Identifying the top PEOs in the US is crucial for companies seeking comprehensive HR solutions and enhanced operational efficiency. Professional Employer Organizations provide small and medium-sized businesses with access to high-quality benefits, compliance expertise, and risk management services that are typically reserved for larger companies. As regulations grow more complex and talent competition increases, partnering with reputable PEOs enables businesses to focus on growth while ensuring adequate employee support and legal compliance.
What is a PEO Company?
A Professional Employer Organization (PEO) provides comprehensive HR outsourcing solutions through a co-employment arrangement with its client firms. These companies handle payroll management, benefits administration, workers’ compensation, tax compliance, and HR oversight, allowing businesses to maintain operational control over their staff. Understanding PEO services is essential for companies seeking to enhance efficiency, reduce administrative burdens, and access top-tier benefits without diverting attention from their core business functions.
Definition and Role
A Professional Employer Organization establishes a co-employment setup in which it acts as the official employer for tax and insurance purposes. At the same time, the client company maintains control over the daily management of employees. This collaboration enables businesses to delegate complex HR tasks, such as payroll, benefits, compliance, and risk management, to specialized firms. The PEO manages administrative duties, enabling companies to focus on operations, sales, and strategic growth efforts without relinquishing control over hiring, termination, and workplace decisions.
Key Services Offered by PEOs
The top PEOs in the US offer comprehensive service portfolios designed to manage complex HR tasks that can overwhelm growing companies. These services encompass essential operational areas:
- Payroll Management: Complete payroll processing, tax deductions, direct deposit, and year-end reporting, ensuring accuracy and compliance in various jurisdictions. Â
- Employee Benefits: Availability of group health insurance, dental, vision, retirement plans, and voluntary benefits, which are typically accessible only to larger corporations. Â
- Compliance Support: Guidance on employment laws, development of policies, workplace safety programs, and adherence to federal, state, and local regulatory requirements. Â
- Workers’ Compensation: Comprehensive protection, claims management, safety training, and risk reduction programs that help lower costs related to workplace injuries. Â
- HR Administration: Development of employee handbooks, systems for performance management, processes for disciplinary actions, and support during termination. Â
- Risk Management: Employment practices liability insurance, HR consulting, and legal assistance for workplace-related issues.
Who Should Use a PEO?
Small and medium-sized businesses benefit most from PEO partnerships when they have limited HR resources or face compliance challenges. Rapidly growing companies utilize PEOs to manage their expanding workforce without incurring costly HR hires. Organizations with remote teams rely on PEOs for payroll compliance and benefits management across states. High-risk businesses utilize PEO expertise in workers’ compensation to reduce insurance costs. At the same time, those seeking to attract top talent find PEO group purchasing power for enterprise-level benefits advantageous.
Top PEO Providers in the US 2025
Evaluating the top PEOs in the US requires examining key performance metrics that impact business operations. Our review considers market presence, financial stability, service offerings, technology capabilities, pricing clarity, and client alignment. These criteria help businesses find PEO partners that match their growth phase, industry requirements, and operational needs, offering valuable support and benefits.
1. Floowi
Floowi provides talent solutions from Latin America, specializing in marketing positions. The company connects US businesses with skilled professionals while managing payroll, benefits, and HR operations. By offering tailored services and understanding cross-border employment challenges, Floowi ensures high client satisfaction.
Features
Floowi specializes in sourcing and managing marketing professionals from Latin America, providing a complete HR framework. They handle recruitment in areas like digital marketing and social media management, as well as international payroll and compliance. Floowi also offers talent retention programs, performance management tools, and cultural integration support for long-term placements.
Pros and Cons
The company excels in specialized LatAm talent, cost-effective workforce solutions, and comprehensive HR management, particularly in marketing placements. It offers personalized services and cultural integration support but has a narrower geographic scope, a focus on marketing roles, and a smaller scale compared to larger PEO firms.
Pricing Overview
Floowi provides personalized pricing models tailored to your talent needs and HR demands. Our all-inclusive fees cover recruitment, HR management, payroll, benefits administration, and compliance for all LatAm hires. Contact us for tailored quotes to fit your business and multi-role hiring needs.
2. ADP TotalSource
ADP TotalSource is one of the largest PEO providers in the U.S., serving over 700,000 worksite employees across various sectors. G2 rates it 4.0 out of 5 stars, and it holds ESAC accreditation for operational excellence. The platform is noted for its comprehensive service delivery and advancements in payroll automation and compliance management.
Features
ADP TotalSource automates compliance with multi-state tax management, employment law updates, and regulatory reporting. It offers benefits administration with access to health plans and retirement options similar to Fortune 500 companies. The platform includes payroll processing, time tracking, talent management tools, and HR analytics, along with workers’ compensation programs that provide safety training and risk mitigation services.
Pros and Cons
Strengths include strong technology integration, compliance expertise, diverse benefits offerings, and robust financial health, ensuring reliable long-term partnerships. The platform scales with businesses and provides specialized account management. However, pricing is higher than that of smaller PEOs, the implementation process is complex and time-consuming, and service standardization can limit customization options.
Pricing Overview
ADP TotalSource offers tailored pricing based on the number of employees, required services, and industry complexity. Typical fees range from $150 to $250 per employee per month. Pricing is customized through discussions that assess specific business needs, with no standard rate cards available. Businesses must request quotes that take into account location, benefits, and additional services.
3. Justworks
Justworks supports over 300,000 employees nationwide, earning an impressive 4.3 out of 5 rating on G2 and being recognized as a leading PEO for small businesses by PCMag. The platform emphasizes intuitive technology and transparent pricing, making it a favorite among startups and expanding companies seeking simple HR solutions.
Features
Justworks offers automated payroll processing, along with a wide range of benefits, including health, dental, vision, and 401(k) plans, as well as workers’ compensation coverage. Their platform features user-friendly onboarding tools, compliance management, and seamless integration with popular business software. The service provides HR assistance, guidance on employment law, and teams dedicated to customer success.
Pros and Cons
The advantages include transparent pricing, an intuitive interface, rapid implementation, and a highly responsive customer support team. The platform provides attractive benefits packages and efficient onboarding procedures. Drawbacks include limited customization options, restricted international capabilities, and less comprehensive compliance support compared to providers that specialize in enterprise solutions.
Pricing Overview
Justworks offers transparent pricing, starting at $59 per employee per month for basic plans, with premium options available for $99 per employee per month. This pricing includes payroll, benefits, compliance assistance, and workers’ compensation insurance, with no hidden fees or setup charges.
4. Paychex PEO
Paychex PEO leverages 40 years of payroll expertise to support businesses across various sectors, earning a 4.1/5-star rating on G2 and receiving accreditation from ESAC. The company merges a solid foundation with contemporary technology to provide complete PEO services tailored for mid-market businesses.
Features
Paychex PEO provides comprehensive payroll services, a diverse range of benefits, workers’ compensation management, and compliance support. Their platform includes mobile apps, employee self-service portals, time tracking, and HR analytics, as well as access to dedicated HR specialists and risk management services.
Pros and Cons
Benefits include a strong market presence, diverse service options, compliance expertise, and dedicated account management. The platform offers flexible service levels and tailored industry solutions. However, it has complicated pricing, lengthy implementation periods, and may lack modern technology compared to newer PEO providers.
Pricing Overview
Paychex PEO offers tailored pricing that varies based on the number of employees and the required services, typically ranging from $100 to $200 per employee per month. The cost can vary significantly due to choices in benefits, compliance requirements, and additional services, making it necessary to obtain personalized quotes for accurate cost evaluations.
5. TriNet
TriNet serves over 390,000 worksite employees and has a 4.2 out of 5 rating on G2, praised for its comprehensive benefits. Focusing on mid-sized businesses, it offers tailored solutions for sectors like technology, professional services, and nonprofits.
Features
TriNet provides comprehensive HR services, including payroll processing, benefits packages, workers’ compensation, and compliance management. Their platform features advanced reporting tools, mobile apps, performance management systems, and specialized HR consultants, along with support for employment law and risk management tailored to specific industries.
Pros and Cons
Strengths include industry specialization, diverse benefits options, experienced HR consultants, and strong technological features. The provider excels in handling complex compliance and tailoring to industry-specific needs. Drawbacks include high costs, complex contracts, and limited flexibility to meet specific company requirements.
Pricing Overview
TriNet offers a tiered pricing structure starting at around $150 per employee per month for essential services, with premium packages exceeding $300. Prices vary based on industry, benefits, and service level, with tailored quotes available for specific business needs.
6. Insperity
Insperity combines PEO services with business performance solutions, serving over 80,000 companies and holding a G2 rating of 4.0/5 with ESAC accreditation. The organization specializes in strategic HR consulting and support for growing businesses.
Features
Insperity offers comprehensive PEO solutions, including payroll, benefits management, workers’ compensation, and compliance support. Their platform provides business performance consulting, workforce enhancement tools, training initiatives, and dedicated advisors to support strategic planning, organizational growth, and leadership development.
Pros and Cons
Benefits include comprehensive business consulting, knowledgeable advisors, strong compliance support, and a focus on performance enhancement. The provider offers tailored services and strategic advice beyond typical PEO options. However, there are higher costs, complex service structures, and a consulting emphasis that might not suit every business model.
Pricing Overview
Insperity’s pricing typically ranges from $200 to $400 per employee per month, depending on service level and consulting needs. They provide tailored quotes based on business size, industry, and specific requirements.
7. Rippling
Rippling integrates PEO services with advanced workforce management technology, achieving a 4.8/5 rating on G2 for its innovation and user experience. The platform emphasizes automation and integration, making it a preferred choice among tech-savvy firms seeking contemporary HR solutions.
Features
Rippling provides an integrated platform for payroll, benefits, compliance, and IT management. It streamlines onboarding, device provisioning, software access, and offboarding, with features for global payroll and benefits administration.
Pros and Cons
The platform offers advanced technology, seamless integrations, extensive automation, and a great user experience, along with unique IT management features for a global workforce. However, it faces challenges like being a recent market entrant, higher pricing, and potential complexity that may overwhelm smaller businesses seeking simpler solutions.
Pricing Overview
Rippling begins at $35 per month for each employee for essential services. At the same time, PEO options can range from $100 to $200 per month per employee. The pricing differs depending on the chosen modules, with extra charges for specialized features and international services.
8. Bambee
Bambee offers HR support for small businesses, providing dedicated HR managers and compliance assistance, with G2 ratings of 4.5 out of 5. They cater to companies with 5 to 500 employees seeking customized HR advice without comprehensive PEO services.
Features
Bambee provides dedicated HR managers, policy development, compliance support, and employee relations assistance. Their service includes handbook creation, training programs, performance management guidance, and employment law support. The platform provides HR helpdesk services, manager training, and resolution of workplace issues.
Pros and Cons
Benefits include tailored HR manager assignments, cost-effective pricing, quick implementation, and a focus on small businesses. The service offers active support and practical HR advice. Drawbacks are limited payroll integration, fewer benefit options, and less extensive coverage compared to full PEO providers.
Pricing Overview
Bambee offers transparent pricing, starting at $99 per month for unlimited HR assistance, with upgraded options available for $199 per month. The pricing is determined by the level of service, rather than the number of employees, making it a budget-friendly option for smaller companies.
9. CoAdvantage
CoAdvantage supports over 100,000 employees across various industries, holding a 4.1/5 rating on G2. Catering to mid-sized businesses, it offers customized solutions for manufacturing, professional services, and healthcare.
Features
CoAdvantage provides comprehensive PEO services, including payroll, benefits, workers’ compensation, and compliance oversight. Their platform offers tailored solutions for various industries, personalized account management, and comprehensive HR support, along with safety initiatives, training materials, and legal guidance.
Pros and Cons
Advantages include specialized industry knowledge, tailored service, attractive benefits, and substantial compliance support. The provider offers flexible options and dedicated account teams. Disadvantages are limited technology, a smaller market presence, and fewer advanced features compared to larger PEOs.
Pricing Overview
CoAdvantage offers tailored pricing, typically ranging from $120 to $180 per employee per month, depending on industry complexity and service needs, with customized quotes based on each business’s specific requirements.
10. Oasis Outsourcing
Oasis Outsourcing offers PEO solutions for small to mid-sized companies, with a G2 rating of 4.0/5. They focus on providing tailored service and competitive pricing for full-service HR outsourcing, thereby avoiding the complexities associated with larger enterprises.
Features
Oasis provides PEO services including payroll management, benefits oversight, workers’ compensation, and compliance assistance. Their platform features employee self-service portals, time tracking tools, reporting, and personalized HR support, along with safety initiatives, training materials, and employment law assistance.
Pros and Cons
Benefits include competitive rates, tailored service, comprehensive coverage, and a focus on small businesses. The provider offers flexible solutions and good customer service. However, drawbacks are a smaller technology platform, fewer advanced features, and a limited selection of benefits compared to larger PEOs.
Pricing Overview
Oasis Outsourcing offers competitive rates of approximately $80 to $150 per employee per month, depending on the service level and company size, with customized quotes tailored to individual needs and benefits.
How to Choose the Right PEO for Your Business
Selecting a top PEO in the US requires a careful assessment to align their services with your business goals and needs. The right PEO partnership should enhance efficiency, reduce administrative burdens, and support strategic growth, rather than just replacing existing processes. This approach ensures a comprehensive evaluation of key factors that affect the success of long-term partnerships and benefits for your organization.
| Evaluation Category | Key Questions to Ask | What to Look For | Red Flags to Avoid |
| Step-by-Step Evaluation Guide | What’s our current HR pain point? | Clear implementation timeline and milestones. | Vague promises without specific deliverables. |
| Key Selection Criteria | Does the PEO serve our industry? | Industry-specific expertise and compliance knowledge. | Generic solutions without specialization. |
| Technology and Scalability | Can the platform grow with us? | Modern interfaces and integration capabilities. | Outdated systems require manual workarounds. |
| Customer Support Considerations | What support levels are included? | Dedicated account management and responsive service. | Limited support hours or automated responses only. |
| Pricing Transparency | Are there hidden fees? | Transparent pricing structure with detailed breakdowns. | Vague estimates or surprise charges after signing. |
| Compliance Expertise | How do they handle regulations? | Proactive compliance updates and expert guidance. | Reactive approaches or limited regulatory knowledge. |
Step-by-Step Evaluation Guide
Utilize this organized approach to determine the most suitable PEO:
- Evaluate your existing HR challenges and establish metrics for success.
- Investigate 5-7 leading PEOs in the U.S. that have relevant industry expertise.
- Solicit detailed proposals that address your specific needs.
- Arrange thorough demonstrations of platforms, concentrating on daily operations.
- Verify references from companies of similar size within your sector.
- Carefully analyze pricing models and contract conditions.
- Conduct final interviews with the account management teams before making a decision.
Key Selection Criteria
Key considerations include industry knowledge and regulatory compliance relevant to your field. Evaluate the solution’s integration with existing systems, its comprehensive HR services, and transparent pricing without hidden costs. Also, assess financial stability for long-term partnerships, client feedback, and retention rates, as well as dedicated account management for personalized service and strategic advice.
Technology and Scalability
Contemporary PEO platforms should feature user-friendly interfaces, mobile accessibility, and seamless integration with accounting and time tracking systems. Assess scalability for growth scenarios, such as new locations and increased employee numbers. Evaluate reporting features, data security, and automation tools that reduce administrative tasks amid operational complexity.
Customer Support Considerations
Thorough assistance includes dedicated account managers, guaranteed response times, and multiple communication options for urgent matters. Evaluate onboarding strategies, training programs, and ongoing educational tools for effective platform integration. Consider 24/7 support for payroll issues, escalation processes for complex problems, and notifications about regulatory updates impacting your business.
Benefits of Using a PEO
Leading PEOs in the U.S. transform HR functions from cost centers to strategic assets, allowing organizations to cut HR expenses by over 27%. Partnering with a PEO can result in annual savings of approximately $1,775 per employee, providing immediate benefits and enhancing operational efficiency for sustainable growth and a competitive advantage.
Cost Efficiency
Collaborations with the top PEOs in the US significantly reduce overhead by leveraging economies of scale and optimizing operations:
- HR Administration Savings: Eliminate internal HR staff costs while accessing specialized expertise to minimize compliance risks.
- Lower Benefits Costs: Benefit from group buying power for health, dental, and retirement plans, achieving rates 10-40% lower than individual negotiations.
- Reduced Workers’ Compensation Costs: PEO initiatives lower insurance premiums and reduce workplace injury costs.
- No Technology Expenses: Avoid costly HRIS system fees by using the PEO platform.
- Operational Efficiency: Streamlined processes free up time for revenue-generating activities.
HR and Compliance Support
Effective compliance management protects organizations from costly legal issues. Key components include:
- Expertise in federal regulations: Stay current on FLSA, FMLA, ADA, and other laws with compliance specialists tracking changes.
- Navigating state laws: Ensure compliance with diverse wage laws and regulations across states.
- Policy formulation: Develop employee handbooks and policies that meet legal standards and reduce liability.
- Protection during audits: Maintain thorough records and documentation for compliance during audits and legal inquiries.
- Reducing risks: Secure employment practices, liability insurance, and legal support against wrongful termination, discrimination, and harassment claims.
Enhanced Employee Benefits
PEO group purchasing power allows small and medium-sized businesses to access benefits typically available to Fortune 500 companies:
- Premium health plans: Access to extensive carrier networks and comprehensive medical coverage. Â
- Retirement benefits: 401(k) options with employer matching and professional management. Â
- Voluntary benefits: Additional insurance, flexible spending accounts, and employee assistance programs. Â
- Competitive advantage: Attractive benefits help attract top talent and reduce turnover. Â
- Administrative simplification: Streamlined benefits administration reduces vendor relationships and administrative burdens. Â
FAQs About PEOs in the US
Who is the Largest person in the US?
ADP TotalSource is recognized as the most prominent professional employer organization globally, serving 722,000 worksite employees. The organization leverages its extensive size to offer competitive benefits and a comprehensive range of HR services across all 50 states.
How Many People Are There in the US?
According to NAPEO (National Association of Professional Employer Organizations), 487 PEOs are operating in the United States. There are a total of 500 PEOs in the U.S. that offer payroll, benefits, compliance support, and various HR services to businesses nationwide, with minor differences in reporting methods.
Who Is the #1 Employer in the US?
Walmart is usually recognized as the largest employer in the United States, with more than 2 million employees; this contrasts sharply with the services provided by PEOs. PEOs do not directly hire workers; instead, they create co-employment agreements, allowing businesses to maintain operational oversight while PEOs manage HR administration and compliance tasks.
Who Is the Biggest Payroll Company in the US?
ADP is the largest payroll service provider in the US, focusing primarily on salary processing rather than offering comprehensive HR solutions, such as those provided by PEOs. While payroll services handle wage calculations and tax withholdings, leading PEOs provide full HR outsourcing that includes benefits, compliance, and risk management.
Who Has the Best PEO?
The ideal choice among the top PEOs in the US depends on your company’s size, industry, and goals. Startups may prefer Justworks for its simplicity, while growing firms might benefit from TriNet’s industry focus. For detailed evaluation criteria, refer to the “How to Choose the Right PEO” section above.
