Know what 401 PEOs charge before your PEO knows you’re looking.

Renewal-window radar

Every PEO's plan year and increase-letter season on one calendar, verified from their own documents, with your countdown on top. Your leverage peaks 60 to 120 days out. We make sure you spend that window armed instead of surprised.

PEO health tracking

Year-over-year roster diffs and state filing cancellations show which PEOs are growing and which are bleeding clients. A bleeding book means the remaining clients pay for the wound. If that is your PEO, you will hear it from us first.

Price-escalation early warning

Carrier switches, filed cost trends, earnings-call admissions, layoffs, and complaint spikes, scored into a warning that a repricing storm is forming over your PEO. The letter should never be the first sign.

Your overpayment risk, one number

Fee band versus benchmark, PEO distress, renewal proximity, growth stage. High exposure means money on the table. We compute it in the first meeting, free.

AI matching on fit, not commission

Thousands of data points per PEO: carrier networks, state coverage, industry appetite, service ratios, price bands. It does not see what anyone pays us. The right route up beats the glossiest brochure.

Leaver detection from federal filings

When an employer disappears from a PEO's roster year over year, that is a confirmed exit. Forty companies your size walking out of your PEO in one filing year is not gossip. It is arithmetic, and we read it weekly.

Exit timing and cost engineering

The dangerous part of the climb is the descent. We time notice windows to dodge termination fees, route certified-to-certified to avoid the mid-year payroll-tax reset that can cost six figures, and land benefits like for like on day one.