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Reviews

Best PEO Companies

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Time to grab the secret to a turn-key way to hiring top-tier prospects. You need software tailored to help. We spent dozens of hours, cherry-picking the top 15 providers, then we lasered in on the elite five we recommend below. Our best for most is Amplify PEO. They allow you to choose, from full-service selection or a pick and choose a custom path for your business. Making them extremely unique and ideal for most.

The Best PEO Company for Most Businesses

Amplify Logo

Amplify PEO

Best for Most

Choose from full-service or a la carte PEO options that can save you up to $1,185 per employee per year while offloading administration tasks, automating repetitive activities, and delivering better employee benefits without the enterprise-grade price tag.

Our top recommendation for most businesses is Amplify PEO. You can choose between a full-service solution or a la carte services, depending on what you need. You also get all-inclusive (and intuitive) HR software designed to help automate and streamline your HR processes. 

It’s an excellent option for any business interested in delivering world-class HR support and benefits to its employees without hiring an in-house team. Amplify PEO makes it easy to Snag your free quote and get started. 

The 5 Best PEO Organizations to Consider: 

  1. Amplify PEO – Best for most
  2. Justworks – Best for businesses without an in-house HR department
  3. Paychex – Best for growing SMBs with fewer than 49 employees
  4. Insperity – Best for businesses with more than 150 employees
  5. ADP TotalSource – Best for businesses needing full-time HR support

When Does It Make Sense to Invest In PEO Services?

Do you want to run payroll or other HR tasks better? Need help with compliance? Well, investing in PEO services is a smart decision. 

However, it’s crucial to keep in mind that you’re investing in a co-employment agreement. Your PEO company becomes the employer for your business, and they become responsible for filing payroll taxes using their own EIN (instead of yours). 

In this type of agreement, you lose a bit of control by inviting a third-party into your business. 

So you need to be ready for that.

But if your tired of handling everything on your own and you want to kick your feet up and give some of the eye gouging work away to someone else this service is right up your alley.

At the end of the day, you have to decide which route is best for your business. 

With that said, if you’re a micro-business, a solopreneur, or a freelancer, you probably don’t need full-blown PEO services since you don’t have to worry about a lot of the HR tasks they typically take care of for you. 

#1 – Amplify PEO — The Best for Most

Amplify Logo

Amplify PEO

Best for Most

Choose from full-service or a la carte PEO options that can save you up to $1,185 per employee per year while offloading administration tasks, automating repetitive activities, and delivering better employee benefits without the enterprise-grade price tag.

Amplify PEO is our #1 recommendation for most businesses. From software and services to personalized 1:1 support, you get everything you need in an HR department. 

Its full-service (or a la carte) HR management services paired with intuitive, all-in-one HR software empower you to focus on other aspects of running your business. Not only does this help you save time, but it also helps you save money.

Partnering with Amplify PEO means you can offload all things HR, spend less money on better employee benefits, and avoid costly compliance and tax-related mistakes along the way. 

You get all of those cost-saving benefits without hiring more employees (who would also need insurance, paid time off, and more). 

In fact, companies working with Amplify PEO save around $1,185 per employee every year. Even if you only have ten employees, that’s almost $12k in savings year over year!

There are four packages to choose from, including:

  • Payroll – administration, W-2 prep, HR reporting, and PTO tracking
  • Benefits – medical, dental, vision, supplemental, FSAs, and an assistance program
  • HR & Retirement – policies, onboarding, development, and retirement planning
  • Risk management – workers’ comp, safety reviews, liability insurance, and law posters

You can pick and choose what you need or opt for all four to enjoy a full-service PEO solution. That level of flexibility is one of the many things we love about Amplify PEO.

Aside from services, you and your employees also get access to all-inclusive HR software. With it, employees can manage their PTO, view pay stubs and tax documents, put in vacation requests, and select their benefits packages. 

This gives them the control they deserve while eliminating the need for them to come to you to request time off or print out their W-2. 

If you have in-house HR or you’re handling it yourself, you’ll appreciate the ability to automate payroll runs, manage various benefits options, onboard new employees in a few clicks, and manage employees with ease. 

However, the best part about Amplify PEO may be its human-first approach to customer service. 

If you ever need help with anything, want to walk through something with an HR professional, or need help deciding which services you need, you can call any time to speak with a real human. 

You won’t be routed through a call center or connected with outsourced agents who don’t know enough to help you out. 

All of Amplify PEO’s packages are custom-fit to match your business’s needs. So, you won’t find any pricing information online. But the good news is that you can rest easy knowing you’re getting a custom PEO package without paying for services you don’t need. 

This also gives you a chance to talk things through with someone who knows the services and industry inside and out.

Get a free quote to learn more and get started with Amplify PEO today!

#2 – Justworks — The Best for Businesses Without an In-House HR Department

Justworks Logo

Justworks

Best for Businesses Without In-House Support

JustWorks delivers everything you need to give your employees the HR support they deserve. Get immediate access to world-class HR automation software, dedicated hands-on expert support, and enterprise-grade benefits without breaking the bank. Plans start as low as $39/employee per month!

Without an in-house HR team, you’re looking for comprehensive PEO services that aren’t going to break the bank. Justworks gives you just that—plentiful support for payroll, HR, and compliance, plus top-notch benefits partnerships and a team of expert staff members behind the scenes. 

Justworks’ offerings start with what they provide in the following areas:

  • Payroll: Automate direct deposits for employees and pay contractors and vendors
  • Core HR functions: Onboarding, PTO, documentation, policy setting, reporting, and more
  • Compliance: State and federal taxes, workers’ comp, unemployment insurance, and regulations
  • Employee access: Paperwork, paystubs, tax and deposit documents, benefits information, PTO, and policies

In those four categories, you get all the PEO assistance you’d need to compensate for your lack of an HR department. Plus, the software is easy to use. So, there won’t be much of a learning curve for whomever will serve as admin on the platform.

But, one of the biggest reasons smaller teams invest in PEO services is access to better healthcare packages. JustWorks offers access to its benefits partners as an add-on if you need it. 

Those partners include Aetna, United Healthcare, and Kaiser, all of which are nationally recognized healthcare providers with numerous packages to choose from. 

For dental and vision coverage, your employees can choose from various MetLife plans. 

With the add-on, your employees also get access to modern health and wellness packages to encourage strong mental and physical health. Plus, you can get help with 401(k)s, HSAs, and commuter benefits to keep your team engaged, healthy, and happy. 

And, if you ever need help using the software—or you want to consult an expert on how to navigate a more unique issue or situation—you can contact JustWorks support 24/7 via Slack, SMS, phone, email, or live chat.  

JustWorks is also one of the only PEO companies we’ve found that publishes its pricing online without the need for a 1:1 consultation to get started. 

If you have fewer than 25 employees, JustWorks plans include:

  • Basic – $49 per employee per month
  • Basic + Benefits – $99 per employee per month

However, those costs go down to $39 per employee per month and $79 per employee per month respectively if you have more than 100 employees.

If you need a PEO package that covers all the bases at a predictable, reasonable price, Justworks is the provider you’ve been looking for.

Get in touch with Justworks today to fill your HR gap in no time.

#3 – Paychex — The Best for Growing SMBs With Less than 49 Employees

Paychex Logo

Paychex

Best for Growing SMBs

With 45+ years of experience in the industry plus more than 650,000 happy customers around the world, Paychex delivers a full-service PEO option that empowers you to spend more time growing your business rather than handling HR-related activities.

Paychex is one of the most popular HR management companies, with more than 45 years of experience and over 650,000 customers of all shapes and sizes. 

While Paychex offers various HR management services and technology, it also provides a full-service PEO option for small businesses. With it, you get the best of both worlds in top-of-the-line software and one-on-one HR services that scale alongside your business. 

As a result, you get “big-business” HR automation and processes without the expensive price tag of hiring a full HR department in-house. 

However, Paychex offers numerous services to help supplement your in-house team when you decide to start building out your HR department as you grow. Those services work hand-in-hand with your team to continuously improve your HR processes and bolster continuous growth. 

The best part about Paychex is that you can choose which services you need. Unlike other options, you can start with one or two services and add more as you grow. 

There are dozens of services to choose from, including:

  • Group health insurance and benefit accounts (FSA, HRA, and HSAs)
  • Retirement planning and 401(k) administration
  • Workers’ compensation insurance
  • Recruiting and onboarding
  • Unemployment insurance
  • Risk and compliance management
  • Payroll processing

With that said, you can also opt for a full-service option if that’s more your speed. This level of flexibility helps keep your HR costs low since you only have to pay for what you’re going to use and the exact services your employees need. 

Additionally, you can talk to an HR professional anytime something comes up. Need to terminate an employee and not sure what to do? Or, maybe you want guidance on tax and compliance regulations in a specific state? No problem at all.

Regardless of what you need, Paychex’s team acts as an extension of your business, ready to help you out at a moment’s notice. 

Aside from answering questions and navigating various situations with you, the Paychex support team can also set up automatic payroll runs, manage employee benefits packages for you, and manage taxes on behalf of your business. 

At the end of the day, you’re in complete control of your PEO solution, with the option to offload as much or as little as you need to. 

If you choose to offload a little, you’ll appreciate the simplicity and intuitiveness of Paychex’s HR software, Paychex Flex. With it, you or anyone on your team can seamlessly manage onboarding, hiring, payroll, benefits, PTO, your policies, and more. 

Plus, there are no long-term contracts or cancellation fees. So, you don’t have to worry about anything if your situation changes down the road. And you can add or remove services as you need to without worrying about breaking your contract. 

All of Paychex’s plans are crafted specifically around your business’s needs. 

While this may seem like a benefit that’s better suited for large businesses and enterprises with complex systems in place, it’s actually an excellent idea for growing small businesses as well. 

It gives you a chance to explain your needs and talk things through with someone who understands your situation and the PEO industry. Plus, you may even identify services and options you didn’t realize you need or don’t need. 

Schedule your free consultation to get started with Paychex today!

#4 – Insperity — The Best for Businesses With More than 150 Employees

Insperity Logo

Insperity

Best for Large Businesses

Built to help businesses with more than 150+ employees minimize risk, access enterprise-grade benefits packages, and run their HR department with ease. Get expert personalized services, access to dedicated HR experts, and world-class HR software all for one transparent price. Two-year contracts required.

If you have more than 150 employees, you need a PEO company that understands your needs and has the capacity to manage HR for your business. 

Insperity works with businesses of all sizes, but it has a standalone division that solely works with large businesses like yours. With a growing client-base of companies with 1,000+ employees, you can rest easy knowing you’re in good company (and good hands). 

Plus, its HR experts have experience in all 50 states, so it’s an excellent option even if you’re a remote or distributed team.

When you sign up, you get a dedicated account executive who will help coordinate your new services and strategize what happens next to ensure you’re getting the most out of your new partnership with Insperity. 

Other PEO companies charge extra for a dedicated account manager, so this is definitely a standout feature. 

However, the best part is that you can choose to offload as much or as little as you’d like. This is helpful if you already have an in-house HR team with the capacity to manage certain activities and HR processes. 

Insperity’s team can work directly with your in-house staff to continuously improve processes and automate repetitive tasks, freeing up more time for everyone involved. 

On top of that, you also get on-demand guidance, help with proactive measures to mitigate risky situations before they happen, specialized team-members to lend a hand with different HR functions, and access to Insperity’s robust HR software. 

The software is a fully integrated human capital management platform that effectively replaces numerous tools you may already be using. As such, you can consolidate everything into one interface while saving money on long-term SaaS subscriptions for numerous tools you no longer need. 

Every module of the software seamlessly pulls data from other modules, which eliminates manual double entry and the risk of human error. 

You can even get in touch with Insperity for help analyzing the data you collect. The support team will walk you through every report and ensure you fully understand the data you have so you can make more educated decisions moving forward. 

Plus, your employees can use the software to access their accounts through an intuitive self-service dashboard where they can:

  • Select and manage their benefits
  • Utilize Alex, an interactive tool that helps users choose the right benefits
  • Request time off and view pay stubs/W-2s
  • Manage their 401(k)s

So, it’s an excellent choice for you and your HR team, but it’s also beneficial for your employees as well. Plus, they can get in touch with Insperity’s team to ask questions and get answers within 7 minutes—support is friendly, helpful, and lightning fast. 

Aside from software and dedicated HR support, Insperity also delivers benefits through numerous nationally recognized insurance carriers and offers guidance on compliance. 

As with most PEO companies, all of Insperity’s PEO solution is designed around your business needs, so you won’t find standard pricing online. However, the good news is that you can lock in your rates for up to two years so you always know what to expect when it’s time to pay your bill. 

Speak to an HR specialist to get started with Insperity today!

#5 – ADP TotalSource — The Best for Businesses Needing Full-Time HR Support

ADP Logo

ADP TotalSource

Best for Businesses Needing Full-Time Support

Get anytime access to ADP’s team of specialized experts on payroll, benefits, risk management, recruitment, onboarding, technology, compliance, and more all while reducing your HR administrative workload and boosting HR productivity.

If you’re looking for a highly customizable and flexible PEO solution, ADP TotalSource is an excellent choice. It’s also one of the most well-known HR management companies globally, servicing more than 140+ countries worldwide. 

It’s an all-in-one PEO solution, but it’s “never one-size-fits-all.” 

Why? Because you get a dedicated strategic HR expert and other specialists as part of the package, including a(n):

  • Payroll advisor
  • Benefits specialist
  • Investigation team
  • Workers’ comp specialist
  • Technology specialist
  • Safety consultants

Plus, your employees can enjoy direct access to premium advisors and support for any questions or issues that may arise. 

This helps eliminate employees coming to you or your in-house HR team with questions and issues so your team can focus on other tasks and HR-related activities. 

While the features you get from ADP remain the same from business to business, personalized support and access to dedicated specialists in various areas make this PEO solution extraordinarily flexible and customizable to match your needs.

However, no PEO solution is complete without software designed with your administrators and employees in mind. 

With ADP’s all-in-one software, employees can manage their PTO, retirement packages, insurance, and more in just a few clicks. And administrators can manage benefits, payroll, and employees all from one intuitive interface. 

If you’re interested in enterprise-grade employee benefits without the enterprise-grade price tag, a dedicated benefits specialist will walk through the entire process with you. 

From helping you choose the best options for your team and reviewing your selections every year to guiding your employees through the selection process, the ADP team is there to help with benefits administration from day one. 

On top of that, you’ll appreciate ADP’s data-driven, hands-on approach to recruitment and employee development. 

The team leverages data directly from your business to identify trends and qualified candidates. In turn, you can rest assured that you’re hiring the right people from day one. Once they’re hired, the ADP team handles onboarding and ongoing training to establish a growth-driven company culture. 

All without you and your team ever having to lift a finger. 

You also don’t have to worry about federal employee taxes because the IRS-certified ADP team preps, files, and pays them for you. 

As such, you get added peace of mind knowing your taxes are always correct and you’re always in compliance with dynamic tax laws and regulations, regardless of where your employees live. 

ADP TotalSource is a highly customizable solution with the most robust selection of services on the market, a massive team of HR specialists and professionals, and award-winning software. As such, it delivers the most comprehensive PEO solution we’ve seen. 

Plus, ADP’s client-base is nothing to scoff at with 500,000+ small businesses and a wide range of midsize to large companies under its management. 

So, whether you’re a small, midsize, large, or rapid-growth business, it’s adaptability and comprehensiveness make it a top consideration that’ll meet your needs today and in the future. 

Get in touch with their sales team to learn more!

Methodology For Choosing The Best PEO Company

PEO companies offer a wide range of services at various price points with dozens of factors to consider. From employee benefits and payroll administration to taxes and compliance with dynamic HR regulations, you have a lot to think about. 

Plus, all the marketing fluff out there makes it difficult to understand what makes each provider unique, what they actually offer, and which one is best for your team. 

To help you cut through the noise, we developed a definitive methodology you can use as you go through the process of choosing the best PEO company for your business. 

Number of Employees

Most PEO companies charge on a per-employee basis or as a percentage of your overall payroll. So, the more employees you have, the more your investment is going to be. 

Furthermore, some providers may only have the resources to work with small businesses. So, you may quickly outgrow them if you plan to expand in the near future. 

However, others are well-equipped to work with businesses of all sizes, making them a better fit for growing teams. 

If you don’t have plans to grow, provider scalability isn’t as important but it’s still crucial to know how many employees you have so you can estimate your monthly costs and choose a company that specializes in working with your specific type of business. 

On the other hand, some PEO companies only work with businesses that have a minimum number of employees. 

For example, Insperity only offers full-service options to businesses with more than 99 employees. Smaller teams can choose a la carte services, but they aren’t eligible for full-service. 

Full-Service vs. a La Carte Services

Do you need a PEO solution that acts as your entire HR department or one that augments your existing (or future) HR team? 

Most providers offer options for both full-service solutions and a la carte choices if you only need one or two services. However, it’s important to note that your needs are probably going to change over time.

You may not have an HR team as of today, but you could hire someone in-house within the next six months. Maybe you have one full-time HR employee with no plans of adding more. 

Alternatively, you could have a fully-staffed HR team looking for better benefits packages and help with compliance regulations. 

Regardless of your situation, you should carefully review contract requirements before making any decisions. 

Some providers require you to sign for a year or more in advance, with hefty cancellation fees if you need to make changes to your plan. Others offer month-to-month contracts and are more easily adaptable as your HR needs change over time. 

Furthermore, it’s important to understand if you can add new services as your business grows or remove services if you decide to hire someone on to handle HR tasks in-house. 

This flexibility is extremely important, especially if you’re growing quickly. 

You should also carefully consider the services each PEO company offers, since they can vary greatly from one provider to the next. Some may specialize in recruitment services to help you find top-notch candidates, while others may only offer payroll, administrative tasks, and employee benefits packages. 

This is equally important whether you’re interested in full-service or a la carte options. 

To get a better understanding of the services you need, you can start by outlining your current processes for things like:

  • Payroll administration
  • Tax payments, filings, and preparation
  • Benefits and PTO
  • Discipline or termination procedures
  • Recruitment and talent management
  • Workers’ compensation
  • Employee training and onboarding
  • Vendor and supplier payments
  • HR legal compliance and risk mitigation

Doing so can help you identify areas that are currently working, gaps in your HR processes, and any problem areas you need more help with. 

From there, you can work with your provider to choose the best plan or services package that checks all your boxes. 

Where Your Employees Live

There are a lot of variables that depend on the work and home location of your employees. So, it plays a major role in which PEO companies you can (and should) partner with. 

Some PEO companies only work with businesses in specific regions, while others work in all 50 states. 

However, it’s important to choose a provider that’s beneficial for everyone within your company, especially if you’re a distributed team with employees in various locations.

For example, there are numerous national insurance providers that cover the entire country, regardless of where your employees live. However, that’s not always the case, since there are regional and local healthcare networks as well. 

As such, you need to make sure everyone has adequate coverage in their area. 

On top of that, you should carefully consider how well your PEO provider understands the local, state, and tax regulations for each state you do business in. 

Always make sure to talk about this with each company you’re considering. They should be able to quickly tell you what regions they cover or don’t cover, so you’ll know if it’s a good fit before making your final decision. 

Access to Dedicated HR Support

One of the biggest benefits of partnering with a PEO company is access to HR professionals that can answer questions and help you navigate different situations as they arise. 

While most PEO companies offer support of some kind, it’s important to understand that they don’t all offer it at the same level. Some providers may give you direct access to a dedicated HR team that’s always available to help, while others may only offer general support through a helpdesk. 

Quick access to an HR professional is crucial, especially since HR laws and regulations change seemingly every day. 

Are you in compliance with the new CARES act and do you know how to handle COVID-related issues? Are you withholding the right amount of taxes from everyone’s paychecks? Maybe you’re unsure of how to handle an employee termination from a legal standpoint. 

Or perhaps you have a time-sensitive question about running payroll that needs to be resolved in the next twenty minutes. 

The last thing you want is to get transferred from one support rep to another for hours before you finally connect with someone who can help. 

As such, it’s crucial to understand the amount of support you need and whether or not you get a direct line of communication with professionals who can help you out when you need it.

Some PEO companies even have specialists for different HR functions, like benefits, payroll, taxes, and creating business policies. In this case, you can rest easy knowing you’re getting help from dedicated professionals who know their specialty inside and out. 

You may even get a direct line to each team to help cut down the amount of time it takes to get the help you need. 

Employee Benefits

Since the PEO company you choose becomes your employer, you can access their healthcare and benefits plans rather than finding your own. This can be life changing for smaller teams who don’t qualify for enterprise-grade benefits because of their size. 

While all PEO providers can help with administering these benefits, not all benefits packages are created equal. 

We already talked about why employee location matters, but plan specifics also matter as well. 

Are there plans available that will work well for your employees? What are the monthly premiums like? And what about deductibles, prescription costs, copays, and out of pocket expenses?

Each plan is vastly different, so it’s important to evaluate healthcare, dental, and vision coverage options that are available with each PEO company you’re considering. 

Some will have plans that are a better fit than others since they all partner with different insurance providers. Make sure you take the time to walk through your options to ensure everyone gets the coverage they deserve. 

Lastly, you should also evaluate the provider’s retirement plans, wellness programs, and other perks your employees will enjoy.

Amplify Logo

Amplify PEO

Best for Most

Choose from full-service or a la carte PEO options that can save you up to $1,185 per employee per year while offloading administration tasks, automating repetitive activities, and delivering better employee benefits without the enterprise-grade price tag.

Summary

Amplify PEO is our top choice for most users. They offer personalized custom-fit packages to suit the needs of businesses of all shapes and sizes. Furthermore, their customer support is second to none with real-life humans behind the phone. 

Plus, you can quickly get access to advanced healthcare plans you otherwise wouldn’t be able to use thanks to their healthcare partnerships. 

However, it’s not the best solution for everyone. 

So, don’t forget to use the methodology we talked about as you decide on the best PEO services for you, your team, and your business. 


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