Independent PEO advice. Free comparison. Same-day follow-up.
Independent · 46 States · 36 PEOs

Compare 36 PEOs.
One conversation. No cost to you.

Independent PEO brokers. We collect quotes from the PEOs that fit your business, line up pricing, benefits, HR service, payroll and workers’ comp side by side, negotiate the one you pick, and stay through the year-two renewal. The PEO pays us, not you.

2 minutes to start · Results in 1 to 2 business days · Prefer to talk? 631-634-5907

Evaluating 36 PEOs across 46 states
TriNetJustworksInsperityRipplingADP TotalSourcePaychex PEO
and 22 more. See the full list ↓
Who this is for

Employers with 5 to 500 people who want the right PEO, not a sales pitch.

Owner or CEO

Total cost and less risk, without a six-week project.

One conversation, then a side-by-side of the PEOs that fit. We handle the quotes, the census and the negotiation.

Compare my options
HR leader

Better benefits and real HR support for your team.

Plan quality, carrier networks, implementation and day-to-day service, compared before you commit.

See which PEOs fit
CFO or controller

The admin fee, workers comp and benefits economics, line by line.

We rebuild every quote into the same format so the true annual cost is visible, not the headline rate.

Get the numbers
Already on a PEO

Renewal went up, service went down, or the platform is holding you back.

We benchmark your current PEO against the market and, if switching wins, manage the exit and transition.

Benchmark my PEO
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.

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Five questions. The PEO you choose pays our fee, so there is no invoice from us.

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.

From recent comparisons

What the side-by-side actually found.

Real engagements, real quote workbooks, client names withheld. Medical premium is the line that moves most, so that is the line we show.

39-person real estate owner and general contractor, Chicago, staff in four states
$81,000 a year
lower medical premium (14%), same enrollment

First PEO. In-house HR, payroll through a national processor, medical through a benefits broker at $573,000 a year. We collected four PEO proposals. The one we recommended priced the same census at $492,000 on plans with lower out-of-pocket maximums, a gap wide enough to cover the PEO's whole admin fee with HR, payroll and workers' comp included.

16-person consulting firm, employees in eleven states
$43,000 a year
lower medical premium (27%), all three plans

Small-group PPO at $162,000 a year and eleven states of payroll and leave rules to keep straight. Five PEO quotes. The recommended plan mapped every employee onto a national carrier at $119,000 with a lower out-of-pocket maximum on each of the three plans, and moved multi-state compliance off the founders' desks.

Not ready to talk yet?

Two ways to start on your own.

Already have a quote?

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

Audit my quote →

Free · No commitment · 48-hour turnaround

Want an estimate first?

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

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Free · No email required · Instant results

New to PEOs?

Not sure what a PEO even is?

In short: a PEO handles payroll, benefits, compliance, and workers’ comp under a co-employment model, your team stays your team, you still run your business. If you want the full picture before comparing, start here.

How PEOs work →Compare the top PEOs →What a PEO consultant does →
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 because we see pricing across the market we know when a quote is high.

Which PEOs does PEO Consulting Partners compare?

We compare 36 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 36 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?

Two minutes to tell us about your business. We do the rest: quotes, side-by-side comparison, negotiation, renewal review, and the exit if it ever comes to that.