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The Best PEO Company Reviews of 2020

Simone R. Johnson, Writer
Updated: March 17, 2020

Update: We updated this page to reflect TriNet's minimum employee requirement.

For many small business owners, trying to take care of all the human resources-related tasks on their own can be too much to handle. That's why a growing number of businesses are turning to professional employer organizations (PEOs) for help. When you partner with a PEO, it manages your payroll, benefits and other human resource functions under a co-employment model. Under this model, employees are on the PEO's books, but they are still under your management.

PEOs provide several advantages for both small business employers and their employees. One significant benefit is that small businesses can offer reputable administrative services and health benefits to their employees at an affordable price.

PEOs also help you keep current with payroll tax regulations, they offer workplace training, provide unemployment insurance and workers' compensation coverage, and other employee benefits.

We researched a number of services to determine the ones we think are best for different types of businesses. You can see our recommendations below, as well as more insight into how PEOs operate.

Best Picks

To help you find the right PEO service, we analyzed and examined dozens of options. Here is a roundup of the PEOs we think are best in 2020.


Best for Startups
Key features: No employee minimum, personally tailored services, access to designated team of experts

Small Businesses

Best for Small Businesses
Key features: Over 3,000 online training resources, tailored service options, short-term contract, per-employee pricing

Customer Service

Best Customer Service
Key features: Per-employee pricing, no long-term contract requirement, ASO available for very small businesses

Very Small Businesses

Best for Very Small Businesses
Key features: Short-term contracts, services that grow with your business, personalized support

Editor's note: Interested in a PEO service? Fill out the questionnaire below to have our vendor partners provide you with information for free.

The PEO world can be complex, so we analyzed the major players and picked out those that offer the most comprehensive services for small businesses. A certified professional employer organization is the most prestigious type of PEO. You can find our best picks below and a list of other reputable companies. This is an ideal pool of companies for small businesses in need of PEO support. If you want to read reviews of companies that we didn't choose as our best picks, you can visit our sister site business.com to read more about the PEO model and the companies that may be a good fit for your business.

It's important for small business owners to understand the professional employer organization structure. You should know the health insurance benefits, HR services, workers' compensation coverage and payroll services (and payroll taxes) you get from working with a PEO. A PEO will set up a co-employment model for your business. Check out our guide to choosing PEOs to learn what to ask companies during your search. Then come back here to see our best picks.

October 2019: New data privacy legislation may impact the way PEOs operate in your state. California recently passed the California Consumer Privacy Act (CCPA), a measure designed to protect consumer data. Other states are expected to follow suit. A major aspect of PEO operation is logging and managing both company and employee data. It's not clear at this time exactly how CCPA will impact PEOs, but PEOs may have to change the collection, use and sharing of personal information in a way that could impact your business. It is something any prospective client should ask about before making a final selection.  

Our Methodology

To determine the PEO services we think are best for small businesses, we spent dozens of hours researching the top companies. Here is an explanation of our selection process.

Locating the Best Services

Our process involves putting ourselves in the mindset of a small business owner and gathering data that would be readily available to such an individual. We perform all our research by visiting company websites, making calls to customer service and reading online reviews from customers.  To determine the best PEOs for 2020, we started with 67 companies. We found these companies by analyzing industry trends, reading other review websites, considering top industry players, communicating with companies that asked for consideration and searching the National Association of Professional Employer Organizations website. The companies in the vendors list below are the most reputable companies of the 60 we considered.

Choosing the Best Services

We whittled this initial list of 67 down to around 32 companies. We reviewed their service offerings, used company websites, determined whether they were national PEOs and considered third-party accreditation.

From this list, 13 stood out as potential best picks: ADP TotalSource, Best Employment Solutions Team, Engage PEO, Insperity, Justworks, Oasis Outsourcing, Paychex, TriNet, Genesis HR, Questco, XcelHR, HROi and G&A Partners. (See the full list of PEO services and their websites below.)

Researching Each Service

We took a deep dive into these 13 companies with an in-depth look at their available services, contract structure, pricing agreements, online and mobile access, personalized customer experience, and any standout features. We also posed as small business owners, interacting with companies by email, live chat, and phone to determine what the sales experience was like and grade their overall customer service.

Analyzing Each Service

Of these 13 companies, we determined five that would be our best picks for customer service, small businesses, midsize businesses, startups and very small businesses. ADP TotalSource, Insperity, Oasis Outsourcing, Paychex and TriNet all withstood our rounds of testing and earned best-pick status. We analyzed each for the following features and services: payroll services, benefit options, HR guidance and support, pricing structure, online and mobile employee access, customer service, accreditation, number of states served, training resources, company size, and standout features.

What to Expect in 2020

The PEO industry is growing. We expect that growth to continue in 2020 and that the number of businesses partnering with PEOs will increase, or at the very least, continue at a steady rate.

As the number of PEOs increases, we also expect to see new regulations that go into effect at the state and federal level. Previously, when the number of PEOs reached more than 700, only 30 were certified by the Internal Revenue Service. At that time, several new regulations were enacted, including passage of the Certified Professional Employment Organization program and the PEO Model Act. The CPEO program was created to regulate the number of PEOs certified by the IRS, which made them eligible for better tax treatment.

When the PEO industry began to grow, the PEO Model Act was put in place to moderate PEO's use of experience ratings for workers' compensation insurance. Historically, advancements in the PEO industry have led to regulation updates, so we expect other adjustments to be made during 2020.

As competition increases, we predict more differentiation between PEOs with the specific services and features they offer to certain companies. For example, we expect more PEOs to offer specific human resource services, like advanced employee learning programs that incorporate interactive courses, digital books, and even live or virtual seminars.

Oasis Outsourcing



Accreditation: ESAC and IRS

Oasis Outsourcing has a large PEO offering, with services in risk management, payroll processing, benefits administration and human resources. Its focus on HR solutions, employee benefits, payroll administration, workers' compensation and growth strategy makes it an ideal partner for many small businesses. It's an option startups should seriously consider.

When you partner with Oasis Outsourcing, you'll adopt a co-employment model, which is consistent with other PEOs. This model means your employees will appear on Oasis Outsourcing's books. You still have full administration over your employees, but you'll be able to take advantage of Oasis' HR outsourcing, payroll services and employee benefits administration.
Read our full review of Oasis Outsourcing


Small Businesses


Accreditation: ESAC and IRS

Insperity provides small businesses with personalized coverage and comprehensive service options. Businesses that partner with Insperity have access to over 3,000 training resources as well as payroll processing, benefits administration, HR solutions and risk management. It also has extensive services for human resources, workers' compensation, human capital management, payroll, employee onboarding, government compliance and workforce optimization. As our best pick for small business, Insperity provides small businesses and employees with reliable services. It can also help you analyze and overhaul various business processes to make your company more efficient.

Insperity provides one of the most robust service selections of any company we reviewed without sacrificing personalized support. We interacted with Insperity over email and the phone, posing as a small business owner searching for a PEO service. Insperity sales representatives were incredibly nice, providing us with the proper information and learning more about our business in a genuine way.

As a business solutions provider, Insperity can improve your small business and its overall operations.
Read our full review of Insperity

ADP TotalSource

Customer Service


Accreditation: ESAC and IRS

ADP TotalSource has partnered with thousands of businesses and currently has half a million employees under its umbrella. As a historical payroll provider and human capital management company, ADP is known for its ability to meet small businesses' needs. Its PEO services are another avenue of support for businesses of all sizes. Regardless of your business's size, you'll have no problem finding top-of-the-line services in risk management, benefits administration, payroll and HR outsourcing. Two standout features of this company are its payroll offering, which is employee self-service, and its HR services. It can also securely handle company data and help you plan several aspects of your business. As an omnichannel solutions company, it allows you to focus on important aspects of your employee experience, like benefits, human capital and talent management.

TotalSource is accredited by the IRS and Employer Services Assurance Corporation, putting it among the top players in the PEO industry. Our interactions with ADP's sales team members in our research was superb – they helped us learn more about PEOs and even gave us a list of key questions to ask other companies in our search.
Read our full review of ADP TotalSource


Very Small Businesses


February 2020: TriNet is a certified PEO by the IRS.

TriNet is an ideal service for very small businesses because of its flexibility – you may cancel anytime by providing a 30-day notice, as you haven't agreed to a long-term contract.

TriNet offers a range of services, like workers' compensation, payroll, human resources support, employee benefits, retirement plans and 401(k) options, employee onboarding, and additional benefit programs like commuter benefits.

TriNet has partnered with over 15,000 companies, but its support remains highly personalized. It's one of the few companies that provides industry-specific customer service teams. Many PEOs we evaluated provide a team of experts to answer your questions and facilitate services – TriNet not only offers these experts, but segments them into different industries. This means you'll get advice from an expert who is not only knowledgeable in the general service area (such as HR, payroll, benefits or compliance), but who also has expertise in your specific industry.

Payroll services are often one of a small business's biggest needs. TriNet's payroll systems are user-friendly, and you have access to a payroll specialist for any of your questions. TriNet also handles payroll taxes. While TriNet is ideal for small businesses, it provides great professional services for midsize businesses as well.

March 2020: To sign up with TriNet, businesses must have a minimum of five employees. Companies that do not meet this minimum requirement are not be eligible for TriNet's services. We will take TriNet's minimum employee requirement into consideration the next time we update this category.
Read our full review of TriNet
Full List
Best Picks


Oasis Outsourcing

Our best pick for startups, Oasis Outsourcing serves 7,500 clients and 230,000 employees nationwide. Oasis provides HR services, employee benefits, payroll administration, employee hiring assistance and risk management.


Insperity, our best pick for small businesses overall, is a large PEO that serves more than 100,000 businesses with more than 2 million employees. Insperity offers a full-service HR package, as well as individual services, to companies with five to 5,000 employees.

ADP TotalSource

ADP TotalSource, our best pick for customer service, is a global provider of business outsourcing services, including payroll, human resources, time and attendance, and benefits administration. TotalSource handles tax filing, payroll, employee benefits, compliance and workers' compensation. In addition, it provides HR advice and expertise. Its customers include small and midsize businesses.


Justworks provides a technology-first PEO solution that focuses on HR, payroll and benefits. In addition to PEO services, it offers advanced resources for your HR and business needs.

Acadia HR

Acadia HR works with small and midsize companies throughout the United States. It offers payroll, PEO and human resources outsourcing services. The company's PEO package includes payroll, payroll tax compliance, HR management services, workers' compensation, state unemployment and employee benefits.

ARC Consultants

ARC Consultants is a PEO consulting firm, not an individual PEO. This company can help you find the right PEO service at the best cost for your business.

Abel HR

Founded in 1992, Abel is a family-owned and -operated PEO that provides small and midsize firms with human resources management services. Services include HR compliance and administration, workers' compensation, training, employee benefits management, and payroll.


AccessPoint provides a wide range of human resources services to hundreds of companies across all industries. It enables businesses to outsource the management of human resources, employee benefits, payroll and workers' compensation.

Ahead Human Resources

Ahead Human Resources specializes in working with small and midsize companies. The company handles many HR-related tasks, including 125 plans; federal, state and local tax filings; health, dental, vision and life insurance; 401(k) administration; and new-hire reporting.

Alcott HR

Alcott HR provides comprehensive HR outsourcing programs to small and midsize businesses. Services include regulatory compliance and risk management, payroll and payroll taxes administration, human resources administration, employee benefits program design and administration, and training and development.

Arch Resources Group

Arch Resources Group is a PEO that manages payroll, employee benefits, human resources and workers' compensation. In addition, the company offers financial and retirement services, recruiting services, background check verification, and employee self-service options.

Best Employment Solutions Team

Best Employment Solutions Team (BEST) is a Michigan-based PEO that provides businesses nationwide with HR management, payroll services, labor law advice, compliance monitoring for federal and state labor laws, and benefits packages. The company serves many business sizes, from sole proprietors (even as a partner) to a large organization's HR department.


CoAdvantage is a PEO that offers small and midsize businesses a comprehensive package of outsourced HR services. The company integrates payroll and tax processing, employee benefits plan administration, risk management, government compliance, and other HR services into a single vendor solution. CoAdvantage serves clients in all 50 states.


Emplicity offers full-service PEO support or individual PEO and administrative services, such as customized employee benefits, workers' compensation, payroll administration, employee leasing and HR consulting.

Employee Management Services

Employee Management Services was founded in 1994 and provides professional HR solutions to more than 160 companies and their 5,500 employees. It focuses on companies in Ohio, Kentucky and Indiana, but it's licensed to provide services in other states. Its PEO services include employee selection and retention, manager training and development, human resources and benefits administration, payroll, workplace safety programs, and employee benefits analysis.

Employer Solutions Group

Employer Solutions Group provides payroll, benefits, workers' compensation, risk management, HR consulting, and all of the related administrative services to small and midsize businesses.

Engage PEO

Engage PEO offers a comprehensive HR solution that includes workers' compensation, training, claims administration, government reporting, payroll administration and benefits administration. All of Engage's HR service professionals are also attorneys, so you can be sure you're compliant with labor laws.


Extensis offers HR management, payroll and tax services, healthcare benefits, risk management and compliance, training and development programs, recruiting services, and other services for small and midsize businesses.

Optimum Employer Solutions

Optimum Employer Solutions is a human resources outsourcing company that helps small and midsize businesses manage their employer obligations. The company's HR services include interviewing, background screening, electronic onboarding, employee handbook creation, performance management, corrective actions, employee separation counseling and training. Optimum's PEO also offers payroll, employee benefits and risk management.


Paychex, our best pick for midsize businesses, serves thousands of small businesses throughout the U.S. Services include payroll processing, retirement services, insurance, and fully outsourced benefits and HR services.

Pinnacle PEO

Pinnacle manages all aspects of payroll administration, employee benefits, workers' compensation coverage and claims administration. Through its HR services, it can even assist with recruiting, selecting and hiring employees. Pinnacle currently has clients in 32 states across a variety of industries, including health services, restaurants, financial organizations and light industrial companies.

Premier Employer Services

Premier Employer Services is a PEO that provides customized HR services, including health benefits, talent acquisition, HR administration, payroll, payroll tax compliance, workers' compensation and unemployment insurance.

Prestige Employee Administrators

Prestige Employee Administrators is a human resources outsourcing firm that offers strategic HR support, payroll services, employment services and benefit programs to small and midsize businesses. All employees can get assistance via toll-free call center during business hours and on the website 24 hours a day.


Questco provides HR solutions, payroll services, employee benefits, risk management compliance and a platform for managing all your servies. It also offers great training resources for safety and compliance issues, with both onsite and online training available.

Regis HRG

This PEO service offers solutions in several categories, including human resources, payroll, benefits administration, and training and development. Corporate citizenship, regulatory compliance, workers' compensation and employee wellness programs are also available. You can choose what services you need, and each plan is tailored to your business's needs.

Resource Management Inc.

Resource Management Inc. (RMI) is a PEO that serves more than 10,000 employees in 48 states. RMI says it is strictly regulated, insured, audited and professionally licensed. In addition to payroll and benefits, RMI is involved in hiring, firing, job descriptions, performance evaluations, promotions and transfers.

Siracusa Staffing & Leasing

Based in Florida, Siracusa Staffing & Leasing specializes in workers compensation, payroll services and tax administration for small and medium-sized businesses.

Staff One

Staff One provides strategic HR services, risk management, compliance management, employee benefits, payroll outsourcing and tax administration for a variety of small and midsize businesses across the country. This PEO serves industries including business services, manufacturing, distribution, retail, property management and healthcare.


Synergy delivers a wide range of PEO and human capital management services. The company provides HR services, payroll processing, benefits administration, employee training and workplace safety programs. Synergy also offers an online HR portal.

Total Team Solutions

Since 1988, Total Team Solutions has provided payroll, employee benefits and HR services to small and midsize companies. The company's PEO includes payroll administration, workers' compensation, employee benefits and risk management.


TriNet, our best pick for very small businesses, provides HR outsourcing to small and midsize businesses with its bundled HR packages, cloud applications and strategic services. The PEO's bundled packages are tailored to each industry. TriNet's services include payroll, benefits, risk management and compliance. The company has more than 14,000 clients in a variety of industries.

Unique HR

Unique HR is a Texas-based PEO offering human resources, benefits and payroll services that are tailored to the needs of each business. Its self-insured workers' compensation offers businesses stable and predictable costs with no premium down payments. The company's leaders have served on the board of directors of the National Association of Professional Employer Organizations, the Employer Services Assurance Corporation, the Certification Institute of Workers' Compensation Risk Management and the Center for Fiduciary Excellence. Unique HR currently serves clients in 16 states across the country.

Vensure Employer Services

Vensure Employer Services offers solutions for outsourced payroll, human resources, benefits, risk management and workers’ compensation services. The company offers services to business of varying sizes.


XcelHR offers PEO, ASO and HR outsourcing services to small and midsize businesses. Rather than offering a one-size-fits-all package, XcelHR creates unique HR packages based on the needs of each customer. Comprehensive bundle packages or a la carte options are available. The company serves businesses with workforces ranging from 10 to more than 250 employees.


FrankCrum has been providing outsourced human resources, payroll, employee benefits, risk management and workers' compensation since 1981. As a PEO, FrankCrum helps businesses offer and administer employee benefits, including health and dental coverage and 401(k) plans. The company's online HR information system allows employees and employers to access and manage information anytime from computers or mobile devices at work or home.

Genesis HR Solutions

Genesis HR Solutions is a national company that provides PEO services to small and midsize businesses. Businesses have access to a standard suite of services, including benefits administration, payroll processing, risk management and HR outsourcing.

Globalization Partners

Globalization Partners is a good PEO choice if your company has employees in different countries around the world. This PEO service works in over 150 countries to take care of employees with benefits and other HR services. You don't have to worry about laws and regulations in each country, as Globalization Partners does this for you. It files your payroll and other taxes and ensures you stay compliant so that you can focus on running your business.

Group Management Services

GMS is a PEO and third-party administrator that serves companies of all sizes nationwide. It handles payroll and tax responsibilities, HR administration, employee benefits administration and risk management services.

Impact Workforce Solutions

Impact is an ESAC-accredited PEO that delivers solutions to small and midsize businesses. Its accreditation puts it in the top 5% of PEOs on the market. The company has been serving small businesses for over 15 years.


LandrumHR handles the human resources needs of more than 1,800 small and midsize businesses. Among the services it provides are job descriptions, employee handbooks, payroll and taxes, medical benefits, retirement plans, liability coverage, risk management, employee complaints, business development, staffing, recruiting, and consulting.


Lever1 is a Kansas City, Missouri-based PEO providing a multitude of resources for small and midsize businesses across the country. The company's services include payroll, employee manuals, recruiting, management training, health benefits, 401(k) plans, life and disability insurance, and workers' compensation.

Lyons HR

Based in Alabama, Lyons HR offers PEO services ranging from the typical HR duties to recruitment services. The company aims to offer flexible and customized services designed specifically around the needs of your business. The company has been in business for nearly 25 years.

Modern Business Associates

Modern Business Associates (MBA) offers customized payroll, tax, benefits, risk management and HR administrative services. Headquartered in St. Petersburg, Florida, MBA partners with organizations ranging from small businesses to large corporations and multiunit franchises. MBA has an internal staff of HR professionals who are licensed employment-law attorneys. They work with clients to keep them informed of relevant labor and employment requirements.

My PEO Agency

My PEO Agency is a management consulting firm that helps companies compare, select, and form successful HR outsourcing and PEO partnerships. Working with My PEO Agency can help you find the best PEO to assist your business with HR management, employee benefits, risk management and much more.

National PEO

Founded in 1999, National PEO offers a wide variety of services, including workers' compensation insurance, safety management and payroll. It also offers a multitude of HR outsourcing services, such as labor law compliance, employee handbooks, FLSA and Fair Pay Act compliance, training and development, corrective action and conflict resolution, group and individual benefits management, 401(k) plans, and strategic planning.


NetPEO is an HR brokerage firm, not an individual PEO. It connects businesses to companies that provide outsourced HR services.


Nextep has been serving small and midsize businesses for over 20 years. It's accredited by both the IRS and ESAC, and it provides HR, benefits, payroll and risk compliance services.

OneSource Business Solutions

OneSource Business Solutions provides HR outsourcing to small and midsize companies. Its integrated service package includes payroll administration, workers' compensation, human resources, benefits administration and government compliance.

Editor's note: Interested in a PEO service? Fill out the questionnaire below to have our vendor partners provide you with information for free.

Simone R. Johnson
Simone R. Johnson, Writer

Simone R. Johnson was born and raised in New York City. She graduated from the University of Rochester in 2017 with a dual degree in English language media and communications and film media production. She has been a reporter for several New York publications prior to joining Business News Daily and business.com as a full-time staff writer. When she isn't writing, she enjoys community enrichment projects that serve disadvantaged groups and rereading her favorite novels.