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PEO Pricing:
How Much Does FrankCrum Cost?

FrankCrum's PEO pricing is built around you—not a price list. We take the time to understand your business, your challenges, and your goals, then we create a custom proposal that fits your needs. Most clients save money by outsourcing HR, payroll, benefits, and workers' compensation. Ready to see what you'll pay? 

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Why Custom Pricing Works Better for You

At FrankCrum, we believe every business deserves personalized service, starting with how we price our partnership. Cookie-cutter pricing forces you to pay for services you don't need or leaves gaps in your coverage. Our custom approach ensures that your quote is perfectly tailored to the unique needs of your business.


What Determines Your FrankCrum PEO Price?

Click the plus sign to see the key factors used in building your custom proposal.

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Your Payroll Size & Employee Count

 

Larger payrolls spread administrative costs across more employees, often resulting in lower per-employee fees. Our sliding scale pricing means that both startups and established companies receive competitive rates.

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Your Industry & Workers' Comp Risk

Not all industries and work types are created equal when it comes to workers' compensation rates:

  • Work that carries a higher risk of injury, such as construction, roofing, and electrical, results in higher workers’ comp rates

  • Work that has a lower risk profile, such as professional services and consulting, results in lower workers’ comp premiums

  • Your claims history also impacts your rate

Good news: FrankCrum's AM Best-rated workers' comp carrier often beats competitors' rates, even for high-risk industries. Plus, our pay-as-you-go model means no big upfront premiums and no year-end audits.

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Benefits Package Selection

If you choose to offer employee benefits, your pricing will be impacted by the options you select:

  • Health insurance (we work with major carriers like Aetna and Florida Blue)

  • Dental and vision coverage

  • 401(k) retirement plans (free to offer with 8+ participants)

  • Life and disability insurance

  • Pet insurance and other voluntary benefits

Our group buying power means you'll access Fortune 500-level benefits at small business prices.

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Services You Need

Every FrankCrum partnership includes:

  • Full-service payroll processing with dedicated coordinator

  • HR support from a certified HR consultant (not a call center)

  • Account management to optimize your service experience

  • Workers' comp insurance and claims management

  • Compliance support (OSHA, FMLA, COBRA, ACA, and more)

  • Safety and risk management team

  • MyFrankCrum HRIS platform with employee self-service

  • Employment Practices Liability Insurance (EPLI)

  • Cyber Liability Insurance

We also offer optional add-ons, including healthcare and benefits packages, background checks and drug testing, TrainingHub Learning Management System, Time and Attendance software, and more.

What's Included in Your Invoice?
(No Hidden Fees)

At FrankCrum, transparency matters. Every pay period, you'll see a clear breakdown of costs.

Here are the items commonly found on FrankCrum invoices.

Invoice Line Item What It Covers
FICA Social Security and Medicare taxes (required by law)
FUTA Federal unemployment tax
SUTA State unemployment tax (varies by state and claims history)
Workers' Comp Workers' compensation insurance premiums (pay-as-you-go, no audit)
Administrative Fees Payroll, tax filing, compliance
FrankAdvice Dedicated HR consultant and timely HR resources
EPLI Employment Practices Liability Insurance (protects against lawsuits)
Cyber Liability Cyber liability insurance coverage
Optional Benefits Health, dental, vision, 401(k) (if selected, billed at our group rates)

Unlike some PEOs, we don't surprise you with hidden fees. What you see on the rate sheet of your quote is what you pay.

Where You'll Actually Save Money with FrankCrum

Our flexible, customer-focused approach delivers real savings:

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Workers' Compensation Insurance

Our AM Best-rated carrier delivers competitive rates with pay-as-you-go pricing. No big upfront premiums. No year-end audit surprises. Just predictable, affordable coverage. 

Payroll & Tax Administration

Hidden costs of in-house payroll (staff time, errors, penalties, compliance risks) make outsourcing more cost-effective for most businesses. We include W-2s and 940/941 filings that others charge extra for. 

Employee Benefits

Our group buying power means Fortune 500-level benefits at small business prices. Clients typically save compared to buying health insurance directly. Dental, vision, and pet insurance cost you nothing—employees pay if they want coverage. 

HR Expertise

Stop Googling employment law questions or paying $300/hour for HR consultants. You get unlimited access to certified HR professionals with certifications and real-world management experience. No phone queues. No ticket systems. Just answers when you need them.

Compliance & Risk Management

Included services that would cost thousands separately:

  • OSHA 300 reporting
  • 940/941 tax filings (many payroll companies charge extra)
  • Employment Practices Liability Insurance (costs $3,000-10,000+ when purchased alone)
  • COBRA administration (other PEOs charge $50-100/month flat fee, even if you don't use it)
  • Benefits compliance (ACA reporting, Section 125 plans, ERISA requirements)

401(k) Retirement Plans

Our multiple-employer 401(k) plan incurs no annual fee when you have 8 or more participants.

State Unemployment Insurance

When FrankCrum acts as the employer of record for state unemployment insurance, FrankCrum's excellent claims management history often results in significant SUTA savings compared to what you'd pay on your own. 

Background Checks & Drug Testing

Discounted per-use pricing with no subscription fees.

Time Savings = Money Savings

Calculate what your time is worth. Most business owners spend 10-20 hours monthly on HR tasks. At $100/hour (conservative), that's $12,000-24,000 yearly in opportunity cost. FrankCrum gives you that time back to focus on growing your business.

Ready to See Your
Custom Price?

Get your personalized quote. No pressure. No hidden fees. Just honest pricing and expert guidance.

Or call us at 800-277-1620 to speak with a FrankCrum representative.

Frequently Asked Questions

How much does FrankCrum PEO cost per employee?

There's no universal "per employee" rate because pricing depends on your specific situation. However, most small to mid-sized businesses find that their total cost (including all HR services, payroll, workers' comp, and benefits) is comparable to or less than what they were paying piecemeal. Request a quote to see your exact pricing.

Is PEO pricing cheaper than doing HR in-house?

For most small and mid-sized businesses, yes. When you add up the cost of payroll software, benefits, HR consultants, workers' comp premiums, compliance tools, and your time, a PEO typically costs less while delivering better results. Plus, you gain expertise you couldn't afford to hire full-time.

What's not included in the price?

Here are a few optional services that are available for an additional fee:

  • Employee benefits premiums (passed through at our discounted group rates)

  • Benefits admin for your existing health plan (if you want to keep your current carrier)

  • TrainingHub Learning Management System

  • Applicant Tracking System and Time & Attendance software

Can I get a ballpark estimate?

We'd rather give you an accurate quote than a misleading estimate. Call 800-277-1620 for a quick consultation, and we'll build your custom quote. No pressure. No sales tricks. Just transparent pricing and honest advice on whether we're the right fit.

What if my business grows or shrinks?

Your pricing scales with your business. Add employees and your workers' comp premiums adjust automatically (pay-as-you-go). Administrative costs adjust based on your payroll levels. No surprises.

How does FrankCrum's pricing compare to other PEOs?

We're competitive with other top-tier PEOs. But here's where we really stand out: personalized service without enterprise pricing. You won’t wait in a phone queue or deal with a different rep each time you call. Our 91% retention rate and 9/10 satisfaction score prove clients see the value.