Free guide · 2026 edition · 20 pages
The PEO Decision Guide
The same framework our advisors use with clients: whether a PEO fits, what it will really cost, and how to compare quotes and contracts before you sign.
What's inside
Seven chapters, one decision
Is a PEO the right model?
A quick self-check by headcount, states, benefits and who owns HR today.
PEO vs ASO vs HR software
What each one does, who carries the liability, and when each fits.
What a PEO really costs
Admin fee ranges plus the bigger numbers: benefits, workers' comp and SUTA.
Certification checks
How to verify IRS CPEO status, ESAC accreditation and the contracting entity.
Quotes you can compare
The census to send and the five line items to ask every PEO for.
Contract red flags
Terms, exit fees, cancellation windows and renewal history questions.
Industry checklists
Construction, restaurants, medical practices, startups and more.
Worksheets and QR links
A quote comparison sheet, a contract checklist and links to our cost calculator and PEO directory.
Rather talk it through?
Book a 30-minute consultation. We'll review your payroll, benefits and HR setup and tell you whether a PEO is the right move.