PEO Fast Quote
See your complete PEO cost breakdown instantly — workers comp, all payroll taxes, admin fees, and setup fee. Supports Florida, California, and New York rates. No obligation, no email required.
Using NCCI Florida rates. FL has no state income tax — great for employers.
Business Details — Florida
Admin fee tier: 3–5 employees (4% of payroll)
Annual payroll: $156,000
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PEO Cost Calculator FAQ
What does the admin fee cover?
The admin fee covers payroll processing, quarterly and annual tax filings (941, 940, W-2s), employee onboarding support, HR compliance guidance, and same-day COI issuance. It replaces the cost of a payroll service and HR consultant.
Why are SUTA rates different by state?
Each state sets its own unemployment insurance (SUTA) tax rate and wage base. Florida new employers pay 2.7% on the first $7,000 per employee. New York new employers pay 4.1% on the first $12,500. California new employers pay 3.4% on the first $7,000. Experienced employers may have different rates based on their claims history.
Does the PEO pay my payroll taxes on my behalf?
Yes. Under the PEO co-employment structure, the PEO is the employer of record for tax purposes. They remit all FICA, FUTA, and SUTA taxes on your behalf, file all required tax returns, and issue W-2s to your employees at year end.
When is the setup fee waived?
The $875 setup fee is waived for businesses with annual payroll over $125,000 that have no high-risk class codes (rate above 5%) and no prior workers comp claims. This applies to most mid-size businesses in low-to-medium risk industries.
How does pay-as-you-go workers comp work?
Instead of paying a large annual premium upfront, your workers comp cost is calculated each payroll cycle based on actual wages paid. This eliminates the need for a deposit and removes the risk of a year-end audit adjustment. You only pay for the coverage you actually use.
Can I use this calculator for multiple class codes?
This calculator handles one class code at a time. If your business has employees in multiple classifications, contact us for a custom multi-code quote. We can calculate your blended rate across all classifications.