Compare standalone services with a PEO
Compare workers’ comp, payroll, HR, legal support and EPLI with a PEO arrangement. See the full employer cost, service gaps and first-year cash requirements.
For business owners comparing actual proposals. Retail agents and wholesalers can use the same worksheet with their clients.
1. Put both options on the same footing
Have each proposal handy. Enter only employer costs. Leave missing figures unknown; use zero only when the proposal confirms no charge. Your figures stay in this page until you choose to submit them. Refreshing clears them.
All figures are annualized for the same 12-month period. Gross wages are excluded from the results. Include employer taxes, benefits and fees in both options; employee withholding is not an additional employer expense.
California: 2026 SUTA reference*
Annual wage base per employee: $7,000. Use the applicable employer category and each employee’s taxable wages.
FastechHR reference bill rate: 6.2%. This supplied reference is not a quote or confirmation of program availability. Confirm the billing basis and account applicability.
Where these figures come from*
Wage base: U.S. Department of Labor, January 2026, page 1. Bill rate: FastechHR SUTA Rate Master, 2026; supplied September 14, 2026. Zero entries in the rate master are left unconfirmed. The supplied undated wage-base master is superseded here by this dated federal reference.
2. Enter the proposals—not an advertised rate
California: check the SUTA basis*
For 2026, California UI uses the first $7,000 of wages paid to each employee during the calendar year. Enter total taxable wages from the payroll schedule—not total payroll or average headcount times $7,000. Turnover, partial-year wages and credits can change the figure.
Tax rates, billing charges and other states*
Confirm which employer account and rate apply to the arrangement, whether the quote passes through tax or charges a separate amount, and whether prior wages receive credit. Enter ETT, FUTA and other employer taxes separately in “Other employer taxes.” For other states or multi-state payroll, enter a verified annual SUTA total across the applicable state schedules. We do not assume FastechHR has a lower rate.
EDD: Tax-rated employers · EDD: Taxable wages · EDD: Multiple-entity employer determinations3. See the cost and service differences
Comparison incomplete. Resolve missing costs and confirm the comparison scope before calculating a difference.
| Measure | My standalone services | FastechHR proposal | A minus B |
|---|---|---|---|
| Recurring annual expense | Unknown | Unknown | Unknown |
| First-year expense | Unknown | Unknown | Unknown |
| First-year cash requirement | Unknown | Unknown | Unknown |
Positive difference: B costs less. Negative: A costs less. Refundable deposits affect cash, not expense. First-year cash is an annual total, not an upfront payment estimate. These are entered-cost differences, not guaranteed savings.
| Component | Option A | Option B | A minus B |
|---|---|---|---|
| Workers' compensation | Unknown | Unknown | Not comparable yet |
| Payroll / administration | Unknown | Unknown | Not comparable yet |
| HR support | Unknown | Unknown | Not comparable yet |
| Legal support | Unknown | Unknown | Not comparable yet |
| EPLI | Unknown | Unknown | Not comparable yet |
| Other employer taxes | Unknown | Unknown | Not comparable yet |
| Employer-paid benefits | Unknown | Unknown | Not comparable yet |
| Other recurring fees | Unknown | Unknown | Not comparable yet |
| SUTA / state unemployment | Unknown | Unknown | Not comparable yet |
Review signals
- Confirm the same period and cost scope.
- My standalone services: Workers' compensation is unknown
- My standalone services: Payroll / administration is unknown
- My standalone services: HR support is unknown
- My standalone services: Legal support is unknown
- My standalone services: EPLI is unknown
- My standalone services: Other employer taxes is unknown
- My standalone services: Employer-paid benefits is unknown
- My standalone services: Other recurring fees is unknown
- My standalone services: SUTA / state unemployment is unknown
- My standalone services: One-time setup / transition fees is unknown
- My standalone services: Refundable deposit is unknown
- FastechHR proposal: Workers' compensation is unknown
- FastechHR proposal: Payroll / administration is unknown
- FastechHR proposal: HR support is unknown
- FastechHR proposal: Legal support is unknown
- FastechHR proposal: EPLI is unknown
- FastechHR proposal: Other employer taxes is unknown
- FastechHR proposal: Employer-paid benefits is unknown
- FastechHR proposal: Other recurring fees is unknown
- FastechHR proposal: SUTA / state unemployment is unknown
- FastechHR proposal: One-time setup / transition fees is unknown
- FastechHR proposal: Refundable deposit is unknown
- Workers' compensation: Unknown / Unknown
- Payroll processing: Unknown / Unknown
- HR support: Unknown / Unknown
- Legal support: Unknown / Unknown
- EPLI: Unknown / Unknown
- Claims support: Unknown / Unknown
- Confirm whether each SUTA figure is actual tax or a billing charge.
- Verify service scope and coverage terms: matching labels do not mean equivalent protection.
No FastechHR quote yet? Leave its figures unknown and send your current proposal for review. Tell us which agent you want involved in the request.