Stop overpaying.
Leave your PEO.
See the real numbers.
Most companies don't know what their PEO actually costs them. We crack open your invoices, map your census data, and build a side-by-side comparison with the open market — so you can decide with real numbers, not guesswork.
You outgrew your PEO.
That's a good thing.
PEOs work early on, but as your company scales, the bundled model starts costing more than it saves. Here's what we hear most.
Costs Keep Climbing
Admin fees, bundled markups, and opaque billing mean you're paying far more than standalone market rates for the same coverage.
Benefits Lock-In
Your PEO picks your carriers and plan designs. Zero ability to shop the market or tailor benefits to what your team actually needs.
No Cost Transparency
Bundled invoices hide what you pay for medical, dental, workers' comp, and admin. You can't optimize what you can't see.
Rigid Technology
Stuck with your PEO's HRIS whether it fits or not. Modern platforms like Paylocity, Gusto, or Paycom offer far better experiences.
You've Scaled Past It
Once you hit 30–50+ employees, the PEO economics flip. You have enough scale to negotiate competitive rates on your own.
Culture & Control
Co-employment means another company's name on paychecks and tax filings. It's time to own your employer brand and HR decisions.
From PEO invoice to
market-ready in 4 steps.
Our forensic analysis approach means no guesswork — only data-driven decisions backed by real market comparisons.
Invoice Extraction
We pull your PEO invoices apart line by line — admin fees, medical, dental, vision, workers' comp, FICA, SUTA — to isolate every cost component.
Census Cross-Reference
Your employee census data gets mapped against PEO tier structures and enrollment records to build accurate per-employee cost profiles.
Market Comparison
We run a full RFP across medical carriers, payroll providers, and HRIS platforms to assemble competitive standalone alternatives.
Decision Workbook
You receive a comprehensive Excel workbook with rate cards, enrollment data, invoice history, and a clear savings analysis — all in one place.
We don't just analyze.
We handle everything.
When you leave a PEO, every piece of the bundle needs to be replaced — medical, ancillary, workers' comp, EPLI, payroll, HRIS, and more. We go to market on all of it, so you don't have to juggle five different brokers.
Medical Benefits
We run a full RFP across all major medical carriers — UHC, Aetna, Cigna, BCBS, Kaiser, and more — to find plans that match or improve your current coverage at significantly lower rates.
Dental, Vision & Ancillary
Every ancillary line gets its own market analysis — dental, vision, life, disability (STD/LTD), accident, critical illness, and voluntary benefits. We find the right carriers and plan designs for your team.
Workers' Compensation
Your PEO bundles workers' comp into one opaque line item. We unbundle it, analyze your mod rate, and go to market to make sure your premiums are truly competitive — not padded with PEO markup.
HRIS & Payroll Technology
We conduct a thorough technology evaluation across platforms like Paylocity, Gusto, ADP Workforce Now, Paycor, and more — matching features, reporting, and employee experience to your needs.
EPLI & Compliance
Employment Practices Liability Insurance is often buried in PEO contracts. We make sure you have standalone EPLI coverage in place so you're protected from day one after the transition.
Ongoing Support
We don't disappear after the transition. We stay with you as your ongoing benefits advisor — supporting your HR team through renewals, open enrollment, employee questions, and compliance year after year.
Your PEO doesn't share claims data. We built a way around that.
PEOs keep your group's claims history locked away — which means you have no way to evaluate whether a level-funded or self-funded plan could save you significantly more money. Without that data, most brokers just default to fully insured quotes and leave money on the table.
We use a proprietary AI-driven analysis that evaluates your census demographics, industry benchmarks, and risk profile to model which funding mechanism is the best fit for your company — even without claims data. It's the same kind of insight large self-insured employers have, now available to mid-market companies leaving a PEO.
From the first invoice review to open enrollment support years down the road — we're with you the entire way. One team, one point of contact, every piece of the puzzle handled.
The numbers speak
for themselves.
Every engagement starts with a no-cost analysis. Here's what recent clients discovered.
for a 72-employee company
for a 127-employee company
for a 218-employee company
Trusted by business leaders
across the country.
We had no idea how much we were overpaying until we saw the full analysis side-by-side. The transition was smooth and our employees didn't miss a beat. We're saving $92,378 a year now.
The workbook was incredibly detailed — every line item broken out, every carrier comparison mapped. It gave our board the confidence to make the decision. Best business decision we made all year.
Everything you need
to know about leaving.
How much does your PEO exit analysis cost?
Nothing. Our initial analysis is 100% free with no obligation. We pull apart your invoices, map your census data, and show you exactly what you'd save. If the numbers make sense and you decide to move forward, we earn our compensation through standard broker commissions from the carriers and providers — never from you.
How long does the analysis take?
Typically 1–2 weeks from the time we receive your PEO invoices and census data. We'll deliver a comprehensive workbook with rate cards, enrollment data, invoice history breakdowns, and side-by-side market comparisons.
What size companies do you work with?
We work with companies ranging from 40 to 1,500+ employees. The sweet spot for PEO exits is typically companies with 40–200 employees — large enough to get competitive standalone rates, but often still stuck in a PEO arrangement they've outgrown.
What if the analysis shows we should stay with our PEO?
Then we'll tell you that. Our job is to show you the real numbers so you can make the best decision for your company. If staying with your PEO is the right move, we'll tell you — and you'll know with certainty instead of guessing.
Will my employees' benefits be disrupted during the transition?
Minimizing disruption is a top priority. We coordinate timing with your PEO termination date, ensure continuity of coverage, and manage the enrollment process so your employees experience a seamless transition with no gaps in benefits.
Which PEOs do you help companies leave?
All of them. We have experience with ADP TotalSource, TriNet, Insperity, Engage, Justworks, Rippling, and many others. The analysis process works the same regardless of which PEO you're currently using.
What do we transition to after leaving the PEO?
A standalone setup tailored to your company: your own group medical/dental/vision plans through major carriers, a modern HRIS and payroll platform (like Paylocity, Gusto, or ADP Workforce Now), standalone workers' comp, and whatever else you need. Everything is selected through competitive RFP — you get the best market rates.
Get your free PEO
exit analysis.
Find out exactly what your PEO is costing you — and what you could save with a standalone approach. No obligation, no pressure, just real numbers.
- Line-by-line invoice breakdown of your true PEO costs
- Census-matched employee cost profiles by tier
- Side-by-side market comparison with standalone alternatives
- Comprehensive decision workbook delivered in 1–2 weeks
- 100% free — we're paid by carriers, never by you
Request Your Free Analysis
Fill out the form and we'll be in touch within 24 hours.
Your information is kept confidential and never shared.
Why companies across the country choose LeavePEO
LeavePEO is the national PEO exit practice at IMA Financial Group, the 2nd largest independent insurance brokerage in the United States. We specialize in helping companies transition away from Professional Employer Organizations — including ADP TotalSource, TriNet, Insperity, Engage, Justworks, and Rippling — to standalone employee benefits, payroll, and HRIS solutions.
Our forensic PEO exit analysis starts with a line-by-line invoice extraction and census data cross-reference, followed by a comprehensive market RFP across medical carriers, ancillary providers, workers' compensation, EPLI, and payroll technology platforms. Companies we work with typically save between $90,000 and $100,000+ per year after transitioning due to reduced fees and better market rates. Our proprietary AI-driven analysis even identifies optimal funding mechanisms — fully insured, level-funded, or self-funded — for companies whose PEOs don't provide claims data.
Whether you're a business owner, CFO, or HR leader considering a PEO exit, we provide a free, no-obligation analysis that shows you exactly what you're paying and what the open market can offer. We serve companies nationwide with 40 to 1,500+ employees across every industry.