FAQ | Most Common Objections
Your CPA, attorney, or insurance broker will likely push back. Here is exactly why and what the math actually says.
“You’re giving up control of your company.”
The Reality: Your bank accounts, clients, and operational decisions stay exactly where they are. Co-employment strictly transfers compliance liability; it does not transfer ownership or operational authority
“I already use QuickBooks or Gusto.”
The Reality: Payroll software processes checks. It cannot move your premiums to pre-tax treatment, place you in a Fortune 500 risk pool, or transfer your IRS audit liability
“This sounds like ADP.”
The Reality: ADP prices by a percentage of payroll. At $150,000 in net income, legacy PEOs take $3,000 to $9,000 a year before you get a single benefit. We charge a flat $150.
“My insurance broker already handles my benefits.”
A broker sells individual and small-group coverage and earns a recurring commission on your plan. They cannot place you in a large-group corporate plan that requires co-employment, which a broker cannot arrange. The coverage inside a PEO master contract is not available on the open market at any price. This is not a broker product.
“Why hasn’t my CPA mentioned this?”
Most CPAs are tax advisors, not benefits architects. They know how to file your return inside your current structure they’re not typically in the business of restructuring how your business is classified for employment purposes. This is a different category of advice, and most general practice CPAs have never set one up.
The calculator will tell you if the structure makes financial sense for your specific situation. We don’t take clients where the math doesn’t work. If your numbers don’t qualify, it will say so and explain why.