Rippling sells you software.
Sdine runs the work.
Rippling's PEO is co-employment wrapped in great software — you still administer benefits yourself, in the app. Sdine is a done-for-you service on your own entity: a real consultant and AI shop, optimize and run your benefits and compliance. And we run right on top of Rippling payroll.
Line by line
Sdine vs Rippling, compared honestly.
Rippling is a superb system of record — and you can keep it. The question is who actually does your benefits and compliance: software you operate, or a team that operates it for you.
A dedicated consultant + AI run benefits and compliance for you.
You do it yourself inside the Rippling app.
Your own EIN — no co-employment.
Rippling PEO is co-employment on their EIN.
Your own group, every carrier, right-sized to your team.
PEO master plan, or a broker you still manage.
AI models every carrier; claims data drives the ask down.
Renewal quotes surfaced in software — you negotiate.
We run payroll on top of your Rippling — keep the tool.
Rippling payroll, operated by your team.
A named human + a 24/7 employee app with bill defense.
Software support tickets and a help center.
ACA, ERISA, 5500, multi-state, notices — executed for you.
Flagged by the platform; execution is largely on you.
Free — carrier commission. No per-seat benefits fee.
Per-employee software + PEO pricing.
Software prompts you. Sdine does it.
Rippling gives you tools and reminders. Sdine gives you a team that closes the work — while you keep Rippling for what it's great at.
AI-native, human-run
AI triages notices in minutes and models thousands of plan configurations. In-house experts execute — you're not the one clicking through the workflow.
Keep your entity
Rippling's PEO means co-employment. Sdine leaves your team on your own EIN, so your cap table and equity plan stay clean.
Runs on your Rippling
You don't have to choose. Keep Rippling as your HRIS and payroll — Sdine layers benefits, compliance and people ops on top of it.
Actively optimized plans
Not a master pool and not a lazy renewal. Every carrier shopped every cycle, right-sized to your workforce — up to 25% off.
A real employee app
24/7 concierge, digital cards, pharmacy savings and bill negotiation — the Care Navigator disputes wrong bills for your team, in-app.
Compliance, executed
ACA, ERISA, COBRA, Form 5500, multi-state tax and .gov notices — monitored across 10,000+ jurisdictions and actually filed by us.
Where each one actually fits.
Rippling and Sdine aren't always either/or — often they're better together. Here's the fair version.
Rippling shines when…
- You want one system of record
Rippling unifies HRIS, IT, device management and payroll beautifully. As a platform, it's best-in-class — and you can keep it.
- You prefer self-serve software
If you have an ops team that likes owning benefits admin in-app and wants everything under one login, Rippling's model fits.
- You're buying IT + HR together
Rippling's device and app provisioning is a genuine differentiator that Sdine doesn't try to replace.
Sdine wins when…
- You want it done, not DIY
If benefits, compliance and people ops are a distraction, Sdine runs them with a real team instead of handing you more software.
- You don't want co-employment
Sdine's benefits and compliance don't require a PEO. Keep your entity and still get enterprise-grade plans.
- You want the best of both
Keep Rippling for HRIS/IT/payroll and add Sdine for benefits and compliance. You lose nothing and gain a team.
Adding Sdine
Keep Rippling. Add a team.
Connect your Rippling
We link to your existing Rippling for payroll and HRIS data — read/write access in under 10 minutes. No migration, no rip-and-replace.
We take over benefits & compliance
Sign the broker-of-record letter. Sdine shops your plans, moves ACA/ERISA/5500 and multi-state tax onto autopilot, and staffs a named consultant.
Employees go live in days
Your team gets the Sdine app for concierge, cards and bill defense — while payroll keeps running on the Rippling you already know.
Sdine alongside Rippling, answered.
Do I have to leave Rippling?
No. Sdine runs on top of Rippling payroll and HRIS. Most teams keep Rippling as their system of record and add Sdine for benefits, compliance and people ops.
How is Sdine different from Rippling's own brokerage?
Rippling's benefits are software you operate, with a transactional broker. Sdine is a done-for-you service: a dedicated consultant plus AI that actively optimizes and runs your plans.
Does Sdine mean co-employment like the Rippling PEO?
No. Sdine is not a PEO. Your team stays on your own EIN and your own group plans — you get the benefits without the co-employment.
What does Sdine cost on top of Rippling?
Nothing to your company. Sdine is paid by carrier commission. You keep paying Rippling for its software; Sdine adds the team at no cost to you.
Keep the software. Add the team.
Free savings estimate. We model your plans against the full market and show what Sdine would save — while you keep Rippling running underneath.
Get my free estimate