Rankings updated Oct 27, 202627 PEOs scored15 IRS-certifiedNo pay-to-rank. How scoring works
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6 PEOs · updated Oct 27, 2026

PEO rankings for companies under 10 employees, 2026

Every PEO here accepts five employees or fewer. Minimums are published or confirmed by third parties.

Data compiled by the PEOranked Research TeamScores updated Oct 27, 2026
RankPEOPriceCertificationMinimumTrust Score
1JustworksJustworks$79–$124/employee/moCPEOESACNone100A
2ADP TotalSourceADP (NASDAQ: ADP)~$70–$200/employee/moCPEOESAC5 employees77B
3InsperityInsperity (NYSE: NSP)~$150–$210/employee/moCPEOESAC5 employees77B
4Paychex PEOPaychex (NASDAQ: PAYX), includes OasisQuote onlyCPEOESAC5 employees67C
5Amplify HRAmplify HR Management~$100–$180/employee/moCPEOESAC: Not confirmedNone54C
6Sequoia OneSequoiaQuote onlyCPEOESAC: Not confirmed5 employees47D

Compare these PEOs

6 of 6 PEOs

PEO admin fee, per employee per month

Bars span the low-to-high range; a dot is a single published price. Admin fees only: benefits, workers' comp and state taxes are extra. Click a row to compare.

Published by the PEOThird-party estimateQuote onlyNo public figure
Justworks$79–$124
ADP TotalSource~$70–$200
Insperity~$150–$210
Paychex PEOQuote only—
Amplify HR~$100–$180
Sequoia OneQuote only—
$0$50$100$150$200$250

Rippling PEO adds a platform fee (about $35 plus $8 per user). Insperity reports an onboarding fee of about $500–$2,000.

Comparing 3
Justworks
ADP TotalSource
Insperity
Trust Score
100 / 100
77 / 100
77 / 100
Price
$79–$124/employee/moFlat PEPM
~$70–$200/employee/mo% of payroll or PEPM
~$150–$210/employee/mo% of payroll
Pricing
Published
Estimate
Estimate
Certification
CPEO: YesESAC: Yes
CPEO: YesESAC: Yes
CPEO: YesESAC: Yes
Minimum
None
5 employees
5 employees
Best fit
1–100 employees
10–200 employees
20–200 employees
Contract
Month-to-month
Multi-year terms reported
Annual
Coverage
National
National
National, 90+ offices
Industries
Tech and startups, Professional services
Professional services, Financial services
Professional services, Healthcare practices, Tech and startups
Strengths
Published pricing · Month-to-month, no implementation fee · CPEO certified and ESAC accredited
Scale and decades of payroll-tax infrastructure · Annual benefits benchmarking · CPEO and ESAC
Dedicated HR specialists · Deep training content · HRScale (Workday) for the mid-market
Watch out for
Per-employee cost doesn't fall with size · Limited reporting and leave tools
Payroll-based fees rise with raises · Long contracts reported · Underwriting may turn away high-risk industries
Premium price · Price increase reported in January 2026
Details

Questions buyers ask

Which PEOs have no minimum?

Justworks and Amplify HR accept a single employee.

Other rankings