Free PEO Tool
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 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.
Estimated net savings
$33,766/ yr
≈ $1,351 per employee / yr77% Estimated ROI
Estimate for 25 employees, based on 2026 U.S. national averages. See methodology.
Where your gross savings come from
Medical benefits savings (total)
$46,663/ yr
≈ $1,867 per employee
Workers' comp savings (total)
$2,253/ yr
≈ $90 per employee
Other HR savings (total)
$28,913/ yr
≈ $1,157 per employee
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 The Huldisch Group. No cost. No pressure.
Savings Drivers
Your savings don't come from a single lever. They come from several forces working together — the reason outcomes vary so widely between providers and industries.
PEOs negotiate at scale, which can unlock plan options and pricing many small businesses can't access alone.
Centralized risk management, claims support, and safety programs can reduce losses, and sometimes lower effective rates.
Payroll, tax filing, onboarding, handbook, E-Verify, and multistate compliance workflows reduce manual work and errors.
Bundling payroll, benefits, and HR into one platform cuts duplicate tools, third-party markups, and integration hassles.
Bids compete. With clean data and a clear spec, many employers see better offers from multiple PEOs.
Best Fit
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
Calculator Logic
Common Questions
It's a directional estimate based on national averages. Your actual results depend on headcount, industry, states, plan choices, and current costs.
The calculator models savings from benefits purchasing power, not your final premium. Quotes will show exact plans and prices.
A typical midpoint per-employee monthly fee. Providers may price PEPM or as a percent of payroll—your quotes will specify the model.
Not always. SUTA depends on state wage bases and experience ratings. Some employers see meaningful savings; others see little change.
Often, yes. Competing quotes, clear requirements, and clean census/payroll data help you negotiate both admin fees and benefit options.
Request free quotes. You'll get provider-specific fees, plan choices, and a line-item comparison for your headcount and states.
Get Started
You've seen what your company could save. Now find out what top PEOs would actually charge for your team. PEOIQ gathers free, no-obligation quotes from vetted PEOs and negotiates on your behalf.
Request Personalized QuotesFree · No obligation · Takes 2 minutes