Most employers enter a PEO for one reason and stay for another: nobody has ever put the alternative on paper. We build that paper. An independent marketing analysis comparing your current PEO to other certified PEOs — or your direct carrier medical rates to PEO master plan pricing.
Certified PEOs (CPEOs) only. No non-certified providers, ever.
Who this is for
Three situations. One honest comparison.
You are already in a PEO
We benchmark your current PEO against other certified PEOs — master medical rates, admin fees, workers' comp loads, service model and technology — so you can see whether your incumbent is still competitive or simply comfortable.
You hold a direct carrier relationship
We compare your fully insured or self-funded medical rates against PEO master plan pricing for the same census, so you can see exactly what a PEO master plan would cost — and what it would deliver — before you ever change anything.
You are shopping the market cold
We run a structured marketing analysis across certified PEO partners, normalize every proposal onto one apples-to-apples grid, and give you a defensible recommendation you can bring to your board.
The analysis
Every dollar, on one page.
PEO proposals are built to be hard to compare. Different fee structures, bundled ancillaries, buried admin loads. We rebuild every offer onto a single total-cost-of-employment model so you are comparing outcomes, not sales decks.
A diagnostic of this scope would typically be a paid $2,500–$5,000 engagement. It is offered complimentary to qualified employers.
Census and current-plan data intake
Medical and Rx rate comparison — direct carrier vs. PEO master plan
Administrative fee build-up, line by line
Workers' compensation and SUI rate impact
Ancillary and voluntary benefit comparison
HR technology, payroll and service model review
Compliance and co-employment risk review
Total cost of employment model, year one and year two
Exit and renewal terms in the PEO service agreement
Written recommendation with a side-by-side scorecard
Certified PEOs only
Not every PEO earns a seat in the analysis.
We work exclusively with IRS-Certified PEOs. It narrows the field — deliberately. Certification is the difference between a payroll partner you can audit and one you have to trust.
IRS-certified only
A Certified PEO has been vetted by the IRS for financial stability, bonding and tax compliance. Non-certified PEOs are excluded from every analysis we run.
You are protected on payroll tax
With a CPEO, the certification provides relief from successor employment tax liability. If a non-certified PEO fails to remit, the exposure can land back on you.
No wage-base restart
Moving to a CPEO mid-year does not restart FICA and FUTA wage bases. That is real money — and a detail most PEO sales conversations skip.
The process
Simple and clear.
01
20-minute call
You describe your current setup. We confirm fit.
02
Share your data
Census, current rates, invoices. NDA in place.
03
We build the comparison
Certified PEOs marketed and normalized.
04
60-minute read-out
One grid, one recommendation, no jargon.
05
You decide
Stay, switch or renegotiate — with leverage.
Next step
Find out what you are actually paying.
Twenty minutes to start. Worst case, you learn your current arrangement is already competitive — and now you can prove it to your board.
Employers with 20–2,500 employees · NJ · NY · National