You Get One PEO’s Price Book. We Get You Every One That Fits.
The short version
What a PEO broker does
A PEO broker is an independent advisor who helps an employer choose and negotiate with a Professional Employer Organization. The broker is not employed by any PEO. We work out what your business needs, take your file to the providers whose underwriting fits it, compare the proposals line by line, negotiate the agreement before you sign, and stay involved through implementation and renewal.
A PEO sales rep can only sell you one PEO. That is not a criticism of the rep, it is the job. They carry one company’s quota and one company’s price book. If their PEO is wrong for your class codes or your experience mod, the proposal on your desk will not say so.
There are more than 500 PEOs in the United States and their appetites differ enormously. A roofing contractor with a high mod and a twelve-person software firm shopping for better health plans are two entirely different placements. Knowing which providers will actually write you, before you spend three weeks finding out, is most of the value here.
Who you get
You work with Stephanie, not a call queue
Stephanie Fortune founded Fortune Business Consulting and runs every engagement herself. Eleven years placing PEO and workers’ compensation business in Florida, more than 100 companies served, and a five-star rating from the owners who have been through it. The person who takes your first call is the person who reads your proposals and sits on the renewal.
Side by side
Broker or direct with a PEO sales rep
Going direct looks faster. What it costs you is the comparison, the leverage, and anyone in your corner after the signature.
Whose side the advice is on
We are not owned by or captive to any PEO. We shop most of the market, represent the employer, and our fees are covered by the PEO that places you.
The rep is employed by one PEO and carries their monthly quota. Their recommendation is always that single provider.
Number of competing options
Multiple competing proposals from top national and regional PEOs, all sourced from one initial consultation.
One single offer. Getting comparison quotes requires repeating your census and interview with every competitor.
Pricing transparency
Line-by-line unbundled analysis showing true admin cost, net workers' comp rates, and health insurance savings.
Bundled pricing models often mask administrative markups and future renewal escalation clauses.
Contract & renewal leverage
We actively negotiate rate caps, cancellation terms, and fee structures backed by market intelligence.
Standard non-negotiable contract templates. The sales rep typically lacks authority to alter exit clauses or rate caps.
Ongoing client advocacy
We remain your dedicated advisor through onboarding, billing audits, service escalations, and annual remarketing.
Once the deal closes, the sales rep transitions to the next prospect, passing you into a standard call queue.
| Direct with a PEO | Through us | |
|---|---|---|
| Whose side the advice is on | The rep is employed by one PEO and carries their monthly quota. Their recommendation is always that single provider. | We are not owned by or captive to any PEO. We shop most of the market, represent the employer, and our fees are covered by the PEO that places you. |
| Number of competing options | One single offer. Getting comparison quotes requires repeating your census and interview with every competitor. | Multiple competing proposals from top national and regional PEOs, all sourced from one initial consultation. |
| Pricing transparency | Bundled pricing models often mask administrative markups and future renewal escalation clauses. | Line-by-line unbundled analysis showing true admin cost, net workers' comp rates, and health insurance savings. |
| Contract & renewal leverage | Standard non-negotiable contract templates. The sales rep typically lacks authority to alter exit clauses or rate caps. | We actively negotiate rate caps, cancellation terms, and fee structures backed by market intelligence. |
| Ongoing client advocacy | Once the deal closes, the sales rep transitions to the next prospect, passing you into a standard call queue. | We remain your dedicated advisor through onboarding, billing audits, service escalations, and annual remarketing. |
The engagement
What actually happens when you call us
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We assess your actual workforce & risk needs
Headcount, states of operation, class codes, current health and workers' comp spend, and loss runs. A firm with a high experience mod and a professional services firm seeking platinum health plans belong at very different PEOs.
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We take your brief to the PEO market
One unified census and submission package goes out exclusively to the PEOs whose underwriting appetite and licensing match your risk profile. You avoid repeating your story to five different sales reps.
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We put every proposal in the same format
Admin charges, workers' comp rates, health plan tiers, and hidden per-payroll or onboarding fees are converted into identical units. PEOs quote in varied formats to prevent comparison; we make them transparent.
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We negotiate terms before you sign
Renewal caps, multi-year rate locks, termination clauses, and transition fees are where PEO contracts carry risk. We leverage our multi-provider volume to secure favorable terms while you hold maximum leverage.
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We provide ongoing advocacy & renewal support
From payroll transition and employee enrollment through annual rate benchmarking and claims disputes. If a PEO raises rates unexpectedly, we remarket your business. A PEO sales rep is paid on signature; we stay on your team.
Qualification
When a broker is worth it
Call us if you recognize yourself here:
- Your workers’ comp was non-renewed, your experience mod climbed, or the deposit being asked for is untenable.
- You are looking at a PEO for the first time and have no benchmark for whether the number in front of you is good.
- You are already in a PEO and the renewal went up without an explanation you found convincing.
- You employ people in more than one state and the compliance surface is getting away from you.
- You have no HR team, or one person doing HR alongside another full job.
- You have a proposal in hand and want a second set of eyes on the contract before you sign it.
If you have fewer than five employees and no workers’ comp exposure worth naming, a PEO is often more machinery than you need. We will tell you that on the call rather than after it.
How we are paid
Free to compare, one fee if you enroll
The consultation, the market search, and the proposal comparison cost you nothing. Independent PEO brokers are paid a referral fee by the PEO once a client signs, the same way an insurance broker is paid by the carrier. There is no engagement fee and no retainer.
If you decide to move forward with one of the PEOs we bring you, we charge a one-time enrollment fee for setting the arrangement up. You see that number before you sign anything, and it is the only charge you will ever get from us.
Ask every broker you speak to how they are paid and whether they are tied to a particular provider. It is a fair question, it is the one that tells you whose interests the advice serves, and we will answer it on the first call.
The Deliverable
What the comparison shows you
We take you through every proposal side by side, priced out to true cost per employee, with the admin fees, workers’ comp rates, and renewal terms all expressed the same way. You see where the real differences are, and what each one costs you, before you commit to anything.
Hard-to-Place Workers’ Comp
Specialized Coverage for High-Risk & Blue-Collar Employers
Facing high E-Mods, carrier non-renewals, or steep upfront deposits? We connect Florida businesses with top PEO master policies to secure approved, pay-as-you-go workers’ compensation with zero surprise audits.
Zero Annual Audits
Eliminate year-end audit adjustments and unexpected retroactive premium bills.
Pay-As-You-Go Billing
Premiums calculated directly on actual gross payroll each pay period, with no hefty upfront deposits.
High E-Mod & Claims Relief
Facing elevated MODs or prior claim non-renewals? PEO master policies absorb high-risk ratings.
New Businesses & Prior Lapses
Fast coverage binding for new business formations or companies with previous gaps in coverage.
High-Risk Class Codes
Direct placement for construction, roofing, marine trades, transportation, and specialized blue-collar risks.
Zero Cost to Your Business
We are independent brokers paid directly by the PEO. We negotiate exclusively on your side of the table.
FAQs
Questions we get asked about brokers
What is a PEO broker?
A PEO broker is an independent consultant who represents employers in evaluating, selecting, and negotiating contracts with Professional Employer Organizations. Unlike captive PEO sales representatives who sell only their employer's service, an independent broker evaluates the entire market to match your specific industry, headcount, and risk profile.
How much do PEO broker services cost?
Our consultation, market RFP analysis, and proposal comparison are 100% free to the employer. Independent PEO brokers are compensated directly by the selected PEO provider upon successful placement, similar to how commercial insurance brokers operate. There are zero upfront fees, retainers, or hidden consultation costs. If you move forward with one of the PEOs we bring you, there is a nominal one-time enrollment fee to set the arrangement up. You see that number before you sign anything, and it is the only charge you will ever get from us.
Do I get a better price by going directly to a PEO provider?
No. PEO pricing models account for customer acquisition costs whether through their internal direct sales force or independent brokers. In fact, employers working through a broker typically achieve lower net costs because providers know they are in an open competitive bidding process and brokers negotiate aggressive renewal caps.
Can a PEO broker help with high-risk workers' compensation or high E-Mods?
Yes. Hard-to-place workers' comp is our core specialty in Florida. We place high-risk trades (construction, roofing, marine, tree trimming, and transportation) into PEO master policies with high MOD acceptance, zero annual audits, and pay-as-you-go billing.
Do I have to switch PEOs if I just want to benchmark my current renewal?
No. Many business owners contact us during their annual renewal simply to verify whether their PEO's rate increase is fair. We benchmark your current rates against the South Florida market. If your current contract is solid, we advise you to stay.
Which PEO providers does Fortune Business Consulting work with?
We partner with over 30 leading national and regional IRS-certified (CPEO) and ESAC-accredited PEOs. We remain completely provider-agnostic, recommending only the PEO whose underwriting appetite, technology platform, and healthcare networks best align with your business.
Local South Florida Markets
Dedicated local PEO brokerage across Broward, Miami-Dade & Palm Beach
While we serve employers nationwide, we provide specialized on-the-ground representation for South Florida employers.
Marine trades, construction high E-Mod WC, and local advisory from our Plantation headquarters.
View Fort Lauderdale services →Logistics and warehousing, commercial construction, and healthcare practices across Miami-Dade County.
View Miami-Dade services →Landscaping and agricultural class codes, seasonal club staffing, and professional practice benefits.
View Palm Beach services →Testimonials
Trusted by 100+ Growing Businesses
See what our clients say about working with us
“Stephanie was great. She did all the leg work in getting me set up with employee leasing for my new business. She compared multiple companies and shared costs, pros & cons with me. Also was able to get me multiple quotes for my general liability insurance. Her follow through has been great in making sure everything goes smoothly. Thanks Stephanie!! I will be referring you to other business owners.”
“We received a notice that our current PEO was increasing our costs over 200%, so I reached out to my network for consulting firms and Fortune Business Consulting was overwhelmingly the top suggestion. Stephanie and Cristina were a pleasure to work with and provided me 5 options to work with. Our transition to a new PEO started out poorly, but Stephanie and Cristina worked diligently to have my concerns addressed and ensure the transition went smoothly. I cannot recommend Fortune Business Consulting highly enough!”
“Stephanie Fortune was the right person at the right time. She was very professional and personable. She navigated me safely through the HR and insurance process without any confusion.”
Free Comparison
Get your independent PEO proposal comparison
Tell us about your business and we’ll come back with what we can do. High E-Mods and prior declinations welcome.
No cost to you, and no obligation. We are a broker, so we compare PEOs on your side of the table.