Health Net is exiting California's commercial group medical markets. Small groups have a CalChoice pathway that keeps Health Net through 1/1/27. Either way, deductions, plan codes and enrollment files need remapping. Payroll readiness checklist · Read the transition guide

Why Blue Ocean

The outside voice every HR team deserves.

We're not a payroll provider. We're not a PEO. We don't take commissions. That's the whole point. Blue Ocean Benefits, our sister brokerage, is paid standard carrier commissions that are built into filed rates.

Founder perspective

Over 20 years inside payroll, HCM, PEO, and benefits.

Kim Trowbridge, founder of Blue Ocean Payroll
Kim Trowbridge

Founder · California advisor

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Blue Ocean Payroll was founded by Kim Trowbridge, a California-based advisor and business owner with more than two decades of hands-on experience across payroll, PEO, HCM, and employee benefits. Kim has spent her career on every side of the table — from national payroll and HCM providers to PEO carriers to independent brokerage — giving her a rare, end-to-end view of how these systems really work, what they truly cost, and where employers quietly overpay.

That operator's perspective runs deep. Kim founded AmCheck, a payroll company, which she built and ultimately sold to iSolved in 2018. She is also the owner of Blue Ocean Benefits, an employee benefits consultancy, and founded TRG to help California businesses take advantage of training funding and workforce development programs.

That blend of ownership, implementation, and advisory work is the foundation of our practice. We've implemented and audited hundreds of HCM platforms, negotiated PEO renewals for companies from 5 to 500+ employees, and helped California employers untangle fragmented payroll, benefits, HR, and compliance stacks into something simpler, cleaner, and measurably less expensive.

Blue Ocean advisors collaborating with a California employer

Senior-level guidance stays in the room from the first conversation through implementation.

How we work

Advice built differently.

Six principles that keep every recommendation aligned with your business.

01

Truly independent

No provider referral fees, no software kickbacks, no hidden alliances. Our advice is worth what you pay for it — nothing more, nothing less. Blue Ocean Benefits, our sister brokerage, is paid standard carrier commissions that are built into filed rates.

02

Operator-led

Founded by the prior owner of a payroll company. We've built the products, hired the teams, and eaten our own cooking for 20+ years.

03

California-focused

State-specific expertise on wage & hour, sick leave, meal & rest, and the compliance minefield that comes with running teams in CA.

04

Concierge engagement

You don't graduate to a junior after the sale. The person who scoped the work is the person who does the work.

05

Data-driven

Every recommendation comes with the math. Cost, risk, time, and the tradeoffs — laid out so your CFO can defend the choice.

06

Zero pressure

If we can't help, we'll say so. If your current setup is right, we'll tell you. Repeat clients over transactions, always.

A focused business consultation with Blue Ocean

Curious whether we're a fit? So are we.

A 30-minute call, no prep required. If we're not the right fit, we'll usually know someone who is.

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