Question 1

What exactly is a PEO?

Accepted Answer

A Professional Employer Organization enters a co-employment arrangement with your company. You retain day-to-day management; the PEO becomes the employer of record for payroll, taxes, workers' comp, and benefits — bundling those services and pooling your employees with thousands of others for buying power.

Question 2

Is a PEO right for every company?

Accepted Answer

No. The right structure depends on headcount, geography, benefits needs, risk profile, service requirements, and current costs. An independent advisory firm can compare PEO, ASO, and standalone paths before you decide.

Question 3

Do I lose control of my employees in co-employment?

Accepted Answer

No. The PEO handles administrative employer functions only. You still hire, fire, manage, set wages, and direct the work. Co-employment is a tax and benefits framework — not a transfer of operational control.

Question 4

What is pay-as-you-go workers' comp?

Accepted Answer

Instead of paying a large annual deposit and reconciling at audit, premiums are calculated each payroll based on actual wages by class code. Cash flow improves and year-end audit surprises shrink.

Question 5

Can you help if my experience mod is over 1.20?

Accepted Answer

We can connect you with an independent specialist who can review the mod calculation, claims history, class codes, and suitable program options. Available terms depend on underwriting and the business's specific risk profile.

Question 6

Do you handle USL&H, Jones Act, or monopolistic-state coverage?

Accepted Answer

We can help identify an appropriately licensed independent firm for specialized requirements such as USL&H, Jones Act, or monopolistic-state coverage. Eligibility and availability depend on the specific operation and underwriting.

Question 7

What does your service cost?

Accepted Answer

The initial conversation is free. Compensation can vary by solution and independent firm. Any applicable fee or referral arrangement is explained before you choose to move forward.

Question 8

How is that different from going direct to a PEO?

Accepted Answer

A direct sales representative can explain that provider's offering. An independent advisory firm can review multiple structures and providers, helping you compare the terms and trade-offs before deciding.

Question 9

What if I'm already in a PEO?

Accepted Answer

You can still request a second opinion. We can connect you with an independent firm to review your current arrangement, renewal terms, service concerns, and alternatives. A review may support staying put, renegotiating, or comparing other structures.

Question 10

How long does an evaluation take?

Accepted Answer

Timing depends on the type of review, the documents available, underwriting, and the number of options being considered. The independent firm handling the review will explain the expected timeline before work begins.

Question 11

What information do you need to start?

Accepted Answer

Headcount by state, current payroll provider, current workers' comp carrier and loss runs (2–4 years), current benefits package and renewal date, and the top business pain you're trying to solve. Our assessment captures this in five minutes.

Question 12

Do you stay involved after implementation?

Accepted Answer

Our role is to help create the right connection and keep the next step clear. The independent firm you engage will define its ongoing service, renewal support, and audit assistance in writing.

Plain answers. No jargon screens.

PEO Basics

Workers' Compensation

Pricing & Fees

Process & Onboarding

Start with an independent cost review.