Live PEO comparison engine · v1.0
Quit overpaying
for your PEO.
You didn't start a business to untangle admin fee schedules, cross-reference SBCs at midnight, eat SUTA markup nobody disclosed, or pay 14% above market because nobody read page 6. So we built the thing that does. Drop a PEO quote — we'll read every line in 60 seconds.
peolens.com / evaluate
PDF
Justworks-Q2-Proposal-v12.pdf
2.4 MB · 14 pages
✓
Classify document
admin_fee_proposal
✓
Identify PEO
Justworks
✓
Extract fee structure
PEPM · $189
○
Detect hidden margin
analyzing
Benchmark vs. market
queued
Forensic summary
What they quoted you
$226,800/yr
What it should cost
$178,400/yr
You're overpaying
$48,400
Fluent inJustworksInsperityTriNetPaychexRipplingADP TotalSourceGustoPaycorFluent inJustworksInsperityTriNetPaychexRipplingADP TotalSourceGustoPaycor
The playbook, briefly
PEOs don't lie.
They just don't show you the math.
01 / PEO Markup
Margin baked into every PEPM line
The PEPM rate you're quoted isn't the PEO's actual cost — it's the cost plus margin, spread across base admin, benefits admin, risk, and "service coordination" so no single line looks excessive. Add them up. It's a lot.
02 / Benefit Admin Allocation
Admin fees hiding inside medical
A chunk of the admin fee gets allocated into the medical PEPM so the headline admin number looks competitive. Apples-to-apples comparisons fall apart — you're not actually comparing the same thing.
03 / SUTA Markup
A spread on your unemployment tax
The PEO bills you a state unemployment rate above their actual experience rate, then pockets the spread. It's invoiced as a tax. It's not a tax — it's margin with a government-sounding label.
04 / EPLI Fee
Insurance that should be included
You're paying a PEO to handle HR right. Then paying separately for insurance against the HR mistakes the PEO is supposed to prevent. If their HR is good, you shouldn't need EPLI. If you need EPLI, what are you paying the PEO for?
05 / Setup Fees
That's commission with a different label
One-time "implementation" fees of $5K–25K aren't paying for setup — most onboarding is automated. That line item is how the PEO sales rep gets paid. You're funding their commission and calling it onboarding.
06 / Renewal Drift
"Subject to annual adjustment"
Six words of fine print license an 8–14% renewal hike with no real justification. Year two is where the actual margin shows up, and most clients never recompute whether they're still competitive.
How it works
Three steps. No call required.
Drop the PDFs your PEO already sent you. Watch the engine read every line like a forensic accountant would — only faster, and without skipping the fine print.
01 / Upload
Drop the PDFs
Admin fee proposals, benefit summaries, current invoices. Whatever's in your stack — we read it.
02 / Decode
We read every line
Document classification, PEO identification, fee extraction, hidden margin detection.
03 / Compare
Side-by-side, line-by-line
Every PEO you're considering, on one page. Real fees, real dollars, real comparison.
peolens.com / evaluate · pipelineLIVE
PDF
Justworks-Q2-Proposal-v12.pdf
2.4 MB · 14 pages
PDF
Insperity-Admin-Fee-Bid8139819.pdf
1.8 MB · 9 pages
XLS
Current-Aetna-SBC.xlsx
412 KB · 3 sheets
classifydocument_type →admin_fee_proposal
identifypeo →Justworks (PEO Plus)
extractfee_structure →PEPM · $189 · effective 2026-07-01
detecthidden_admin →+$22.50/EE/mo (12.7% in non-itemized fees)
detectsuta_markup →+0.8% over PEO experience rate
As quoted
$226,800/yr
→
Fair price
$178,400/yr
Overpayment
$48,400
PEOLens vs. the proposal you got
This is what your PEO sends you.
This is what we find inside it.
Same numbers. Same PEO. One of these documents is designed to be read. The other is designed to be signed.
Apex PEO Group
Professional Employer Organization · Est. 2009
QUOTE #B-8139819-R
PROGRESS TECH SOLUTIONS
EFF. 07/01/2026 · 84 EE
PROGRESS TECH SOLUTIONS
EFF. 07/01/2026 · 84 EE
PEO Administrative Fee Proposal — Justworks
| Line Item | PEPM | Annual |
|---|---|---|
| Base Administrative Services*SKU: ADM-CORE-2026 | $138.00 | $139,104 |
| Benefits Administration Allocation**SKU: BEN-ALLOC-MED | $26.00 | $26,208 |
| Risk & Compliance ModuleSKU: RSK-STD-WC | $9.00 | $9,072 |
| SUTA Administration Surcharge**SKU: TAX-SUTA-ADJ | $14.50 | $14,616 |
| EPLI Coverage PremiumSKU: INS-EPLI-STD | $11.00 | $11,088 |
| Service Coordination Fee***SKU: SVC-COORD-A | $19.00 | $19,152 |
| Technology Platform AccessSKU: TECH-PLT-2026 | $7.50 | $7,560 |
| Implementation & Setup Fee****SKU: IMP-ONBOARD-Q3 · one-time, prorated | — | $18,500 |
Total Annual Investment$226,800
*Base rate subject to annual adjustment.
**Benefits allocation and SUTA surcharge calculated per master service agreement.
***Service coordination is non-itemized and bundled per industry convention.
****Implementation fee waived with 36-month commitment.
**Benefits allocation and SUTA surcharge calculated per master service agreement.
***Service coordination is non-itemized and bundled per industry convention.
****Implementation fee waived with 36-month commitment.
EPLI you
shouldn't need →
shouldn't need →
"subject to adj." =
↓ 8-14% renewal hike
↓ 8-14% renewal hike
you're paying $48k
you shouldn't be
you shouldn't be
"Setup" = sales
commission →
commission →
→
peolens.com / forensic-outputDECODED
What you're actually paying for
Apex PEPM (true admin cost)Direct PEO rate, no allocations
$166.50
Benefit admin allocationAdmin fees hidden inside medical PEPM
+$14.00 HIDDEN
SUTA markup0.8% above the PEO's actual experience rate
+$14.50 MARGIN AS TAX
EPLI premium (should be included)You're paying twice for HR risk management
+$11.00 DOUBLE-DIP
Setup fee (sales commission)One-time $18,500 — covers the rep, not your onboarding
+$18.4K COMMISSION
Renewal hike risk"Subject to adjustment" = forecast 8–14%
+$18–32K/yr RISK
Side-by-side
As quoted
$226,800/yr
Fair-market price
$178,400/yr
You're overpaying
$48,400
“
Our PEO renewal jumped 11% with one sentence of explanation. PEOLens decoded the line items in ninety seconds and surfaced $40K in SUTA markup, EPLI, and 'service coordination' fees we never agreed to. We renegotiated the next day.
Operations Leader · 84-person SaaS
Denver, CO
60s
Time to first insight
14%
Avg overpayment surfaced
8
Major PEOs fluent in
$0
Commission, ever
Stop guessing
what you're paying for.
Start seeing it.
Drop a PEO quote and we'll read it back to you in plain dollars. No email gate. No demo booking. No "let me loop in my colleague." Just the math.