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Updated October 2026 · 11 PEOs

The cheapest PEOs by cost per employee (2026)

Ranked by the low end of each PEO's price range. Published prices are marked; estimates come from third-party sources and vary with your payroll, benefits and workers' comp.

Quick picks

The short answer for each situation, with price, certification and minimum headcount.

Best forPEOPricePricingCertifiedMinimum
Best for service and retentionExtensisHR~$40–$200/employee/moEstimateCPEOESAC10 employees
Best for compliance depthEngage PEO~$40–$160/employee/moEstimateCPEOESACNot published
Best for scale and payroll infrastructureADP TotalSource~$70–$200/employee/moEstimateCPEOESAC5 employees
Best for transparent pricingJustworks$79–$124/employee/moPublishedCPEOESACNone
Best for industry-specific benefitsTriNet~$80–$150/employee/moEstimateCPEOESACNot published
Best for an all-in-one HR and IT platformRippling PEO~$85/employee/moEstimateCPEO: NoESAC: NoNot published
Lowest published PEO priceRemote PEO$99/employee/moPublishedCPEO: Check entityESAC: Not confirmedNot published
Best for very small teamsAmplify HR~$100–$180/employee/moEstimateCPEOESAC: Not confirmedNone
Best for multi-state teamsCoAdvantage~$120–$180/employee/moEstimateCPEOESAC: Not confirmed10 employees
Best for teams hiring in the US and abroadDeel PEO$125/employee/moPublishedCPEO: Check entityESAC: Not confirmedNot published
Best for hands-on HR supportInsperity~$150–$210/employee/moEstimateCPEOESAC5 employees

Compare prices

Compare cheapest peos side by side

Filter by certification, headcount and contract terms. Tick up to three to compare them in columns.

11 of 11 PEOs

PEO admin fee, per employee per month

Bars span the low-to-high range; a dot is a single published price. Admin fees only: benefits, workers' comp and state taxes are extra. Click a row to compare.

Published by the PEOThird-party estimateQuote onlyNo public figure
Engage PEO~$40–$160
ExtensisHR~$40–$200
ADP TotalSource~$70–$200
Justworks$79–$124
TriNet~$80–$150
Rippling PEO~$85
Remote PEO$99
Amplify HR~$100–$180
CoAdvantage~$120–$180
Deel PEO$125
Insperity~$150–$210
$0$50$100$150$200$250

Rippling PEO adds a platform fee (about $35 plus $8 per user). Insperity reports an onboarding fee of about $500–$2,000.

Comparing 3
Price
~$40–$200/employee/moQuote (sold through brokers)
~$40–$160/employee/moQuote
~$70–$200/employee/mo% of payroll or PEPM
Pricing
Estimate
Estimate
Estimate
Certification
CPEO: YesESAC: Yes
CPEO: YesESAC: Yes
CPEO: YesESAC: Yes
Minimum
10 employees
Not published
5 employees
Best fit
10–250 employees
5–200 employees
10–200 employees
Contract
Annual
Annual
Multi-year terms reported
Coverage
New Jersey-based, expanding in TX and CA
All 50 states
National
Industries
Healthcare practices, Professional services
Healthcare practices, Professional services
Professional services, Financial services
Strengths
93% client renewal rate (company-reported) · Long CPEO and ESAC history
HR consultants are licensed employment attorneys · CPEO and ESAC
Scale and decades of payroll-tax infrastructure · Annual benefits benchmarking · CPEO and ESAC
Watch out for
Pricing hard to see without a broker
Smaller footprint than the national PEOs
Payroll-based fees rise with raises · Long contracts reported · Underwriting may turn away high-risk industries
Details

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The list

Cheapest PEOs, reviewed

Who each PEO suits, who should skip it, and what we could verify about price and certification.

Best for service and retention

1.ExtensisHR

A service-led PEO from New Jersey, usually sold through benefits brokers, with a 93% reported renewal rate.

Who it's for: Companies of 10–250 that work with a benefits broker and value service.

Skip it if: Buyers who want to see pricing without a broker.

Pros

  • 93% client renewal rate (company-reported)
  • Long CPEO and ESAC history

Cons

  • Pricing hard to see without a broker
ExtensisHR reviewExtensisHR pricing

Best for compliance depth

2.Engage PEO

A boutique PEO whose HR consultants are all licensed employment attorneys.

Who it's for: Small and mid-size businesses that want attorney-level HR compliance help.

Skip it if: Buyers who want the scale of a national brand.

Pros

  • HR consultants are licensed employment attorneys
  • CPEO and ESAC

Cons

  • Smaller footprint than the national PEOs
Engage PEO reviewEngage PEO pricing

Best for scale and payroll infrastructure

3.ADP TotalSource

The PEO arm of ADP, the largest payroll brand, with annual benefits benchmarking.

Who it's for: Companies of 10–200 that want a large, established provider.

Skip it if: High-risk industries that may be declined at underwriting, and buyers who want short contracts.

Pros

  • Scale and decades of payroll-tax infrastructure
  • Annual benefits benchmarking
  • CPEO and ESAC

Cons

  • Payroll-based fees rise with raises
  • Long contracts reported
  • Underwriting may turn away high-risk industries
ADP TotalSource reviewADP TotalSource pricing

Best for transparent pricing

4.Justworks

A self-serve PEO with published prices and month-to-month terms.

Who it's for: Startups and small teams that want a known monthly price and no long contract.

Skip it if: Companies over about 100 employees: the per-employee price never drops as you grow.

Pros

  • Published pricing
  • Month-to-month, no implementation fee
  • CPEO certified and ESAC accredited

Cons

  • Per-employee cost doesn't fall with size
  • Limited reporting and leave tools
Justworks reviewJustworks pricing

Best for industry-specific benefits

5.TriNet

A PEO organized around industry verticals: tech, life sciences, financial services, nonprofits and more.

Who it's for: Companies of 10–500 that want benefits and compliance built for their industry.

Skip it if: Buyers who need a price before a sales call.

Pros

  • Industry-specific compliance and benefits
  • Flat per-employee admin fee
  • CPEO and ESAC

Cons

  • No public rate card
  • Several features rely on partners
TriNet reviewTriNet pricing

Best for an all-in-one HR and IT platform

6.Rippling PEO

A PEO layered on Rippling's HR, IT and finance platform, which you keep if you leave the PEO.

Who it's for: Tech-forward companies of 10–500 that want one system for HR, devices and apps.

Skip it if: Buyers who require IRS CPEO certification or ESAC accreditation.

Pros

  • Switch the PEO off without changing systems
  • 500+ integrations

Cons

  • Not a certified CPEO or ESAC accredited
  • Add-on modules raise the total cost
Rippling PEO reviewRippling PEO pricing

Lowest published PEO price

7.Remote PEO

Remote's US PEO, priced from $99 per employee per month, beside its global EOR.

Who it's for: Remote-first startups that want the lowest published PEO price.

Skip it if: Buyers who require an IRS-certified PEO.

Pros

  • Lowest published PEO price we found
  • Global EOR in the same platform

Cons

  • New to US PEO
  • Not a CPEO under its brand name
Remote PEO reviewRemote PEO pricing

Best for very small teams

8.Amplify HR

A regional PEO from Northbrook, Illinois that takes very small teams.

Who it's for: Businesses of 1–25 that most national PEOs won't take or won't prioritize.

Skip it if: Growing companies that want the lower per-employee price of a larger PEO.

Pros

  • Takes teams from one employee
  • CPEO certified

Cons

  • Higher cost per employee at small sizes
  • Regional footprint
Amplify HR reviewAmplify HR pricing

Best for multi-state teams

9.CoAdvantage

A PE-owned PEO focused on companies with employees in several states.

Who it's for: Companies of 10–150 with staff spread across states.

Skip it if: Buyers who want a long certification track record: CoAdvantage became a CPEO in July 2026.

Pros

  • Multi-state coverage

Cons

  • Short CPEO history
  • Quote-only pricing
CoAdvantage reviewCoAdvantage pricing

Best for teams hiring in the US and abroad

10.Deel PEO

Deel's US PEO, launched alongside its global employer-of-record platform, at a published $125 PEPM.

Who it's for: Remote-first companies hiring both in the US and internationally.

Skip it if: Buyers who require an IRS-certified PEO.

Pros

  • Published price
  • US PEO and global EOR in one platform

Cons

  • New to US PEO
  • Not a CPEO under its brand name
Deel PEO reviewDeel PEO pricing

Best for hands-on HR support

11.Insperity

A high-touch, consultative PEO with a dedicated HR team and a new Workday-based tier, HRScale.

Who it's for: Companies of 20–200 that want an HR team they can call, not just software.

Skip it if: Cost-first buyers: Insperity is priced as a premium service.

Pros

  • Dedicated HR specialists
  • Deep training content
  • HRScale (Workday) for the mid-market

Cons

  • Premium price
  • Price increase reported in January 2026
Insperity reviewInsperity pricing

How we built this list

  1. Every PEO we can verify. Inclusion never depends on referral fees or partnerships.
  2. Certification checked against the IRS list. CPEO status comes from the IRS active list dated Aug 7, 2026.
  3. Prices labeled. Published prices are marked; everything else is a third-party estimate or “quote only.”
  4. Order is editorial. We order by fit for the situation in the title, and say why.

Full methodology

Considered, not included

  • Profiles marked “limited” have little public pricing or certification data. We include them so you know they exist, and update them as facts become verifiable.

Questions buyers ask

Why is my PEO quote higher than these ranges?

PEO admin fees are only part of the cost. Benefits premiums, workers' comp rates and state unemployment taxes depend on your workforce, industry and claims history.

Changelog. Oct 27, 2026: list published; CPEO status checked against the IRS list dated Aug 7, 2026.