PEO Co-Employment.
We become employer of record alongside you — carrying the workers' comp policy, payroll, HR compliance, and benefits — while you keep full operational control of your business.
One bill. One platform. Full employer infrastructure.
PEO co-employment bundles everything an employer needs to operate — under one agreement, one provider, and one monthly rate based on payroll.
Workers' Compensation
- Our own WC program — master policy (State National, A-rated)
- Dedicated claims specialists
- Proactive return-to-work programs
- Experience modification management
- 24/7 nurse triage hotline
- OSHA compliance & safety programs
Payroll & Tax Administration
- Full multi-state payroll processing
- Automatic tax filings (federal, state, local)
- W-2 and 1099 processing
- Wage garnishments & deductions
- Direct deposit and pay card options
- Certified payroll for prevailing wage
HR & Compliance
- Dedicated HR business partner
- Employment law guidance & updates
- Employee handbook development
- FMLA, ADA, COBRA administration
- Termination & investigation support
- Multi-state compliance management
Employee Benefits
- Medical, dental, vision, life insurance
- HSA/FSA administration
- 401(k) plans with employer matching
- Group rates through pooled buying power
- Benefits enrollment & education
- ACA compliance & reporting
Quote in 24–48 hours. Coverage active in 3 days or less.
Submit payroll & class codes
Share your payroll breakdown, NCCI class codes, and 3–5 years of loss runs.
Get a carrier indication
We return a competitive WC indication within 24–48 hours from our carrier network.
Review the full program
We walk through the WC, payroll, HR, and benefits structure together.
Sign the agreement
One agreement establishes the co-employment relationship and program terms.
Onboard your workforce
We handle setup, enrollment, and the handoff from your current providers.
Is co-employment right for your operation?
PEO Co-Employment is the right fit if…
- You want workers' comp AND payroll AND HR under one provider
- Your current WC rates are above 1.10 EMR
- You're spending more than $200K/year on WC premiums
- You have multi-state operations or high workforce turnover
- You want to offer competitive employee benefits but lack group rates
- HR compliance is costing you time or creating risk
Other programs may fit better if…
You want to stay employer of record but still access our platform.
Explore ASO Administrative →You only need WC coverage and want to keep your payroll provider.
Explore WC Carve-Out →PEO Co-Employment FAQ
Do I lose control of my employees?+
No. You retain full operational control — hiring, firing, daily supervision, job duties, and schedules. Simplified Personnel becomes the employer of record on paper to handle HR admin, payroll taxes, and workers' comp. You run the business; we carry the liability.
How does co-employment affect workers' comp?+
Under co-employment, your workers are covered under our master workers' comp policy. We've built favorable rates and programs with carriers specifically for the industries we serve — often 20–35% below what you'd get as a standalone employer.
What happens to my current payroll provider?+
We replace them. PEO co-employment includes full-service payroll processing, tax filings, W-2s, garnishments, and direct deposit. One platform, one provider, one bill.
Is there a minimum employee count?+
We work with employers from 10 to 500+ employees. There's no strict minimum — contact us and we'll assess fit based on your industry, payroll size, and workers' comp profile.
How long does onboarding take?+
Most accounts are fully onboarded within 30 days of signed agreement. Workers' comp coverage transfers to our policy at the start of the new policy period or at your next renewal.