Skip the sales pitch.
Get the right PEO.
Stream HR pulls real quotes from the top PEOs, lines them up side-by-side, and tells you which one actually fits, and how much you’ll save. It’s free, and we’ll tell you to stay put if your current deal is already great.
SAMPLE / ANONYMIZED FIGURES, YOUR REAL BENCHMARK USES ACTUAL QUOTES
Buying a PEO, made stupidly simple.
A PEO bundles your payroll, benefits & HR into one, usually at better rates. The hard part is figuring out which one and at what real cost. That’s the whole job we do for you: shop the top PEOs, compare them honestly, and hand you one clear answer.
Built across the major benefits carriers you know
Three reasons picking a PEO feels impossible
You’re busy running a company. You shouldn’t need a finance degree and 40 spare hours to figure this out.
Pricing is a black box
Every PEO quotes differently. Bundled fees, hidden margins, and “it depends” make true cost impossible to compare.
Reps are paid to sell you
The person quoting you works for the PEO. Their advice points one direction, toward signing.
It eats weeks of your time
Chasing four providers, re-sending census data, decoding proposals. Most owners give up and overpay.
Wait, what exactly is a PEO?
A Professional Employer Organization runs your payroll, benefits, and HR compliance under their umbrella, giving your team big-company benefits at better rates. Here’s what actually changes for you:
Without a PEO
- Small-group benefit rates
- Compliance is all on you
- Payroll, HR & benefits in separate tools
- Limited HR support
With the right PEO
- Large-group buying power on benefits
- Compliance & liability shared
- One integrated system
- Dedicated HR & benefits team
One report. Every option. Truly apples-to-apples.
We collect real quotes from the best-fit PEOs and normalize every line to the same assumptions, admin fees, medical, workers’ comp, SUI, and ancillary, so you compare on a level field. The bottom line is a single, defensible all-in number your CFO will trust.
- ✓Underwriting-grade review, not a marketing estimate
- ✓Normalized so the cheapest headline number can’t win by accident
- ✓Clean enough to forward straight to your board
Estimate your savings in 10 seconds
Move the sliders for a ballpark. Then we’ll build the real number from actual quotes.
Estimate only. Your real benchmark uses actual quotes normalized to your census.
Stream HR vs. the alternatives
Built by people who’ve sat on the PEO side.
Brady Reinig spent 10+ years inside the PEO & underwriting world, so we know exactly how quotes get built, where the margin hides, and which questions force a straight answer. We use that on your side of the table, not theirs.
Brady Reinig, Founder, Stream HR
What clients actually got
Stream HR was essential in helping us transition to a PEO. They advocated for us to find the most competitive and comprehensive offering, saving us time, money and most importantly, preserving our peace of mind during the transition.
VP of Operations
The PEO landscape has little transparency, which makes true apples-to-apples comparison hard. Brady and Stream HR brought structure, vetted the market, and got us to a confident decision, then stayed on the back end to keep our partner accountable. A true extension of our team.
CFO
After analyzing more than 20 options, Stream HR recommended we stay right where we were. They had nothing to gain from that call, and that is exactly why we trust them, and why we will use them when we do decide to switch.
Co-Founder
Stream HR is a great fit if you…
From our Industry Insights
How Payroll Tax Restarts Work When Changing Providers or PEOs
Switching mid-year can reset your payroll tax wage base. Here is how the restart actually works in 2026.
Read →PEO vs ASO: Which Model Is Right for Your Business?
They sound similar but work very differently. How to tell which model actually fits your company.
Read →How Much Does a PEO Cost in 2026
A clear, human guide to PEO pricing and the hidden fees that inflate your true all-in cost.
Read →Frequently asked
See what you should be paying, free.
Get real, side-by-side PEO quotes (and our honest pick), or grab a 30-minute slot below. No pressure, no sales pitch.
We’re on your side of the table, never the PEO’s.
Stream HR is an independent advisor that helps growing companies choose the right PEO. We’re paid by the PEO only when you choose one through us, so our advice stays honest, including telling you to stay exactly where you are.
Make picking a PEO clear, fast, and fair.
There are 500+ PEOs in the market, each quoting differently, each with a rep paid to sign you. For a busy founder or CFO that’s an impossible, time-eating comparison. We exist to collapse all of it into one honest, normalized report, so you can make a confident decision in about 30 minutes of your time.
We don’t sell a PEO of our own. We have no quota to push you toward. The only way we win is by getting you to the right answer, even when that answer is “keep what you’ve got.”
Four things we promise every client
Simplified shopping
One intake, one process. We approach the best-fit PEOs so you don’t field a dozen sales reps.
Cost optimization
We normalize every quote line so the true all-in cost is visible, not the headline number.
Expert guidance
People who’ve worked inside PEO underwriting translate the fine print into plain English.
Seamless transition
We stay through implementation and every annual renewal, not just until you sign.
Built by people who’ve sat on the PEO side.
Brady Reinig spent 10+ years inside the PEO & underwriting world, so we know exactly how quotes get built, where the margin hides, and which questions force a straight answer. We use that on your side of the table, not theirs.
Brady Reinig, Founder, Stream HR
Independent advice, measurable results
Ready for a straight answer?
Get real, side-by-side PEO quotes and our honest recommendation, free.
PEO buying, explained in plain English.
No jargon, no sales pitch. The guides we wish every founder and CFO had before they signed a PEO contract, how pricing really works, where the margin hides, and how to compare honestly.
Wait, what exactly is a PEO?
A Professional Employer Organization runs your payroll, benefits, and HR compliance under their umbrella, giving your team big-company benefits at better rates. Here’s what actually changes for you:
Without a PEO
- Small-group benefit rates
- Compliance is all on you
- Payroll, HR & benefits in separate tools
- Limited HR support
With the right PEO
- Large-group buying power on benefits
- Compliance & liability shared
- One integrated system
- Dedicated HR & benefits team
Guides & articles
The Hidden Costs of Choosing the Wrong PEO: 9 Expensive Mistakes That Can Cost Your Business Hundreds of Thousands
Choosing a PEO Is About More Than its Cost When organizations evaluate a Professional Employer Organization (PEO), it's…
Read the article →The Hidden Costs of Choosing the Wrong PEO: 9 Expensive Mistakes That Can Cost Your Business Hundreds of Thousands
Choosing a PEO Is About More Than its Cost When organizations evaluate a Professional Employer Organization (PEO), it's…
Read →How Payroll Tax Restarts Work When Changing Payroll Providers or PEOs in 2026
By Stream HR · May 14, 2026 · 8 min read If you've ever evaluated changing payroll providers,…
Read →PEO vs ASO: Which Model Is Right for Your Business in 2026?
If you are outsourcing HR, you will end up choosing between a PEO and an ASO. They sound…
Read →Best PEO Companies in 2026: How to Compare and Choose the Right Provider
Choosing a PEO should be straightforward. Unfortunately, its not. There are hundreds of providers on the market, each…
Read →PEO Renewal Guide: How to Evaluate Your Renewal Offer Before You Sign
What Actually Happens During a PEO Renewal? Most companies do not revisit their PEO relationship until renewal lands in their inbox.…
Read →How Much Does a PEO Cost in 2026
A Clear, Human Guide to Pricing and Hidden Fees If you’re looking into a Professional Employer Organization (PEO),…
Read →How to Compare PEOs Without Wasting Months Talking to Sales Reps
Avoid drawn-out PEO searches. Evaluate pricing, benefits, service, tech, and contracts together and make a clear choice. If…
Read →Understanding PEOs: How They Work and Why Companies Use Them
Understanding PEOs: How They Work and Why Companies Use Them At some point, most growing companies hit the…
Read →Why “normalized” is the whole game
Two PEO quotes are almost never built on the same assumptions. One bundles workers’ comp into the admin fee; another breaks it out. One quotes a richer medical plan; another a leaner one. Compare the headline numbers and you’ll pick the wrong winner.
A Stream HR benchmark restates every quote to the same plan design, the same census, and the same line items, so the all-in number you see is the all-in number you’ll actually pay. That single, defensible figure is what your CFO or board signs off on.
Frequently asked
Done reading? Get your real numbers.
We’ll turn everything above into one honest, side-by-side report on your actual census, free.
Get a straight answer, free.
Two easy ways to start: send a quick note, or grab a 30-minute slot on the calendar. We’ll get you real, side-by-side PEO quotes and our honest recommendation, including “stay put” if that’s smartest.
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