PEO Exit Insights
Guides, cost analyses, and practical advice from the team that's managed hundreds of PEO transitions.
5 Numbers to Pull from Your PEO Invoice Before Your Next Renewal
Before you sign another year with your PEO, run these five calculations. Most companies have never done this. What you find may change your decision entirely.
Read article → Compliance | NewBefore You Leave Your PEO: Read the ERTC Fine Print First
PEOs charge service fees on Employee Retention Tax Credits even after you leave. The IRS calls pass-through a civil matter. Here is what to check in your ERTC addendum before giving notice.
Read article → Renewal Strategy | NewThe Q4 PEO Renewal Trap: How Auto-Renewal Costs You 90 Days of Leverage
Most PEO contracts auto-renew with a 60-90 day notice window. Miss it and you are locked in for another full year. Here is how to spot the trap and reclaim your timing.
Read article → OperationsMulti-State Tax Registration Sequence: The Step-By-Step Order for Leaving a PEO
When you leave a PEO, you must register your own EIN with every state where you have employees. The sequence matters. Here is the realistic timeline by state.
Read article → Investigative — NewInsperity Is in Trouble: What It Means for Your PEO and Why Now May Be the Time to Leave
Insperity posted a $7 million net loss in 2025, cut 4% of staff, and saw its stock drop over 60%. If you're an Insperity client, here's what the financial distress, rising healthcare costs, and declining service quality mean for your business.
Read article → Case Study — NewInside a Real PEO Exit: How We Found $121K in Annual Savings for a 62-Employee Tech Company
A forensic walkthrough of an actual PEO exit analysis. Real invoices, real market quotes, real savings. See exactly how we took apart a PEO's bundled pricing and found $121,000 in annual savings — line by line.
Read the full case study → Funding StrategyFully Insured vs. Level-Funded vs. Self-Funded: Which Is Right After Leaving Your PEO?
Your PEO kept you on a fully insured master plan. Now that you're leaving, you have options. Here's how to evaluate which funding mechanism fits your company's risk profile and budget.
Read article → PEO CostsHow Much Does It Really Cost to Stay in a PEO?
Most companies in a PEO don't know what they're actually paying. We break down the hidden costs buried in bundled invoices, from admin fees to medical markups to workers' comp padding.
Read article → ADP TotalSourceHow to Leave ADP TotalSource: A Step-by-Step Guide
ADP TotalSource is the largest PEO in the country. Leaving it is completely doable, but you need a plan. Here's exactly how the process works, from contract review to go-live.
Read article → Exit ChecklistPEO Exit Checklist: Everything You Need Before You Leave
A practical, line-by-line checklist from the team that's handled hundreds of PEO exits. Documents, timeline, benefits, HRIS, compliance, and what to expect at every phase.
Read article → Workers' Comp & EPLIWorkers' Comp and EPLI Inside a PEO: What You're Really Paying
Your PEO bundles these coverages into your invoice and marks them up. Here's what that convenience actually costs and what standalone coverage looks like.
Read article → 401(k) TransitionYour 401(k) When Leaving a PEO: What Happens and How to Transition It
The 401(k) is one of the most misunderstood pieces of a PEO exit. Here's what actually needs to happen, when, and what to watch out for.
Read article → Tax CreditsIs Your PEO Claiming Your Tax Credits?
PEOs file taxes under their own EIN. That means federal and state tax credits your business earned — WOTC, R&D, FICA tip credits — may be going to them, not you.
Read article →Ready to See What You'd Save?
Free PEO exit analysis. No obligation. Backed by IMA Financial Group, the 2nd largest independent brokerage in the country.
Get Your Free Analysis