i.Fee structure
Fee structure & PEPM math
Base admin, benefits admin allocation, risk and compliance modules, service coordination fees. Some PEOs spread their margin across six line items so no single one looks excessive.
Upload the proposal. We’ll read every line — admin fees, SUTA markup, EPLI bundling, renewal language — and tell you in 48 hours what you’re actually paying for and where you can renegotiate.
Free · No commitment · 48-hour turnaround
Base admin, benefits admin allocation, risk and compliance modules, service coordination fees. Some PEOs spread their margin across six line items so no single one looks excessive.
SUTA markup billed as a tax. EPLI premiums you shouldn't be paying separately. Implementation fees that are really just sales commissions. We know what to look for because we've seen every contract.
The phrase “subject to annual adjustment” licenses an 8–14% renewal hike. Year two is where the real money shows up. We flag it before you sign.
Every audit answers the same five questions in writing: what this proposal actually costs per year, what it assumed, what it left out, what it obligates you to at renewal, and whether the price is competitive for your census. Concretely, we reconcile the fee schedule line by line and flag any charge that appears twice under different names, verify the quote was priced on your real employee count, separate provider fees from pass-through taxes like SUTA, identify what is carved out, and read the renewal and exit language for re-underwriting triggers, rate adjustment rights and notice periods.
What to send: the proposal itself including the fee schedule and any benefits exhibit, your employee census, your current medical renewal if benefits are part of the decision, workers comp declarations if workers comp is in the quote, and a recent payroll invoice if you want a savings figure and not just a fee reconciliation. The proposal alone is enough to start; each added document turns an estimate into a verified number.
These are excerpts from a real audit delivered in 2026, with the client and provider names removed. This is the level of detail you receive.
No two audits find the same things, which is the point of reading the actual documents instead of scoring a template. The full four-quote comparison this engagement came from is in our independent PEO comparison guide.
A written audit covering: fee benchmark vs. market, hidden margin you can negotiate out, renewal language to push back on, and — if requested — a comparison against two alternative PEOs that would price more competitively for your team.
No cost. No commitment. No commission from this audit.
Great. If our audit confirms you're priced fairly, we'll tell you. We're not trying to move you for the sake of moving you.
Brokers are paid by PEOs as part of their channel program. If you eventually choose to switch, we get paid by the PEO you choose. The audit itself costs you nothing.
Yes. We never share your proposal with the PEO that sent it to you, and we don't disclose your company name to any other PEO without your explicit permission.
Free, no obligation. 48-hour written audit on what you’re paying for — and where to push back.