PEO Savings Calculator
Use our PEO savings calculator to estimate what your business could save with a Professional Employer Organization. In a few clicks, see potential reductions across health benefits, workers’ comp, and core HR efficiencies, then subtract a typical PEO admin fee to view estimated net savings and ROI.
Estimate your PEO savings in minutes
Estimate savings from Medical, Workers’ Comp, and core HR efficiencies, minus a typical PEO admin fee. Move the slider or type your headcount. Toggle Annual / Monthly to see results the way you plan. The savings cards and table update instantly.
Uses U.S. national averages (midpoints across small-business size buckets). Medical, Workers’ Comp, and “Other HR” reflect typical savings; PEO admin fee is shown as a separate annual cost. Actual results vary by state, industry, risk class, and plan choices.
For precise, provider-by-provider quotes, work with our trusted PEO broker: The Huldisch Group. No cost. No pressure.
Note: These are estimates; actual savings may vary depending on your organization's size, industry, and chosen service package.
What drives PEO savings
Benefits purchasing power
PEOs negotiate at scale, which can unlock plan options and pricing many small businesses can't access alone.
Risk pooling for workers' comp
Centralized risk management, claims support, and safety programs can reduce losses, and sometimes lower effective rates.
HR automation & compliance
Payroll, tax filing, onboarding, handbook, E-Verify, and multistate compliance workflows reduce manual work and errors.
Fewer vendor silos
Bundling payroll, benefits, and HR into one platform cuts duplicate tools, third-party markups, and integration hassles.
Negotiation leverage
Bids compete. With clean data and a clear spec, many employers see better offers from multiple PEOs.
Who benefits most
Teams of 10–100 employees planning to professionalize HR
Multi-state orgs or remote teams that struggle with varying state rules
Firms in moderate-to-higher WC risk classes seeking stronger safety/compliance
Employers who want to upgrade benefits without admin sprawl
Leaders who value predictable pricing and one accountable partner
Methodology & assumptions
- Results reflect U.S. national averages across small-business size buckets.
- Medical benefits savings represent potential reductions from pooled purchasing power and plan design changes.
- Workers' comp estimates reflect improved programs, classification, and claims support; actual outcomes depend on your history and risk class.
- Other HR efficiencies include administrative time saved, payroll/compliance automation, and in some cases, SUTA improvements depending on state rules and experience ratings.
- PEO admin fee is modeled at a typical national midpoint (per-employee, per-month). Actual fees vary by provider, headcount, states, and plan mix.
- This calculator is for planning purposes and does not constitute a quote or guarantee of savings.
PEO Savings Calculator — FAQs
How accurate is this PEO savings calculator?
It's a directional estimate based on national averages. Your actual results depend on headcount, industry, states, plan choices, and current costs.
Do these figures include health insurance premiums?
The calculator models savings from benefits purchasing power, not your final premium. Quotes will show exact plans and prices.
What PEO admin fee do you assume?
A typical midpoint per-employee monthly fee. Providers may price PEPM or as a percent of payroll—your quotes will specify the model.
Will my SUTA always go down with a PEO?
Not always. SUTA depends on state wage bases and experience ratings. Some employers see meaningful savings; others see little change.
Can I negotiate PEO pricing?
Often, yes. Competing quotes, clear requirements, and clean census/payroll data help you negotiate both admin fees and benefit options.
How do I get exact numbers for my company?
Request free quotes. You'll get provider-specific fees, plan choices, and a line-item comparison for your headcount and states.
Turn Your Estimated PEO Savings Into Real Numbers
You’ve seen what your company could save with a PEO. Now find out what top providers would actually charge for your team. Our partner, The Huldisch Group, provides free, no-obligation quotes from vetted PEOs. They’ll use your employee count, industry, locations, and current HR costs to show which options can realistically deliver the savings you just estimated.