Small Business

Your health insurance renewal just came in with a double-digit increase, and your PEO rep doesn't have a great answer for why. A PEO isn't the only way to handle rising costs. This post walks through the alternative stack — pay-as-you-go workers' comp, integrated payroll, ICHRA, and à la carte HR — so you can figure out whether unbundling actually makes sense for your business before your next renewal lands.

If you're shopping for a PEO and trying to figure out what it's going to cost before you get on a call with anyone, this post is for you. The ranges are real, and the variables that affect the number are specific. By the end, you'll know whether the math works for your business before you talk to a single sales rep. How PEOs Charge: Two Models PEO pricing runs on one of two structures. Which one you're quoted matters for how you evaluate it. Percentage of Gross Payroll is the