We work for you, not the PEOs — unbiased advice, free comparison, same-day follow-up · Call us: (631) 634-5907
Independent · 46 States · 28 PEOs

Picking a PEO shouldn’t take
six weeks and a spreadsheet.

We compare 28 PEOs against your business, surface the line items the sales rep glossed past, and stay through year two — when the renewal math actually shows up.

No cost · No obligation · 2 min

Evaluating 28 PEOs across 46 states
TriNetJustworksInsperityRipplingADP TotalSourcePaychex PEO
and 22 more — see full list ↓
Our Approach

The PEO market is opaque on purpose.
We’ve spent a career inside it.

Most companies don’t realize they’re overpaying — they realize they’re confused. We translate the contracts that were written to be signed, not understood.

i.UNDERSTAND

One 15-minute call

Headcount, geography, current setup, what's quietly broken. No slide deck. No pitch.

ii.MAP

We score 28, present 3

Side-by-side on fees, carriers, multi-state, exit terms. The fit, not the pitch.

iii.NEGOTIATE

We push back on every line item

SUTA spread, EPLI bundling, setup fees, renewal-adjustment language. We've seen every contract trick because we've seen every contract.

What others won’t do
iv.STAY

Year two is the test

Most brokers disappear after implementation. We're here for the renewal review, the rate benchmark, and the exit — if it comes to that.

Our discipline

Three things we won’t do.

Boutique advisory firms communicate through constraints. These are ours.

i.

Carry fewer than 10 PEOs.

Brokers carrying one or two captives aren't brokers — they're channel sales. We carry 28 because anything less is a sales motion in a consultant's suit.

ii.

Take volume bonuses.

No PEO pays us extra for steering you their way. Our rate is the same whether you pick TriNet, Justworks, Insperity, or none of the above.

iii.

Disappear after the signature.

Year-two renewal review is included in every engagement. So is the exit conversation if the PEO stops delivering. We're paid once; we work for as long as you stay.

We were quoted $226K for an 84-person team. PEO Consulting Partners surfaced $48K in line items we never agreed to — SUTA markup, EPLI we didn’t need, ‘service coordination’ fees nobody could explain. We renegotiated the next day.
Operations Leader · 84-Person SaaS · Denver

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Five inputs. Real numbers across health insurance, workers comp, HR time, and 401(k) admin. No signup wall.

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48-Hour Quote Audit

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Send it over. We’ll tell you in 48 hours what you’re actually paying for — and whether you can do better.

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Free · No commitment · 48-hour turnaround

Background

What is a PEO?

A PEO (Professional Employer Organization) is a company that partners with businesses to handle key HR functions like payroll, benefits, compliance, workers’ compensation, and risk management — all under a shared “co-employment” model.

Your employees remain your team, and you still run your business. The PEO simply becomes the administrative employer for HR, payroll, and compliance purposes — giving you access to stronger infrastructure and support.

What does a PEO actually do?

01

HR & Payroll

Payroll runs, tax filings, onboarding, terminations, garnishments — the operational tax that grows linearly with headcount.

02

Compliance & Risk

Multi-state employment law, worker classification audits, EPLI coverage, OSHA exposure. The risk you don't know you have until you do.

03

Employee Benefits

Medical, dental, vision, 401(k), life, disability — bought at a co-op's pricing instead of yours. Fortune-500 carriers, mid-market premiums.

04

Workers' Comp

Master policy, NCCI class codes, claims handling, return-to-work. Often the largest single line item after benefits — and the easiest to mis-bill.

The full list

Every major PEO. One conversation.

We have active broker relationships with every major PEO. We’re paid the same regardless of which one fits.

ADP TotalSourceInsperityJustworksRipplingPaychex PEOG&A PartnersInTandem HRSequoia OneOasis (Paychex)QuestcoEngage PEOPrestigePEOExtensis HRVinceraEmployer FlexibleAbel HRAxcet HR SolutionsCoAdvantageAmbrose Employer GroupEmployer Solutions Staffing GroupHuman Capital SolutionsInfiniti HRNexGen HCMOneSource VirtualPropel HRResourcing EdgeSynergy HR SolutionsTriNet

Independent PEO broker — serving 46 states.

Every major PEO, compared against your state’s rules and your business’s shape.

View all states with full PEO comparison guides →
Questions, answered

What people actually ask.

What is a PEO?

A Professional Employer Organization (PEO) is a company that handles HR, payroll, employee benefits, workers compensation, and compliance for your business through a co-employment arrangement. You retain full control of your business — the PEO handles the administrative burden.

What does a PEO broker do?

An independent PEO broker compares multiple PEOs on your behalf, negotiates pricing using market leverage, and manages the selection and transition process. The service is free to you — the broker is paid by the PEO you choose as a standard part of their channel partner program.

How much does it cost to use PEO Consulting Partners?

Our service is completely free to you. PEO Consulting Partners is compensated by the PEO you ultimately choose, as part of their standard broker program. This does not increase your rate — we negotiate on your behalf and clients typically save 10-30% versus going to a PEO directly.

Which PEOs does PEO Consulting Partners compare?

We compare 28 PEOs including Justworks, Rippling, ADP TotalSource, Insperity, Paychex PEO, Oasis, Questco, Engage PEO, TriNet, G&A Partners, CoAdvantage, PrestigePEO, and more. We are independent and not affiliated with any PEO.

How long does it take to get a PEO comparison?

We follow up same day after you submit your information. Most clients receive their custom PEO comparison within 1-2 business days. Implementation after selecting a PEO typically takes 4-8 weeks.

Should I use a PEO broker or go directly to a PEO?

Going to one PEO directly means you're hearing one sales pitch with no benchmark. An independent broker compares multiple PEOs side-by-side, has visibility into actual pricing across the market, and negotiates on your behalf. The broker is paid by the PEO, not by you, so there's no cost to use one. The trade-off: a broker who only represents one or two PEOs isn't really independent. Look for brokers covering 10+ PEOs.

How do PEO brokers get paid?

Independent PEO brokers are paid by the PEO you ultimately select, as part of that PEO's standard channel partner program. The compensation does not increase your rate — it comes out of the PEO's margin, not added to your invoice. This is identical to how insurance brokers and most B2B software channel partnerships work.

What's the catch with a free PEO broker?

The catch to watch for is brokers who only represent one or two PEOs — they'll steer you toward those regardless of fit. A true independent broker covers 10+ PEOs and is willing to recommend you stay with your current setup if that's actually the right call. PEO Consulting Partners covers 28 PEOs and is paid the same regardless of which one you choose.

Which PEO is cheapest?

There is no single cheapest PEO — pricing depends on team size, geography, benefits requirements, and risk profile. Justworks and Gusto tend to price competitively for very small teams (under 25 employees). TriNet and Insperity often win on mid-market deals with strong benefits requirements. Rippling and ADP TotalSource can be competitive for tech-forward companies. The only way to know what's cheapest for your specific business is to compare actual quotes — which is what a broker does.

Can a PEO broker negotiate my renewal?

Yes — and this is where most brokers disappear. A good broker reviews your renewal proposal before you sign, benchmarks the rate increase against market, pushes back on unexplained adjustments, and helps you exit if the renewal is uncompetitive. PEO Consulting Partners includes year-two renewal review as part of every engagement.

Ready to know what you’re actually paying for?

Start with a 15-minute call. We do the rest — comparison, negotiation, renewal review, exit if it comes to that.