10 Best PEO Services for Small Businesses in the US (2026)

ADP TotalSource, the PEO arm of payroll giant ADP, serves companies from about 5 to more than 1,000 employees in all 50 states through more than 20 IRS-certified entities. Its service fee covers HR, payroll and benefits technology, a dedicated HR expert, compliance help, tax remittance, benefits administration, workers' compensation insurance and employment-practices liability coverage, and it is billed each pay period as a percentage of payroll rather than as a published price. Best for: growing and multi-state companies that want a large PEO with workers' comp and liability coverage built in.

TriNet, the Dublin, California PEO (NYSE: TNET), charges a flat fee per employee per month that depends on company size, industry, location and services, priced by quote; its pricing page uses an example of $150 per employee for a 20-person company, and benefit premiums are billed separately. The fee covers payroll and payroll-tax administration, HR experts, benefits administration, workers' compensation administration and its HR platform, and in March 2026 it added an AI assistant and global hiring tools. Its PEO entity has been IRS-certified since 2018. Best for: small and midsize companies that want a large, publicly traded PEO with flat per-employee pricing.

Insperity, the Kingwood, Texas PEO led by chairman and CEO Paul Sarvadi, is built around hands-on HR service and prices its HR360 offering in two parts: pass-through costs for payroll taxes, workers' compensation, benefits and liability coverage, plus a fixed service charge per employee set by company size rather than wages. It covers payroll, tax withholding, W-2s, time and leave administration, Insperity-sponsored benefit plans and HR compliance guidance, and in February 2026 it launched Insperity HRScale, which pairs its PEO service with Workday’s HR and payroll software. Its PEO entities are IRS-certified. Best for: established small and midsize businesses that want hands-on HR support, or Workday together with a PEO.

Paychex PEO comes from the Rochester, New York payroll company that also owns Oasis and, since April 2025, Paycor. It pays your staff and files payroll taxes under its own tax ID, and includes health, retirement and wellness plans, workers' compensation, an HR business partner and compliance and safety support. Pricing is by quote, based on company size, industry, services and headcount, and businesses with fewer than 10 employees don’t get a dedicated client advocate. Several Paychex and Oasis entities are IRS-certified PEOs, so check that your contract names one of them. Best for: small businesses that want a certified PEO with workers' comp included from a large, established payroll provider.

Rippling PEO adds co-employment on top of Rippling’s HR, IT and payroll software, with payroll and automated state and local tax filing, workers' compensation, benefits administration, medical, dental, vision, 401(k), HSA, FSA and commuter plans, employment practices liability insurance and access to certified HR experts. Pricing is by quote. Unlike most providers on this list, Rippling’s PEO entity does not appear on the IRS list of Certified PEOs, a status Rippling argues is not always necessary. Best for: companies that use Rippling, or plan to, and want PEO benefits in the same system.

G&A Partners, the Houston PEO backed by private equity firm TPG since 2024, has grown quickly through acquisitions, buying AmCheck’s Austin and Las Vegas operations, GrowthForce, Integrity HRM, Covenant Services and HRO Resources in 2025 and the New York PEO Ethan Allen HR Services in January 2026; it reported more than 5,000 clients and 125,000 worksite employees in April 2025. Its PEO has been IRS-certified since 2020, and through GrowthForce it also offers outsourced accounting. Pricing is by quote. Best for: growing businesses, especially in Texas or across several states, that want a PEO with optional accounting support.

Engage PEO, a Florida-based PEO that has been IRS-certified since 2017, provides payroll, benefits, workers' compensation and HR and compliance guidance, and has expanded through acquisitions, including Axios HR in Michigan in March 2025 and Aspen HR in the San Francisco area in December 2025, which it called its ninth acquisition in three years. Pricing is by quote. Best for: small businesses that want a full-service PEO with hands-on HR help.

PrestigePEO, founded in 1998 by CEO Andy Lubash and based in Melville, New York, partnered with private equity firm TriSpan in 2021 and has grown by acquiring other PEOs, including Advantage Personnel Resources in 2023 and Teamwork Services in Georgia in 2024. It provides benefits, payroll administration, workers' compensation, compliance support and HR guidance; its PEO entities are IRS-certified, and it says it is ESAC-accredited. Pricing is by quote. Best for: small businesses, especially in the Northeast, that want a founder-led PEO.

Deel, best known for international payroll and employer-of-record services, sells a US PEO from $125 per employee a month that covers co-employment in all 50 states, managed payroll and tax filing, health, dental, vision, mental-health, fertility and 401(k) benefits, and on-demand HR, legal and tax experts. Its pricing FAQ promises month-to-month terms, but a promotion for contracts signed by December 31, 2026 requires a two-year term, and leaving early means paying full list price for the whole term. Deel’s PEO is not on the IRS list of Certified PEOs, and Deel is defending a corporate-espionage lawsuit brought by Rippling; the allegations are unproven. Best for: companies with US staff plus international hires or contractors that want one provider.