Everything TriNet does,
without the co-employment.
TriNet is a PEO: it puts your team on its EIN and its master medical plan, and charges a per-employee fee for the privilege. Sdine gives you the same benefits, compliance, and support — on your own entity, on your own plans, free to your company.
Line by line
Sdine vs TriNet, compared honestly.
A PEO bundles benefits, payroll, and compliance by becoming your co-employer. Sdine unbundles the same outcomes and hands them back to you — without renting your headcount.
You keep your own EIN — no co-employment, ever.
Co-employment: your team sits on TriNet's EIN.
Your own group plans, shopped across every major carrier.
Bundled into TriNet's master medical pool.
AI models every carrier each cycle; claims data drives the ask down.
Pooled risk — premiums can spike as your group grows.
Free. We're paid by carriers, like any broker.
Per-employee admin fees, roughly $150–200/mo each.
Runs on top of Gusto, Rippling, ADP, Justworks or Deel.
You migrate onto TriNet's HRIS and payroll.
A named senior consultant + a 24/7 employee app.
A shared HR service pool and case queue.
Handled end-to-end — and it stays yours if you leave.
Handled, but tied to co-employment. Leave and it's gone.
No lock-in. Your entity, plans and data are already yours.
A PEO exit: re-secure benefits, re-rate, re-implement.
The PEO trade-offs you no longer have to make.
TriNet's model asks you to give up your entity and your plans to get enterprise benefits. Sdine gives you the benefits and lets you keep both.
No co-employment
Hire on your own EIN. Your cap table, your equity plan, your workers' comp — none of it gets routed through a PEO.
Your own optimized plans
Instead of a master pool, AI right-sizes plans to your actual workforce and shops every carrier — up to 25% off healthcare costs.
No per-employee fees
PEOs charge $150–200 per employee per month. Sdine is free to your company — we earn carrier commission, like every broker.
Keep your stack
No forced migration. Sdine runs on top of the payroll and HRIS you already use — Gusto, Rippling, ADP, Justworks, Deel.
A real, named expert
A dedicated senior consultant on Slack or text — plus a 50+ vetted fractional-HR network — instead of a generic support pool.
Zero exit tax
There's no PEO to exit. If you ever leave Sdine, your entity, plans, carriers and records are already in your name.
Where each one actually fits.
We'd rather you pick the right model than the loudest pitch. Here's the fair version.
TriNet still makes sense if…
- You want a single legal employer
If you'd rather fully outsource employer liability and are comfortable with co-employment, a PEO's bundled model can be simpler.
- You need bundled workers' comp
PEOs fold workers' comp and some employer-of-record functions into one master policy, which suits some very small or high-risk teams.
- You have zero benefits infrastructure
A brand-new company with no entity-level plans may find the all-in-one master plan easier on day one.
Sdine wins when…
- You're scaling and cost matters
As headcount grows, per-employee PEO fees and pooled renewals get expensive. Your own optimized plans compound in your favor.
- You want to keep your entity
Fundraising, equity, and clean cap-table hygiene are far simpler when your team is on your own EIN — not a PEO's.
- You already have a payroll stack
If you run Gusto, Rippling, ADP or Deel and don't want to rip it out, Sdine layers on top instead of replacing it.
Leaving the PEO
Off TriNet, onto your own entity.
Free exit audit
We map your TriNet plans, rates and renewal timing, then model what your own optimized plans would cost. You see the savings in 48 hours.
Set up your group
We stand up your own carrier plans on your EIN, sign the broker-of-record letter, and sequence the transition around your renewal so nobody loses coverage.
Go live in 7–10 days
Employees onboard in the Sdine app, compliance and multi-state tax move onto autopilot, and payroll keeps running on your existing stack.
Switching from a PEO, answered.
Do my employees lose coverage when we leave TriNet?
No. We time the move around your renewal and stand up your own plans before the PEO plans end, so coverage is continuous. Digital cards are live in the Sdine app on day one.
Is Sdine a PEO too?
No. Sdine is an AI-native brokerage and service layer. There's no co-employment — your team stays on your EIN and your own group plans.
How is it free if TriNet charges per employee?
Sdine is paid by carriers through standard broker commission, the same way any broker is. There are no setup fees, admin fees, or per-employee charges to your company.
Do we have to change payroll?
No. Sdine runs on top of whatever you use — Gusto, Rippling, ADP, Justworks or Deel. Leaving the PEO doesn't mean a payroll migration.
See what TriNet is really costing you.
Free exit audit. We pull your current PEO plans and fees, model your own optimized plans, and show you exactly what you'd save — in 48 hours.
Run my free PEO exit audit