What data do you publish?

A 50-state PEO regulatory dataset, downloadable as one CSV with every cell linked to a primary source or explicitly empty. Provider pricing data is collected next; an annual Pricing Transparency Index will follow once the record clears the data gate.

Why is the pricing index not published yet?

Because an index needs verified provider pricing on file — quoted rates, rate sheets or published fee schedules with sources and dates. No provider record holds one yet, and an index built on estimates would be the industry's usual page with our name on it.

What license applies to the datasets?

The state regulatory dataset is published under CC BY 4.0 — free to use, remix and cite with attribution. The same license policy will apply to any dataset we publish.

How do I read the research queues?

Every unpublished record carries a "research queue": the specific primary sources an analyst needs to pull to publish it. That queue doubles as our work order and as your audit trail.

PEO Provider Cheat Sheet

One page, every tracked provider. Who each PEO fits, the verified facts that back that fit, and the two things to check before you sign. Nothing here is invented: everything traces to a source on the provider profile it links to.

Written by Peolet Editorial · Reviewed by Peolet Editorial · Last verified 2026-09-03

This sheet condenses each profile page in the provider directory. Pricing is stated only where a source with a date is on file; everywhere else the record says “Not verified,” and so does the sheet. Rankings are not part of it — fit is a statement about your employer profile, not a league table.

ADP TotalSource

ul><li>IRSCPEOcertificationisverifiedagainsttheIRSpubliclist,sourcedontheprofile.</li><li>Enterprise-gradecomplianceandmulti-statecoveragewithdedicatedaccountmanagement.</li><li>Formagreementallowseitherpartytoexiton30days’writtennotice,sourcedonthecontract-termstable.</li></ul>

At a glance	Larger, multi-state or compliance-heavy employers. IRS CPEO certification is verified on the public IRS list.
What checks out	<

ADP TotalSource

Larger, multi-state or compliance-heavy employers. IRS CPEO certification is verified on the public IRS list.

IRS CPEO certification is verified against the IRS public list, sourced on the profile.
Enterprise-grade compliance and multi-state coverage with dedicated account management.
Form agreement allows either party to exit on 30 days’ written notice, sourced on the contract-terms table.

ADP TotalSource — watch list

No published rate — pricing is a custom quote (verified).
Benefits and workers’ compensation are bought separately and sit outside the administrative fee.

Full ADP TotalSource profile

Justworks

ul><li>Publishedpricing—$79peremployeepermonth(PEOBasic),$124(PEOPlus),nobasefee—sourcedontheprofile.</li><li>Transparentcostmodeling:noowner’smanualrequiredtoturnaquoteintoanumber.</li></ul>

At a glance	Small teams of two or more that want published, self-serve pricing and fast onboarding.
What checks out	<

Justworks

Small teams of two or more that want published, self-serve pricing and fast onboarding.

Published pricing — $79 per employee per month (PEO Basic), $124 (PEO Plus), no base fee — sourced on the profile.
Transparent cost modeling: no owner’s manual required to turn a quote into a number.

Justworks — watch list

Per-employee pricing gets expensive for payrolls with high average wages, where a percentage model may track revenue better.
The service layer is lighter than white-glove providers; good match if you want to self-serve.

Full Justworks profile

TriNet

ul><li>Flatper-employee-per-monthfee;neverapercentageofpayroll(verifiedpricingmodel).</li><li>Enterprise-gradebenefitsaccessacrossthesizerangeitserves.</li></ul>

At a glance	Small-to-midsized companies, from 5 to more than 1,000 employees, that want fee predictability.
What checks out	<

TriNet

Small-to-midsized companies, from 5 to more than 1,000 employees, that want fee predictability.

Flat per-employee-per-month fee; never a percentage of payroll (verified pricing model).
Enterprise-grade benefits access across the size range it serves.

TriNet — watch list

No published fee schedule — the flat fee itself is quoted per employer.
Benefits, workers’ comp and payroll taxes are billed separately from the service fee.

Full TriNet profile

Insperity

ul><li>Deepservicemodel:adedicatedHRteamhandlingbenefits,complianceandemployeeissues.</li><li>Pricingmodelverifiedonfile(HRCoreper-employee-per-month;customproposalforHR360andHRScale).</li><li>NofixedtermunderthestandardClientServiceAgreement,perthecontract-termstable.</li></ul>

At a glance	Employers of roughly 25–100 people that want a dedicated team and service depth.
What checks out	<

Insperity

Employers of roughly 25–100 people that want a dedicated team and service depth.

Deep service model: a dedicated HR team handling benefits, compliance and employee issues.
Pricing model verified on file (HRCore per-employee-per-month; custom proposal for HR360 and HRScale).
No fixed term under the standard Client Service Agreement, per the contract-terms table.

Insperity — watch list

No published rate — the HR360/HRScale proposals are custom.
Ask directly about experience with your industry before assuming a match.

Full Insperity profile

BBSI

ul><li>Publicsince1993;8,100+PEOclientsacrossall50states(verifiedprofilefacts).</li><li>ESAC-accredited,andbuiltaroundlocalbrancheswithin-marketmanagers.</li></ul>

At a glance	Buyers who want branch-local, face-to-face accountability from a public company.
What checks out	<

BBSI

Buyers who want branch-local, face-to-face accountability from a public company.

Public since 1993; 8,100+ PEO clients across all 50 states (verified profile facts).
ESAC-accredited, and built around local branches with in-market managers.

BBSI — watch list

PEO plus staffing model — confirm which entity carries the payroll relationship.
Quote-based pricing; no published rate on record.

Full BBSI profile

Gusto

ul><li>Nocontracts;cancelanytime—month-to-monthisthemodel(sourcedontheprofileandcontract-termspage).</li><li>Publishedplanpricing,sothefeeischeckablebeforeyoucommit.</li></ul>

At a glance	Very small teams and contractor-only businesses that want month-to-month flexibility.
What checks out	<

Gusto

Very small teams and contractor-only businesses that want month-to-month flexibility.

No contracts; cancel anytime — month-to-month is the model (sourced on the profile and contract-terms page).
Published plan pricing, so the fee is checkable before you commit.

Gusto — watch list

Not listed on the IRS CPEO list (verified) — if CPEO matters to you, it does not apply.
The contractor-only plan is a payroll and contractor-management product, not full co-employment.

Full Gusto profile

Paychex PEO

ul><li>Builtonanestablishednationalpayrollinfrastructure.</li><li>Profilerecordspricingmodel,certificationsandcontracttermswithsources,orflagsthemunverified.</li></ul>

At a glance	Payroll-first buyers who want a PEO from an established payroll vendor.
What checks out	<

Paychex PEO

Payroll-first buyers who want a PEO from an established payroll vendor.

Built on an established national payroll infrastructure.
Profile records pricing model, certifications and contract terms with sources, or flags them unverified.

Paychex PEO — watch list

Coverage depth on our record is lighter than the category leaders — check the profile for CPEO status.
Confirm the exact plan tier on the quote; the price is not published.

Full Paychex PEO profile

Rippling

ul><li>OnesystemspanningHR,ITandpayroll—theplatformintegrationisthedifferentiator.</li><li>Quote-based;theproformaisontheprofile.</li></ul>

At a glance	Tech-forward companies that want PEO plus HR, IT and payroll on one platform.
What checks out	<

Rippling

Tech-forward companies that want PEO plus HR, IT and payroll on one platform.

One system spanning HR, IT and payroll — the platform integration is the differentiator.
Quote-based; the pro forma is on the profile.

Rippling — watch list

PEO availability is state-by-state — verify your states before assuming coverage.
No published rate; the combined-platform quote needs an unbundled admin fee.

Full Rippling profile

Sequoia One

ul><li>Customplandesignratherthanone-size-fits-alltiers.</li><li>Benefitsandcompliancenavigationaimedatfundedcompanies.</li></ul>

At a glance	Growth-stage startups that want configurable, custom-quote HR and benefits.
What checks out	<

Sequoia One

Growth-stage startups that want configurable, custom-quote HR and benefits.

Custom plan design rather than one-size-fits-all tiers.
Benefits and compliance navigation aimed at funded companies.

Sequoia One — watch list

Neither a standard term nor a cancellation notice is published — the contract-terms page says so.
Quote-only; no published fee schedule.

Full Sequoia One profile

Vensure

ul><li>Verified50-stateplusCanada/Mexicofootprint;PEO,ASOandEORononeplatform.</li><li>Pay-as-you-goHRservicesratherthanabundledpackage.</li></ul>

At a glance	Multi-state and multi-country footprints that want PEO plus ASO/EOR options.
What checks out	<

Vensure

Multi-state and multi-country footprints that want PEO plus ASO/EOR options.

Verified 50-state plus Canada/Mexico footprint; PEO, ASO and EOR on one platform.
Pay-as-you-go HR services rather than a bundled package.

Vensure — watch list

Quote-based; no published rates (verified).
The a la carte menu means you assemble the scope — define it before you compare quotes.

Full Vensure profile

CoAdvantage

ul><li>Founded1997,small-businessfocusisthecoreposition(verified).</li><li>AcquiredbyPEMCOin2023,givingitalargerparent.</li></ul>

At a glance	Small businesses that want a provider built around the small-business segment.
What checks out	<

CoAdvantage

Small businesses that want a provider built around the small-business segment.

Founded 1997, small-business focus is the core position (verified).
Acquired by PEMCO in 2023, giving it a larger parent.

CoAdvantage — watch list

CPEO and ESAC are reported by trade reviews but the registry check is still pending on our record.
Ask for the certifications in writing and verify them against the IRS and ESAC directories before signing.

Full CoAdvantage profile

Engage PEO

ul><li>CPEOsinceJanuary2017andESAC-accreditedsince2012(bothsourced).</li><li>HRdeliverymixesattorneyswithHRprofessionals—unusualinthecategory.</li><li>100,000+employeesserved,pertheprofilerecord.</li></ul>

At a glance	Companies that want compliance answers with legal footing.
What checks out	<

Engage PEO

Companies that want compliance answers with legal footing.

CPEO since January 2017 and ESAC-accredited since 2012 (both sourced).
HR delivery mixes attorneys with HR professionals — unusual in the category.
100,000+ employees served, per the profile record.

Engage PEO — watch list

Six acquisitions in four years — ask which legal entity signs your agreement after integrations.
Quote-based pricing; no published rate.

Full Engage PEO profile

PrestigePEO

ul><li>Triple-accredited:CPEO,ESACandCIRSAdesignationsallonrecord.</li><li>Licensedinall50states;broker-channeldistribution.</li></ul>

At a glance	Mid-market employers of roughly 10 or more that work with a broker.
What checks out	<

PrestigePEO

Mid-market employers of roughly 10 or more that work with a broker.

Triple-accredited: CPEO, ESAC and CIRSA designations all on record.
Licensed in all 50 states; broker-channel distribution.

PrestigePEO — watch list

Quote-only — pricing depends on the proposal, not a published schedule.
Because distribution runs through brokers, compare the underlying admin fee, not the broker’s adder.

Full PrestigePEO profile

FrankCrum

ul><li>Family-ownedsince1981;PEOsince1986;ownsitsworkerscompcarrier,FrankWinstonCrumInsurance.</li><li>4,000+clients,pertheverifiedprofile.</li></ul>

At a glance	Companies that want an owner-operated PEO with its own workers comp carrier.
What checks out	<

FrankCrum

Companies that want an owner-operated PEO with its own workers comp carrier.

Family-owned since 1981; PEO since 1986; owns its workers comp carrier, Frank Winston Crum Insurance.
4,000+ clients, per the verified profile.

FrankCrum — watch list

Quote-based pricing; no published rate.
Confirm your class codes are a good fit for the captive carrier relationship before you rely on it.

Full FrankCrum profile

How to use this sheet

Shortlist two or three providers whose “fits” column matches your employer profile, not the biggest brand.
Pull a written, unbundled quote from each — administrative fee stated separately from insurance and statutory pass-throughs — using the seven questions on the cost page.
Price the three quotes with the cost calculator and read the hidden-fees page before you compare totals.

What this sheet will not do

It does not rank providers — a rank requires the verified pricing record we refuse to fake — and it does not state a rate that is not on file. A field that reads “Not verified” on a profile is the honest gap: the source has not cleared our gate yet.

Deep dives: contract terms for every tracked provider · contract-term statistics · negotiating the administrative fee · provider directory