4
Out to market
2
Indication returned
1
Bound
| Account | Stage | Missing | Age |
|---|---|---|---|
| Desert Ridge Framing | Out to market | — | 1 day |
| Copper Line Logistics | In appetite screen | Loss runs (yr 3) | 4 hrs |
| Saguaro Home Care | Indication returned | — | 2 days |
| Mesa Metal Works | Received | Payroll by class code | 35 min |
Sample data for illustration. Account names are fictional.
Why ERA
Appetite is screened by a versioned rules engine against each market's documented guidelines — not a phone call to an underwriter who may or may not remember. Same file, same answer, every time.
Every edit journaled, every packet run logged. Ask us why a market said no and we can show you the reason on the file.
Every qualifying market sees the same complete packet at the same time. Parallel screening, not four applications in sequence.
Every contracted market operates on the same compensation terms, so routing is provably appetite-driven. The footer disclosure is the structural proof.
Contracted panel: 2 PEO · 1 ASO · 1 WC. Named markets are disclosed at contracting — a confidentiality decision that protects both the panel and the producer.
The capability to route production from independent P&C and benefits agencies through a single vetted channel — being built now with the Founding Agent cohort, not claimed as an installed base.
For Agents & Brokers
For PEO & ASO Partners
01 · Quality inbound flow
Pre-filtered, appetite-matched submissions from our agent network — universal intake, complete packets, neutral routing on identical terms.
02 · WC route-out for declined groups
When your bundled carrier won't write the workers' comp, keep the admin relationship. We place the WC through a qualifying market and hand the client back — so a declination doesn't cost you the account.
Case outcomes
Construction · 3 states
Challenge
Mod at 2.14 after two lost-time claims. Incumbent non-renewed 40 days from expiration; two retail markets already declined.
What we did
Loss runs normalized, payroll rebuilt by class code, and a remediation narrative attached. Screened against written guidelines and routed in parallel to every market on the panel that writes the class above a 2.00 mod.
Outcome
Two indications returned inside 48 hours. Bound on PEO paper before expiration.
Home care · single state
Challenge
Group already on a PEO platform. The bundled workers' comp carrier declined the renewal; the PEO stood to lose the whole admin relationship.
What we did
Routed the workers' comp out as a standalone placement while the client stayed on the PEO for payroll, benefits, and HR administration.
Outcome
Comp placed with a qualifying carrier. PEO kept the account.
Light manufacturing
Challenge
Assigned-risk exit with a coverage lapse in the prior term and misclassified payroll on the expiring dec page.
What we did
Classification corrected before submission, gap documented, and the file screened against each market's lapse and assigned-risk rules rather than shopped blind.
Outcome
Voluntary-market placement at a materially lower cost than the assigned-risk term.
Illustrative composites of the file types this desk works. Not specific placements. Every account is underwritten on its own facts by the market that writes it.
The desk
Steve Holmes spent 37 years in PEO and workers’ compensation — producing more than $100 million in premium and building operating companies on the market side of the table.
ERA exists because of what that vantage point makes obvious. Hard accounts don’t die because no market will write them. They die because nobody screened them against written appetite before the fourth application went out — and by then the file is stale, the client is nervous, and the incumbent has already won.
The engine is that judgment, written down and made repeatable. The desk is the part that isn’t automated — and when you call 602-370-5846, you reach it.
Day-One Placement
High-mod, tough class codes, multi-state, and complex loss histories placed with markets that specialize in each.
Direct access to a curated panel of PEO and ASO markets on identical, neutral terms — the best fit wins, not the highest commission.
Plus risk management and claims advocacy as advisory capabilities, engaged on request — not packaged into every placement. See how they work →
Whether you're a PEO seeking quality submission flow or an agent looking for the right market for a complex risk, we're built to move it forward — today. Call 602-370-5846.