White Papers

Below are white papers from PEO Compass, NAPEO, and NCCI. Expand and contract each section by clicking the corresponding header.

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The following white paper, presented by RiskMD LLC, is an analysis of the existing Business Insurance Ecosystem and the role of a Professional Employer Organization within it. The following paper will identify, analyze and opine to the model known as coemployment. Click the link below or the cover image to the right to download the white paper.

Download “Understanding the Business Insurance Ecosystem: A Case Study on PEO” the white paper by RiskMD LLC.
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NAPEO’s White Paper series aims to help the general public and small business owners better understand the economic impact and value of the PEO industry and the ways working with a PEO can help businesses grow and thrive.

  • Businesses in a PEO arrangement grow 7-9 percent faster, have 10-14 percent lower turnover, and are 50 percent less likely to go out of business.
  • PEOs are able to offer a broad array of HR services at a lower cost, and offer access to retirement plans to small business that may not otherwise sponsor them.
  • PEOs generate between $136 and $156 billion in gross revenues, provide services to between 2.7 and 3.4 million workers, and offer HR, benefits, and compliance assistance to between 156,000 and 180,000 small to mid-size businesses.
  • In each of the last 30 years, the PEO industry has added, on average, roughly 100,000 worksite employees and 6,000 net new clients. For perspective, that means that every five years, the PEO industry has added the employment equivalent of the entire utilities industry in the United States.​
  • As many as 14-16 percent of small businesses with 10-99 employees partner with a PEO for their HR and benefits needs.
  • Administrative costs are around $450 lower per employee for businesses that use a PEO.

White Paper 1 (September 2013): Professional Employer Organizations: Fueling Small Business Growth

White Paper 2 (September 2014): Professional Employer Organizations: Keeping Turnover Low and Survival High

White Paper 3 (September 2015): An Economic Analysis: The PEO Industry Footprint

White Paper 4 (September 2016): The State of the PEO Industry 2016: Markets, Value, and Trends

White Paper 5 (September 2017): PEOs: Good for Businesses and Their Employees

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NCCI’s Guide to Professional Employer Organizations
State-by-State Guidelines for Workers Compensation
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