Leaving your PEO?
We'll get you out clean.
A PEO exit usually means re-securing benefits, re-rating, and re-implementing. It doesn't have to. Sdine stands up your own plans on your own entity and sequences the switch around your renewal — so nobody loses coverage.
Five signs you've outgrown your PEO.
PEOs are a good on-ramp. But as you scale, the pooled plans and per-head fees start working against you.
- Your renewal climbs every year and no one shops it for you
- Per-employee PEO fees are quietly adding up as you hire
- You're raising, and co-employment complicates your cap table
- You're hiring across states and want to keep your own entity
- Your team can't get a straight answer on their benefits
The exit path
Off the PEO, onto your own entity.
Free exit audit
We map your PEO 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.
The PEO trade-offs you stop making.
You keep the enterprise benefits and compliance. You drop the co-employment, the fees, and the lock-in.
No co-employment
Hire on your own EIN. Your cap table, equity plan and workers' comp stop routing through a PEO.
Your own optimized plans
Instead of a master pool, AI right-sizes plans to your workforce and shops every carrier — up to 25% off.
No per-employee fees
PEOs charge $150–200 per employee per month. Sdine is free to your company — we earn carrier commission.
Keep your stack
No forced migration. Sdine runs on top of the payroll and HRIS you already use.
Zero exit tax
There's no PEO to exit next time. Your entity, plans, carriers and records are already in your name.
A real, named expert
A dedicated senior consultant — plus a 50+ vetted fractional-HR network — instead of a support pool.
Switching from a PEO, answered.
Do my employees lose coverage when we leave the PEO?
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 the PEO charges per employee?
Sdine is paid by carriers through standard broker commission. 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.
Go deeper on the PEO exit.
The cost math, the 90-day timeline, and the signals — written out in full on the Sdine blog.
PEO Advantages and Disadvantages: A Practical Guide
A clear look at PEO advantages and disadvantages, when a PEO makes sense for a growing company, and how it compares to a broker-led benefits model like Sdine.
ReadLeaving your PEOThe PEO Exit Playbook: 90 Days From Decision to Clean Open Enrollment
Most PEO exits go wrong in the first 30 days, missed underwriting deadlines, coverage gaps, misaligned payroll. The operational sequence that prevents all of it, and what Sdine owns for you in each phase.
ReadLeaving your PEOPEO vs Sdine: The Real Cost Math at 30, 75, and 150 Employees
Most 'is it worth leaving the PEO' calculators stop at admin fees. The actual cost gap lives in master plan pooling, hidden margin layers, and the claims data you don't own. Real math at three startup sizes, and where Sdine fits in each.
ReadLeaving your PEOPEO Graduation: 5 Signals Your Startup Has Outgrown Justworks, Rippling, or TriNet
Most founders don't decide to leave their PEO, they hit a renewal where staying costs more than leaving and realize the window closed six months ago. The five signals that actually matter, and what changes when you move to an AI-native broker built for this transition.
ReadSee what your PEO 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