PEO Cost Calculator
This calculator turns a PEO quote into an annual number and shows what it leaves out. Enter your headcount, average wage and the administrative fee you were quoted; it does the arithmetic and lists the costs it cannot model for you.
What this tool does
It converts a quoted administrative fee into an annual cost, adds the statutory employer taxes it can compute from published rates, and then tells you plainly which large costs it has not included.
That last part is the point. Every PEO cost tool we looked at produces a single confident number. Almost none of them can produce a defensible one, because the three biggest variables — your workers' compensation class codes and experience modifier, your state unemployment rate, and your benefit plan design and enrolment — are not knowable from five form fields.
What it cannot tell you
- Whether a PEO is cheaper than your status quo. That comparison requires
your current carrier invoices, at a constant plan design and contribution split.
- Your workers' compensation premium. Class-code and experience driven.
- Your state unemployment cost. State-specific, and it depends on whose
experience rating applies under the arrangement.
- Your benefits cost. Plan design and enrolment rate dominate; a lower
headline number is frequently a thinner plan.
Why it will not guess
We hold no verified market rate data for PEO administrative fees yet. Until we do, the calculator asks for your quote and does arithmetic on it. The placeholder ranges it falls back to when you have no quote are structural defaults, labelled as such in the output, and this page is served noindex while that remains true.
Publishing a pricing tool built on invented numbers is precisely the credibility failure we point at elsewhere in this market. It would be an odd thing to do on our own pricing page.
When we have sourced rate data — from quotes we obtain ourselves, published rate sheets and service agreements — the ranges get replaced, the verification status flips, and the page publishes. The cost components table shows the current status of every rate the model holds.
Getting a quote worth entering
Ask for the administrative fee stated separately from insurance and statutory pass-throughs, in writing. The seven questions on the cost page are designed to produce exactly that. A bundled PEPM number entered into this calculator will produce a confident, wrong answer — the tool cannot tell that your "fee" already contains someone's health premium.
Next
- What a PEO costs and how the fee is structured
- Fees that do not appear in the quote
- How we verify data
Get matched with up to three PEOs
Answer six questions about your headcount, states and timeline. We shortlist providers that can actually serve you, and you choose which ones may contact you.
No obligation. You pick which providers get your details. We never sell your information to a data broker.