Leaving Rippling PEO?
See the real numbers.
Rippling's platform is modern. Their PEO pricing isn't automatic savings. If you're on Rippling PEO and exploring alternatives, we'll show you the real market comparison.
The 4 reasons Rippling clients call us.
We help tech and professional services companies exit Rippling PEO, typically 50 to 200 employees.
Modern Tech, Traditional Pricing
Rippling's PEO inherits the same bundled-insurance economics as older PEOs. The platform is best-in-class. The pricing for insurance and admin still warrants a market check.
Benefits Carrier Limitations
Rippling PEO uses curated carrier relationships. A full standalone RFP against UHC, Aetna, Cigna, BCBS, and Kaiser often produces better plan design at lower cost for groups 50+.
Workers' Comp Bundling
Workers' comp is bundled into Rippling PEO pricing. Unbundling and going direct-to-market typically produces significant savings, especially for low-hazard industries.
Keep the Tech, Drop the PEO
Many companies love Rippling's platform but want to exit the PEO structure. You can keep Rippling for HRIS/payroll and run standalone benefits, workers' comp, and EPLI separately.
From Rippling invoice to
market-ready in 4 steps.
Same forensic process we use for every PEO exit, customized for Rippling's specific invoice structure and carrier relationships.
Rippling Invoice Forensics
We extract your Rippling 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 Rippling'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 Rippling ask most.
How much does a Rippling exit analysis cost?
Nothing. The analysis is 100% free with no obligation. We extract your Rippling 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 Rippling exit take?
The analysis takes 1 to 2 weeks from the time we receive your Rippling 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 Rippling?
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 Rippling exit?
No. We coordinate effective dates so your new standalone benefits start the day after your Rippling termination. Employees experience a plan change, not a coverage gap. We manage enrollment, ID card distribution, and employee communication.
What does a Rippling exit replace?
Everything Rippling 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 Rippling
exit analysis.
Find out exactly what Rippling 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 Rippling 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
Submit and we'll be in touch within 24 hours.
Sources & Methodology
Data sources: Industry benchmarking data and competitive market RFP results from prior PEO exit engagements of similar size.
Savings methodology: Illustrative savings range based on typical recoverable PEO overhead for a 90-employee company. Actual savings vary by census, industry, geography, and plan tier. Rippling's HRIS platform can be retained post-exit; savings reflect exit from the PEO structure, not the technology.
Leaving Rippling 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 Rippling and transition to standalone benefits, payroll, and HRIS solutions tailored to their workforce.
Our Rippling 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 Rippling 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.