Family-owned Florida PEO with its own workers' compensation carrier
FrankCrum is a PEO that quotes companies of 10 to 500+ employees (sweet spot: 10 to 150), most often construction and skilled trades employers. One of the few PEOs that underwrites workers' compensation through its own affiliated carrier, which makes it unusually workable for construction and skilled trades. Neither IRS CPEO-certified nor ESAC-accredited, and the service footprint is still weighted toward Florida and the Southeast.
Our take
FrankCrum is the PEO we look at first when a client's workers' compensation is the hard part of the deal. Owning the carrier means comp pricing and claims handling sit under one roof, and pay-as-you-go premiums remove the deposit that sinks a lot of small contractors. The tradeoff is credentials: they carry neither IRS CPEO certification nor ESAC accreditation, which we always surface for CFOs who treat those as a screening requirement. For a Florida or Southeast employer in the trades, we think the comp economics usually outweigh that gap; for a multi-state tech employer, they are not the right fit.
Read our full FrankCrum review: our score, how it prices, where it is strong, what to check before signing, and who should choose it.
• Construction and skilled trades employers
• Small and mid-size Florida and Southeast businesses
• Employers wanting pay-as-you-go workers' comp with no large deposit
• Franchise operators and multi-location small employers
• Buyers who require CPEO or ESAC credentials
• Tech-first companies wanting a modern all-in-one HR platform
• Large multi-state enterprises needing a national service bench
Compare FrankCrum against other PEOs
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Get a free comparison →📅 Schedule a callRead: FrankCrum alternatives comparedAnswers come from FrankCrum’s profile in our directory, verified September 2026.
FrankCrum fits: Construction and skilled trades employers, Small and mid-size Florida and Southeast businesses, Employers wanting pay-as-you-go workers' comp with no large deposit and Franchise operators and multi-location small employers. Its published company-size range is 10 to 500+ employees (sweet spot: 10 to 150), and it writes Construction, Skilled Trades, Professional Services, Medical Offices and Franchises. One of the few PEOs that underwrites workers' compensation through its own affiliated carrier, which makes it unusually workable for construction and skilled trades.
FrankCrum is not the right fit for: Buyers who require CPEO or ESAC credentials, Tech-first companies wanting a modern all-in-one HR platform and Large multi-state enterprises needing a national service bench. Neither IRS CPEO-certified nor ESAC-accredited, and the service footprint is still weighted toward Florida and the Southeast.
FrankCrum does not publish rates. Pricing model: Bundled administrative fee quoted per client, driven by payroll size, headcount and workers' comp risk class, quoted per client from your census, state mix and workers comp class codes. Contract terms: Annual agreements typical; confirm notice and exit terms in the CSA.
No. FrankCrum is not on the IRS certified PEO (CPEO) list and is not ESAC accredited. Without CPEO status, joining mid-year can restart FICA and FUTA wage bases unless the PEO qualifies as a successor employer, so ask how they handle it.
The providers most often compared with FrankCrum are CoAdvantage, SouthEast Personnel Leasing, Inc. (SPLI) and DecisionHR. The right alternative depends on why you are looking. The usual reason: Neither IRS CPEO-certified nor ESAC-accredited, and the service footprint is still weighted toward Florida and the Southeast. A free side-by-side puts FrankCrum next to the PEOs that fit your headcount, states and industry.