The data-armed PEO brokerage
You’re overpaying your PEO. We can prove it.
We track 401 PEOs nationwide and read the government filings behind them. One in three companies on a PEO sees no savings at all. Find out what you should be paying before your renewal letter decides for you.
Free. No obligation. We only get paid when you save.
The blind renewal
Your PEO's increase letter is written months before you see it.
PEO contracts auto-renew. The letter lands 30 to 60 days out, priced on your claims year, timed so you cannot shop it. Miss the window and you are locked for another year. Second-year health increases in this market run well above 20 percent, and some pass 50. The house wins because the house owns the clock.
The Crestone Ledger
We watch the whole board. Then we move first.
Crestone runs a live intelligence system across 401 PEOs: federal Form 5500 rosters, state workers' comp files, filed cost trends, and every verified renewal calendar in the market. We know which PEOs are growing, which are bleeding clients, and what companies your size actually pay. When your window opens, we walk in with the market in hand.
Summit Window
Your renewal clock, tracked and armed. Every PEO's plan year and increase-letter season, with your countdown on top.
Bleed Index
Which PEOs are losing their books, live. A bleeding book means the remaining clients pay for the wound.
Route Finder
Matched on fit and price across thousands of data points per PEO. It does not see who pays the biggest commission.
How it works
Three moves. Six weeks. Zero dollars from you.
The audit
Send one invoice. We benchmark every line against the market and your peers, then hand you the number: what you pay, what you should pay.
The shop
We take your book to the PEOs that actually fit, timed to your leverage window. They bid knowing you can see the board.
The move, or the raise
Switch on a Descent Plan with zero termination surprises, or stay and use our number to beat your renewal down. Either way you win. We only get paid in the first case, and we are fine with that.
Free. No obligation. We only get paid when you save.
Run your number
Run your number right now.
Employees times admin fee times the 15 to 25 percent a competitive re-shop documents. Thirty seconds, no email required.
Not sure? Most PEOs land between $40 and $160. If yours is bundled into one number, that is part of the problem.
Your estimated annual overpayment
$16,200 – $27,000
Based on your $108,000 annual admin spend and the 15 to 25 percent fee reductions a competitive re-shop documents in this market. Health-plan markup is on top of this. We quote a range because anyone who quotes you a single number is guessing.
TriNet renews January 1. Their increase letters land October through December. Your leverage peaks 60 to 120 days before renewal. Start now and the math is on your side.
Free. No obligation. We only get paid when you save.
Results
The market moves when someone finally checks it.
“Crestone found $212,000 between our invoice and the market rate. Our PEO matched most of it rather than lose us. Total cost to us: one meeting.”
“We had renewed blind twice. They showed us the increase letter season on a calendar and suddenly the whole game made sense.”
“The switch took five weeks. Payroll never blinked and our people got better coverage. I checked.”
The questions everyone asks. Straight answers.
Is this really free?
Yes. You never write us a check. The PEO that earns your business pays us a share of its admin fee. Your rate is the same with or without us. If we cannot beat your current deal, you pay nothing and keep your leverage report.
Are you biased toward whoever pays you most?
Commissions in this market run a narrow band, and we disclose the model on every page. Our matching runs on fit and price, not payout. And our whole business is the recheck: if we park you somewhere bad, we lose you at the next renewal and everyone knows why.
Why not just negotiate directly with my PEO?
You can. You will be negotiating against people who reprice hundreds of contracts a year, without knowing what companies like yours pay. We walk in with the market in hand. Your PEO behaves differently when it knows you can see the board.
Is switching painful?
Switching blind is painful. Switching on a Descent Plan is a six-week checklist: we time the notice window, carry your census, map benefits like for like, and dodge the mid-year tax reset. Your employees notice a better plan, not a move.
Will we stay compliant through a switch?
Yes. Timing is the whole trick: certified-PEO to certified-PEO moves carry successor tax treatment, benefits transfer on plan boundaries, and workers' comp never gaps. This is the part we are most paranoid about, on purpose.
We just renewed.
Then your leverage is twelve months out and the clock is already running. Get on Summit Window now and next year the letter surprises them, not you.
Your renewal window is closing whether you look or not.
Twenty minutes. Bring one invoice. Leave with your number and your date.
Free. No obligation. We only get paid when you save.