PEO USA Brokers - Risk Management

PEO vs ASO

Comparison - Types of Payroll Arrangements Available

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Payroll Arrangement models

Features \ Options	Payroll USA, Inc. servicing as a "traditional" PEO	Payroll USA, Inc. servicing as a PEO with "Carve-Out".	Payroll USA II, Inc. servicing as an ASO
Employer of Record	Payroll taxes reported and deposited under the Payroll USA, Inc's FEIN.	Payroll taxes reported and deposited under the PEO's FEIN.	Payroll taxes reported and deposited under the Client's FEIN.
Workers Compensation Insurance	Coverage provided under Payroll USA, Inc.’s master policy.	Coverage may be provided by policy issued in client's name.	Coverage provided by policy in client's name.
Safety and Risk Management	Claims management provided by the Payroll USA, Inc. Safety guidance provided by Payroll USA, Inc.	Claims management provided by the Payroll USA, Inc. Safety guidance provided by Payroll USA, Inc.	Claims management may be provided by Payroll USA II, Inc. Safety guidance may be provided by Payroll USA II, Inc.
Health Plans	Group policies offered by "third party" and coverage provided by policy in client's name.	Coverage may be provided by policy in client's name	Coverage is provided by policy in client's name
Employee Benefits	Supplemental benefits offered by "third party" under client's name. 401K provided by policy in client's name	Supplemental benefits may be offered by "third party" under client's name. 401K provided by policy in client's name	Supplemental benefits offered by policy in client's name. 401K provided by policy in client's name
Human Resources	Variety of services offered in either “àla carte” or bundled pricing	Variety of services offered in either “à la carte” or bundled pricing	Variety of services offered in either “à la carte” or bundled pricing
Regulatory Compliance	Provided by PEO	Provided by PEO	Client’s responsibility

Outsourcing payroll responsibilities is a common practice. If you have 3 or 1000 employees, PEOs can help you reduce your cost of doing payroll.