Compare providers
How to compare PEO companies — without losing your weekend.
Most PEOs look similar at first glance. The real differences show up in pricing structure, workers' comp placement, benefits quality, industry fit, and service model. Here's what actually matters.
What matters most
The six factors that actually separate PEOs.
Pricing model
PEPM vs. percentage of payroll. Transparent fee breakdown vs. bundled pricing. Year-over-year renewal structure.
Workers' comp
Master program carrier, class code flexibility, loss-run underwriting, and pay-as-you-go vs. estimated billing.
Benefits quality
Major medical plan options, network coverage in Florida, ancillary benefits, and renewal stability.
Industry expertise
Some PEOs specialize — construction, staffing, hospitality, healthcare. Industry fit affects both price and service quality.
Technology
Payroll platform, employee self-service, time tracking integrations, and mobile experience all matter for day-to-day use.
Service model
Dedicated account team vs. pooled support, response SLAs, and HR consultant access when you need real advice.
Side-by-side framework
How we structure PEO comparisons.
When we send you matched quotes, this is the framework we use to make them comparable. You should expect any PEO you shop to answer these clearly.
| Comparison factor | What to look for | Why it matters |
|---|---|---|
| Admin fee structure | PEPM or % of payroll; what's included vs. à-la-carte | Directly affects monthly cost |
| Workers' comp rate | Rate per $100 of payroll by class code; pay-as-you-go | Often largest savings lever |
| Medical plan options | Carrier, plan tiers, Florida network strength | Benefits drive retention & recruiting |
| 401(k) | Plan availability, match support, eligibility | Standard expectation for most staff |
| Onboarding time | Days from contract to first live payroll | Faster = less disruption |
| HR support model | Dedicated HR consultant, ticket-based, or self-serve | Matters most during employee issues |
| Technology stack | HRIS, mobile app, integrations | Affects daily user experience |
| Contract length | Month-to-month, annual, or multi-year | Flexibility vs. price concessions |
| Renewal terms | Rate caps, notice periods, audit rights | Prevents surprise cost increases |
| Service guarantees | Response SLAs, payroll accuracy guarantees | Accountability when things go wrong |
Provider matching
Which Florida PEOs we work with.
We track more than 40 PEOs operating in Florida — including large national providers and regional Florida specialists. Rather than list provider brand names here (which changes frequently), we match you specifically based on your industry, size, and goals when you request a quote.
National PEOs
Large multi-state providers with broad benefits and robust technology.
Florida specialists
Regional providers with deep Florida workers' comp and compliance expertise.
Industry-focused
PEOs specializing in construction, staffing, hospitality, or healthcare.
Mid-market PEOs
Strong fit for 50–500 employee employers expecting dedicated service.
Want matched options?
Share a few details and we'll identify the two to four Florida PEOs best suited to your business — and coordinate comparable quotes.
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Compare pricing, benefits, and workers' comp from multiple providers — free and no-obligation.