Leaving ADP TotalSource?
See the real numbers.
ADP TotalSource invoices bundle admin fees, insurance loads, and pass-through costs into one opaque PEPM. We unbundle it, quantify the recoverable overhead, and show you the real market alternative.
The 4 reasons ADP TotalSource clients call us.
We've helped healthcare, professional services, and small-to-mid market companies exit ADP TotalSource, typically ranging from 40 to 200 employees.
PEPM That Hides Everything
ADP TotalSource's per-employee-per-month billing wraps admin fees, insurance spreads, workers' comp markup, and compliance loads into one number. The only way to know what you're really paying is invoice forensics.
Field Service Inconsistency
ADP TotalSource's service quality varies significantly by market and assigned representative. Multiple active clients have documented service issues leading directly to exit decisions.
Pass-Through Cost Confusion
Wages, employer payroll taxes, and base medical premiums are passed through regardless of PEO. The only number worth negotiating is the admin and insurance overhead above those costs. Most companies never see that breakdown.
Carrier Lock-In
ADP TotalSource uses its own master carrier relationships. You can't shop your group with UHC, Aetna, Cigna, BCBS, or Kaiser directly. That limits your leverage at renewal.
From ADP TotalSource invoice to
market-ready in 4 steps.
Same forensic process we use for every PEO exit, customized for ADP TotalSource's specific invoice structure and carrier relationships.
ADP TotalSource Invoice Forensics
We extract your ADP TotalSource invoices line by line. Admin fees, insurance spreads, workers' comp markup, and pass-through costs all separated and quantified.
Census Cross-Reference
Your employee census gets mapped against ADP TotalSource's tier structures to calculate accurate per-employee cost profiles and exposure.
Full Market RFP
We run competitive RFPs across medical carriers (UHC, Aetna, Cigna, BCBS, Kaiser), HRIS platforms, workers' comp, and ancillary lines.
Decision Workbook
Comprehensive Excel workbook with rate cards, enrollment data, invoice breakdown, and market comparison. One document, every number.
What companies leaving ADP TotalSource ask most.
How much does a ADP TotalSource exit analysis cost?
Nothing. The analysis is 100% free with no obligation. We extract your ADP TotalSource invoices line by line, map your census data, and show you exactly what you would save transitioning to standalone benefits, payroll, and HRIS. If you move forward, we earn standard broker commissions from carriers, never from you.
How long does a ADP TotalSource exit take?
The analysis takes 1 to 2 weeks from the time we receive your ADP TotalSource invoices and census. Full exit execution (carrier selection, enrollment, payroll/HRIS implementation, COBRA coordination) typically runs 60 to 90 days depending on your target effective date.
What size companies leave ADP TotalSource?
The sweet spot is typically 40 to 300 employees. Below 40, PEO economics can still work. Above 300, almost any mid-market broker can beat PEO pricing. The 40 to 300 band is where the exit math gets clearest.
Will my employees lose benefits during a ADP TotalSource exit?
No. We coordinate effective dates so your new standalone benefits start the day after your ADP TotalSource termination. Employees experience a plan change, not a coverage gap. We manage enrollment, ID card distribution, and employee communication.
What does a ADP TotalSource exit replace?
Everything ADP TotalSource bundles: group medical, dental, vision, life, disability, workers' compensation, EPLI, payroll processing, HRIS, and compliance support. We run a full RFP across carriers (UHC, Aetna, Cigna, BCBS, Kaiser) and HRIS platforms (Paylocity, Gusto, ADP Workforce Now, Rippling, Paycor) and build a tailored replacement stack.
Get your free ADP TotalSource
exit analysis.
Find out exactly what ADP TotalSource is costing you and what you could save with a standalone approach. No obligation, no pressure, just real numbers.
- Line-by-line breakdown of your ADP TotalSource invoice
- Census-matched employee cost profiles by tier
- Full market RFP across major carriers and HRIS platforms
- Comprehensive decision workbook delivered in 1 to 2 weeks
- 100% free, we're paid by carriers, never by you
Request Your Free Analysis
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Sources & Methodology
Data sources: Actual client invoice extraction, census data cross-reference, and competitive market RFP results. ADP TotalSource pricing methodology referenced from publicly available ADP PEO disclosures and industry analyst reports.
Savings methodology: Savings figures reference recoverable PEO overhead (admin fees, insurance loads, workers' comp markup, technology and compliance fees) net of wages and statutory payroll taxes. Pass-through costs (wages, employer FICA, base medical premiums) exist regardless of PEO and are excluded from savings calculations.
Case study: Healthcare Services Company, 72 employees, Colorado-based, $90,000 annual savings identified during exit analysis engagement.
Leaving ADP TotalSource with 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 exit ADP TotalSource and transition to standalone benefits, payroll, and HRIS solutions tailored to their workforce.
Our ADP TotalSource exit process starts with a line-by-line invoice extraction to identify the recoverable overhead (admin fees, insurance loads, workers' comp markup, compliance fees) buried in your PEPM. We then run a full market RFP across UHC, Aetna, Cigna, BCBS, Kaiser, and other major medical carriers, plus HRIS platforms like Paylocity, Gusto, Rippling, ADP Workforce Now, and Paycor. The analysis is free, delivered in 1 to 2 weeks, and comes with a comprehensive Excel workbook showing every number.
Whether you're a CFO, HR leader, or business owner evaluating a ADP TotalSource exit, we provide the forensic data and market comparison you need to decide with confidence. We serve companies nationwide with 40 to 1,500+ employees.