hbg Insure

When your 50 employees join a master health plan with 10,000+ lives, one catastrophic claim doesn't move your rates. When your workers' comp experience gets pooled across the PEO's entire client base, one bad injury doesn't crater your mod.

A 60-person construction company had a $340,000 comp claim. Standalone, their mod would've jumped from 0.95 to 1.35—a 42% cost spike. Through their PEO? Renewal came in at 7.2%. That same year, a $275,000 cancer diagnosis got absorbed without a double-digit health insurance spike. Combined year-one savings: $83,000.

A 75-person precision parts manufacturer joined a PEO in 2023. Workers' comp claims dropped 40%. Health insurance trend: 6.8% vs. a 12% market average. Experience mod improved from 1.15 to 0.92. Total insurance savings: $127,000 in year one.

The math for that same 50-person fab shop:
- Without a PEO — $720,300+ in Total Cost of Risk. With a PEO — $635,000. Net savings: $85,300. ROI on the service fee: 118%.
- NAPEO puts average PEO ROI at 27.2% across thousands of companies. That's not a pitch—it's a researched average.

The businesses that come out of 2026 intact won't be the ones who found a cheaper broker. They'll be the ones who stopped treating health insurance and workers' comp as two separate headaches—and started managing them as one integrated risk problem.

The renewal notices are already hitting mailboxes across Pennsylvania, Ohio, Michigan, and North Carolina. The question isn't whether you can afford a PEO. It's whether you can afford to keep doing it the way you've been doing it.

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