PEO Employee Benefits
The Full PEO Benefits Package Explained
PEO employee benefits go far beyond health insurance. A PEO delivers a full Fortune 500 benefits package: health, dental, vision, life, disability, and retirement plans, all at group rates that small businesses cannot access alone. Understanding the full package tells you why a PEO is about more than just health insurance.
Benefit types in a PEO package
Level benefits at small business rates
Rates on every benefit type
To compare PEO benefit packages
Key Benefits Cost Factors
Health Insurance
The core. Fortune 500 health plans at large group rates, with multiple metal tiers and national networks.
Dental and Vision
Group dental and vision plans at rates lower than most small businesses can get on their own.
Life and Disability
Group life and disability insurance that protects your employees and their families at group rates.
Retirement Plans
401(k) plans with lower admin costs through the PEO, often with better investment options than small plans.
Voluntary Benefits
Additional voluntary benefits employees can choose, from supplemental life to accident and critical illness coverage.
Total Package Value
The full PEO benefits package often costs less than what a small business pays for health insurance alone.
What Is in a PEO Employee Benefits Package
A PEO employee benefits package is a full Fortune 500 level benefits offering. It includes health insurance with multiple plan tiers and national networks. It includes dental and vision at group rates. It includes group life and disability insurance. It includes a 401(k) retirement plan with lower admin costs. And it includes voluntary benefits that employees can choose to add. Together, this package gives your small business the same benefits offering that big companies provide, at a cost that fits a small business budget.
- Health insurance with multiple plan tiers and national networks
- Dental and vision at group rates
- Group life and disability insurance
- 401(k) retirement plan with lower admin costs
- Voluntary benefits employees can choose to add
- The full package often costs less than health insurance alone
Why the Full Package Matters for Retention
Health insurance alone is not enough to attract and retain talent in a competitive market. Employees expect a full benefits package. The businesses that offer health, dental, vision, life, disability, and retirement have a significant retention advantage. A PEO lets you offer this full package at group rates, which means you can compete with bigger employers for talent without the cost or admin burden of building each benefit yourself.
The Total Value of PEO Employee Benefits
The value of PEO employee benefits is not just the individual benefits. It is the combination. Health insurance at large group rates. Dental and vision at group rates. Life and disability at group rates. A 401(k) with lower admin. Plus payroll, tax deposits, workers comp, compliance, and HR support. When you add it all up, the full PEO package often costs less than what a small business pays for health insurance alone. A broker can show you the total value and total cost across multiple PEOs.
PEO Employee Benefits FAQ
What benefits are included in a PEO package?
Does a PEO include a 401(k) plan?
Can I offer dental and vision through a PEO?
How does the full PEO benefits package compare on cost?
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