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Free ROI Analysis Tool

PEO vs. Going At It Alone —
See the True Cost

Enter your company details to compare a Professional Employer Organization against purchasing benefits, payroll technology, HR software, workers' compensation, and EPLI coverage on your own. Instantly see where you save — or overpay.

5 Cost Categories
3-yr Savings Projection

This calculator is for illustrative purposes only. Each company's exact costs will be established through the formal quoting process. Actual benefit premiums, workers' compensation rates, and all renewal cost increases are passed through to the client at cost via the PEO.

Company Profile

Full-time W-2 employees
$
Per employee, gross

Benefits Costs (Monthly Per Employee)

$
Employer-paid monthly premium
$
Employer-paid monthly premium
40%
Estimated % of workforce with dependent health coverage
$
$
$
$
$
Any annual fee paid to a broker or benefits platform

HR & Payroll Technology (Monthly)

$
$
$
$
$
Monthly subscription. All tech typically included in a PEO's platform fee.

Internal HR Staffing

Use 0.5 for part-time dedication
$
25%
Typically 20–30% of salary. Includes FICA, health, 401k, etc.

Insurance & Compliance

Fixed at $115 per employee / year — standard EPLI market rate
$
Attorney retainer, poster services, handbook updates, etc.

PEO Pricing

$
Typical range: $100–$200/employee/month. Covers HR, payroll, compliance & tech.

PEO fees generally include payroll processing, HR tech, compliance support, WC program management, and benefits administration — these costs are credited back in the analysis.

Your results will appear here

Fill in your company details on the left, then click Calculate My ROI to see a full cost breakdown and savings projection.

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