Choose a PEO when
- You have roughly 5–150 employees
- Benefits are hard to afford or offer
- Workers' comp is expensive
- You want compliance support without an HR team
Choose an ASO when
- You want to keep your own tax ID and benefits plans
- You've outgrown PEO pricing, often 100–300 employees
- You want HR administration without co-employment
Choose HR software plus a broker when
- You have HR staff in-house
- Your benefits are already competitive
- You want the lowest admin cost: Gusto starts at $49 a month plus $6 per person
Hiring abroad?
Use an employer of record (EOR) where you have no entity. Deel and Remote charge $599 per employee per month.