Medical Network Tier Comparison: UnitedHealthcare vs. Aetna vs. Cigna
The primary financial justification for joining a PEO is gaining access to master group health insurance pools reserved for Fortune 500 enterprises. Insperity leverages UnitedHealthcare's national network, Justworks partners with Aetna and Kaiser Permanente, while TriNet provides customized regional packages. We compare deductible structures and national provider networks.
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Administrative Fee Models: Flat-Rate PEPM vs. Percentage of Payroll
Understanding PEO billing transparency is vital for corporate CFOs. Justworks charges transparent tiered per-employee-per-month (PEPM) fees, while Insperity and TriNet often blend administrative fees into gross payroll billings. We audit true annual employer costs.
IRS Certification (CPEO) & Financial Protection
Hiring a non-certified PEO leaves the client employer jointly liable if the PEO fails to remit federal employment taxes. We verify the IRS CPEO certification and ESAC bonding status of each provider.