PEO Benefits Comparison

Why Benefits Are the Number One Reason to Choose a PEO

For most small businesses, the biggest single saving from a PEO comes from health insurance. A 10-person company pays 20 to 40 percent more for health insurance than a large group because its risk pool is tiny. A PEO pools your employees with thousands of others, delivering Fortune 500-level medical, dental, vision, and 401(k) plans at a fraction of the cost. Benefits are also the number one lever for hiring and retaining talent in a tight labor market.

What to Compare in PEO Benefits

A PEO benefits comparison should evaluate the actual plans, not just the marketing. We compare medical networks by county, metal tier availability, dental and vision terms, 401(k) providers and fees, voluntary benefit menus, and renewal underwriting. The goal is to confirm your employees get real, usable coverage at a lower cost than you could secure alone.

• Medical network size and doctor availability in your area
• Metal tier options: bronze, silver, gold, platinum
• Dental and vision: waiting periods, maximums, networks
• 401(k): provider, investment options, fees, match support
• Voluntary benefits: life, disability, accident, critical illness
• Renewal underwriting: how rates change after year one

Why Benefits Renewal Underwriting Matters

Some PEOs offer low premiums in year one to win your business, then raise rates sharply at renewal. This is called favorable renewal underwriting vs. loss-leading. We compare each PEO renewal history and underwriting model so you know whether your year-one savings will last. A PEO with stable renewals is worth more than one with a low entry price and a big year-two increase.