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Have you ever wondered how pricing within the PEO world works?

The cost of a PEO can be easy to understand if you're aware that there are only 3 variable parts of your monthly fee:

  1. Workers' Compensation rates-
    1. These can either be written at the "manual" state/NCCI-determined rate, at a discount if you have had good claims history or at a surcharge to the manual rate if you have had poor claims history.
  2. Administration rate-
    1. This rate will vary based on the amount of payroll you run.
      1. The more payroll you run, the lower your administration costs should be.
      2. But, beware overestimating how much payroll you will have since you may have a minimum set based on your projected levels.  Estimate too high and you may end up paying even more with a lower administration rate because your minimum rate is higher then what you would normally be charged.
  3. SUTA (State Unemployment Tax Assessment)-
    1. The starting rate in Florida is 2.7% for new companies.
      1. Some PEO's will offer lower or higher SUTA rates, but the max rate in Florida is 5.4%.
      2. ​Cut offs-  After each employee makes a specified amount of money per year (different for each state), the employer is no longer required to pay State and Federal taxes.  Some PEO's will continue to charge this tax as a fee even after the government is no longer collecting the money.

Other than the three variable costs listed above, your only other cost considerations should be:

  1. Set up fees-  This charge is incurred to offset the cost of paperwork and efforts involved with enrolling a client.
    1. Set up fees normally range from $200 - $15,000 depending on the complexity of the company being enrolled.
  2. Deductibles-  This is a charge that is only incurred if you have a workers' compensation claim.  They typically work in a manner very similar to that of a health insurance deductible.  The client company is responsible for the cost of the claim up to the cost of the deductible before the PEO or carrier assumes responsibility for the remainder of the cost.
  3. Collateral-  Some PEO's will charge collateral when you first sign up with them.  This is to ensure claims are paid and that the PEO is not left with unpaid charges if/when the client leaves at the end of their contract.
  4. Additional unspecified fees-  There will be other small charges such as direct deposit start/stop, new employee set up fees, delivery fees for paper checks, etc., and they should be reviewed carefully prior to entering into any PEO arrangement.  Typically, however, these fees are not as significant as the previously mentioned costs above.

But of course, the best way to determine if you are getting the best possible value, is to call us!

Call now, for a free quote and/or evaluation of your current plan-








SS&L offers workers'

compensation in Clearwater,

Florida and throughout the


Providing cost effective workers' comp and quality payroll services for small business!

Our Company

There is only one PEO Broker!

Our company specializes in helping business owners develop a solid foundation and business strategy so they can be successful. We will work to improve your "Business of Employment" by assisting you with all your online payroll services and workers' compensation needs in Clearwater, West Palm Beach, Orlando and throughout Florida.

1944 North Hercules Avenue

Clearwater, FL 33763, USA





Mon - Fri 9am - 5pm
Closed Saturdays & Sundays

The JUA, or Joint Underwriting Association, is the option of last resort.  Not only for clients requiring workers' comp that they can't secure in the standard market, but for agents as well.  The JUA is NOT a good fit for most clients and is definitely not a good fit for most agents.

The clients get terrible rates with service that is not much better and the agents get a lot of work and headache for very low commissions.  This is a recipe for disaster for both parties.

It is simply human nature that agents would not work hard when the work is difficult and they are not well compensated for their efforts.  And the clients will not be happy that they do not have a simple, low cost option for providing them coverage quickly.

The solution?  Work with a PEO broker that will make life easy for the agent and less stressful and expensive for the client!

​​​​​CALL US NOW!  -  844-377-2635 

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