Best PEO Companies in the United States (2026)

Justworks charges $59/employee/month for companies with 50+ employees and $99/employee/month for smaller teams. This flat-rate model covers payroll processing, health insurance through UnitedHealthcare and Aetna, workers' compensation, and basic HR compliance. Unlike percentage-of-payroll PEOs, you know your exact cost per head before signing. Justworks is month-to-month with no long-term contract, which is unusual for PEOs.

The platform handles multi-state payroll and tax filing in all 50 states, making it a strong fit for distributed US teams. Employee self-service is genuinely modern — comparable to standalone HR software rather than the clunky portals most PEOs provide. The trade-off is limited HR advisory depth: Justworks gives you compliance guidance via chat and phone, but not a dedicated HR specialist managing your account.

Insperity assigns a dedicated HR specialist to every client, providing hands-on guidance for employee relations, terminations, handbook development, and regulatory compliance. This is the key differentiator — while most PEOs offer phone-based compliance support, Insperity's model feels like having a fractional VP of HR embedded in your company. Pricing starts around $230/employee/month, reflecting the depth of human advisory services included.

Insperity serves companies from 5 to 5,000 employees with particular strength in the 50-500 employee range. Their benefits package includes multiple UnitedHealthcare and Humana plan options, 401(k) administration through Fidelity, and comprehensive workers' comp coverage. Implementation takes 4-6 weeks with dedicated project management. The annual contract and 60-90 day termination notice requirement is standard for full-service PEOs at this tier.

ADP TotalSource is the largest PEO in the United States, covering over 600,000 worksite employees. That scale gives them the largest insurance risk pool in the PEO industry, which typically translates to competitive health insurance rates — particularly for companies in higher-risk industries where small-group premiums are expensive. ADP TotalSource is IRS-certified (CPEO) and ESAC-accredited, meeting the highest financial and regulatory standards.

Pricing is percentage-of-payroll, typically 2-4% of gross wages. For a company with $60,000 average salaries, that translates to roughly $100-$200/employee/month. For high-salary workforces (tech, finance), this model becomes expensive — always run the math against flat-rate alternatives like Justworks. The platform includes payroll, benefits, HR compliance, workers' comp, and access to ADP's broader ecosystem including time tracking and talent management modules.

Paychex PEO serves companies with 5-1,000 employees, with a sweet spot in the 50-300 employee range. If you already use Paychex for payroll, upgrading to PEO keeps your existing configuration intact while adding co-employment benefits, workers' comp, and HR advisory. Paychex has dedicated HR professionals for each client, though the ratio is higher than Insperity — expect shared support rather than a single dedicated contact.

Pricing is custom-quoted and typically falls between Justworks and Insperity in cost. Paychex offers both flat-fee and percentage-of-payroll models depending on the arrangement. Their strength is in operational reliability — payroll accuracy, tax filing, and benefits enrollment are well-executed. The platform's time-and-attendance integration is among the strongest in the PEO space.

Oasis (a Paychex company since 2018) operates as a separate PEO brand targeting mid-market companies with 10-1,000 employees. Based in Florida, Oasis has particularly deep coverage in the Southeast US with strong carrier relationships in that region. They provide dedicated HR support, workers' comp management, benefits administration, and payroll processing.

Oasis maintains its own technology platform separate from Paychex, with benefits enrollment, onboarding, and compliance tools. Pricing is custom-quoted and competitive with Insperity for comparable service levels. The combination of Paychex's financial backing and Oasis's mid-market focus makes it a stable option, though the technology is not as modern as Justworks or Rippling.

Infiniti HR focuses on small and mid-size businesses that struggle to get affordable workers' compensation coverage on their own — particularly companies in construction, staffing, healthcare, and hospitality. Their model bundles workers' comp with payroll, benefits, and HR compliance. For companies where workers' comp premiums are a major pain point, Infiniti HR's ability to pool risk across their client base can meaningfully reduce costs.

Pricing is custom-quoted and varies significantly by industry and workers' comp classification codes. Infiniti HR is smaller than Justworks, ADP, or Insperity, which means less carrier diversity in health insurance — but their workers' comp specialization is the reason to evaluate them.

ScalePEO is a PEO broker, not a PEO itself. They evaluate your company's headcount, industry, payroll mix, and coverage needs, then present proposals from 2-4 PEO providers with pre-negotiated rates. The service is free to employers — ScalePEO earns referral fees from PEO partners. This is particularly valuable if you want to compare PEOs but do not want to engage multiple sales teams separately.

ScalePEO works with most major PEOs including ADP TotalSource, Insperity, Paychex, and regional providers. Their pre-negotiated rates are often 10-15% below what you would get approaching a PEO directly. For companies evaluating PEO for the first time, ScalePEO removes much of the comparison friction.

CoAdvantage is a full-service PEO targeting companies with 50 to 1,000 employees. They provide co-employment services including payroll, health insurance, workers' comp, retirement plans, and HR compliance support. CoAdvantage assigns dedicated service teams rather than rotating support reps, which means your team speaks to people who know your account.

Their benefits package includes multiple carrier options for health, dental, and vision, plus 401(k) administration. Pricing is custom-quoted but generally competitive with Insperity for similar service levels. CoAdvantage is strongest for companies that want high-touch service without the enterprise scale of ADP TotalSource.

Amplify PEO targets small businesses with 10-150 employees, offering co-employment services with a modern technology platform. Their model combines traditional PEO services — payroll, benefits, workers' comp, compliance — with a user-friendly employee portal and mobile access that feels closer to standalone HR software than typical PEO platforms.

Pricing is transparent relative to most PEOs, with per-employee rates that are competitive with Justworks for similar headcount tiers. Amplify PEO is a smaller provider, which means more personalized service but fewer carrier options and less insurance rate use than ADP TotalSource or Insperity.

Rippling PEO combines a genuinely modern HR software platform with co-employment services. The HR platform is the differentiator: automated onboarding workflows, device management, app provisioning, payroll, and benefits administration all operate from a single system. If you care about employee experience and operational automation as much as insurance rates, Rippling PEO is the strongest option.

Rippling PEO pricing is $35/employee/month for the platform plus PEO service fees that vary by benefits configuration. The total cost typically lands between $80-$150/employee/month depending on headcount and benefits selections. Rippling also offers a non-PEO path — you can use their HR software at $8/employee/month and manage benefits independently through a broker.

Deel is not a traditional PEO — it is a global employment platform that operates as an Employer of Record (EOR) in 150+ countries. For US companies that need PEO-like services for domestic employees plus international hiring capabilities, Deel bridges both models. Their US payroll service handles domestic payroll and compliance, while EOR services cover international employees without requiring a foreign entity.

Deel's EOR pricing starts at $599/employee/month for international employees and $49/contractor/month for global contractor payments. US payroll runs $19/employee/month without co-employment. Deel does not offer traditional US co-employment PEO with shared workers' comp and large-group benefits. If you need domestic PEO specifically, look at Justworks or Rippling. If your primary need is international expansion with some US operations, Deel is the better fit.

Gusto is not a PEO by default — it is a payroll and HR platform starting at $40/month base plus $6/employee/month. However, Gusto replicates many PEO functions: payroll processing, benefits administration, workers' comp integration, onboarding, and compliance tools. For companies where the PEO appeal is primarily payroll + benefits in one platform rather than co-employment and risk transfer, Gusto delivers that at a fraction of PEO cost.

Gusto does offer an actual PEO service (Gusto Employer Services) at approximately $80/employee/month for companies that want co-employment. The base platform supports health insurance enrollment with carrier integrations, 401(k) through Guideline, and workers' comp through Next Insurance and AP Intego. For teams under 25 employees, Gusto's standard plan is almost always more cost-effective than PEO.