10 Best Employer of Record (EOR) Service Providers in the United States [2026 Review]

Our Top 10 Picks from All Employer of Record (EOR) Companies in the United States [2026 Shortlist]

What is an EOR in the United States?

An Employer of Record (EOR) in the United States lets companies hire employees without setting up a local legal entity in each state. The EOR becomes the legal employer, while your company manages the employees’ day-to-day work.

The EOR handles payroll, benefits, and compliance with federal and state employment laws, including payroll tax withholding, workers’ compensation insurance, ACA requirements, overtime rules, family and medical leave, and E-Verify. It also navigates multi-state differences in labor regulations, at-will employment variations, and state-specific leave programs.

For global teams and expanding businesses, a United States EOR makes it easy to hire, pay, and stay compliant while entering the U.S. market quickly and confidently.

Key Services of EORs in the United States

• Multi-State Payroll Management: Processing salaries with state-specific income tax withholding across 50 states, managing FICA taxes (7.65% employer: 6.2% Social Security + 1.45% Medicare), FUTA (0.6% effective rate with credits), SUI/SUTA (0.5-8.5% varying by state and experience rating), and ensuring compliance with varying state wage payment laws.
• Workers' Compensation Insurance: Securing and managing workers' comp coverage (0.5-15% premiums varying dramatically by state, industry classification, and class code), handling certificates of insurance, managing claims, and ensuring OSHA compliance.
• ACA (Affordable Care Act) Compliance: Managing health insurance offerings for 50+ FTE employers, 1095-C form preparation and distribution, affordability calculations (9.12% of household income for 2026), minimum essential coverage tracking, and penalty avoidance.
• FLSA & Wage-Hour Compliance: Ensuring Fair Labor Standards Act adherence including overtime calculations (1.5x for 40+ hours/week), minimum wage compliance (federal $7.25/hour plus higher state minimums), exempt vs non-exempt classifications, and meal/rest break requirements varying by state.
• State Leave Law Compliance: Managing FMLA (12 weeks unpaid for qualifying employers), plus state expansions including California Paid Sick Leave (minimum 24-40 hours/year), New York Paid Family Leave (up to 12 weeks at 67% pay), New Jersey Family Leave Insurance, Washington Paid Family and Medical Leave, and 15+ other state-specific programs.

Benefits of Using an EOR in the United States

• 50-State Compliance: Hire across all US states without establishing separate entities or navigating 50 different tax, labor, and insurance regulatory systems.
• Workers' Comp Expertise: Access to group insurance rates and expertise managing 0.5-15% premiums varying dramatically by state and industry classification.
• ACA Navigation: Expert handling of complex Affordable Care Act requirements for 50+ FTE employers including affordability calculations and penalty avoidance.
• Remote Workforce Support: Enable truly distributed US teams without state-by-state entity registration, nexus concerns, or employment law variations.
• Flexible Scaling: Hire employees quickly across states and adjust team size without long-term entity commitments or complex multi-state compliance infrastructure.

Top 10 Best EOR Platforms in the United States

1. Gloroots (Global, with strong US coverage)

Gloroots helps companies hire and employ workers across all 50 US states without setting up local entities. It manages payroll taxes, workers’ compensation insurance, unemployment insurance, ACA compliance, and state-specific leave laws, allowing businesses to expand in the United States without legal or regulatory risk.

Gloroots supports companies from the hiring stage through ongoing employment. The platform connects hiring, onboarding, and Employer of Record (EOR) into a single workflow, providing predictable monthly costs starting at $400 per employee and fast onboarding in 1–2 weeks.

This makes Gloroots a trusted partner for companies expanding into US tech hubs or building remote-first teams across multiple states.

Why Use Gloroots in the United States

Gloroots combines a technology platform with in-house US multi-state HR and payroll experts. Companies get real-time visibility into payroll across all 50 states, workers’ compensation coverage, FUTA/SUTA obligations, ACA compliance, and state-specific leave requirements, while local specialists ensure every hire meets federal and state employment law requirements.

This approach gives startups and mid-market companies a faster and more predictable way to hire in the US compared to EORs that rely heavily on third-party partners, without establishing separate C-Corporation or LLC entities in each state.

Key Benefits and Features

• Hire in the US without an entity
  Employ American workers quickly, with Gloroots as the legal employer.
  
• Multi-state payroll automation
  State income tax, FUTA, and SUTA filings handled across all 50 states.
  
• Workers’ compensation marketplace
  Class code optimization and premiums (0.5–15%) managed efficiently.
  
• ACA compliance
  1095-C filings and affordability tracking for employers with 50+ FTEs.
  
• State leave compliance
  Navigation of California Paid Sick Leave, New York PFL, New Jersey Family Leave, and other state-specific laws.

United States-Specific Services Offered

• EOR hiring and onboarding with full compliance across all 50 states from California to New York.
• Payroll management with automated state income tax withholding, FICA (7.65%), FUTA (0.6%), and SUI/SUTA (0.5-8.5%).
• Workers' compensation insurance procurement and management across state-specific requirements.
• ACA compliance for employers crossing 50 FTE threshold including 1095-C preparation.
• State leave law administration including FMLA plus California, New York, New Jersey expansions.

Platform Experience

• Technology-driven platform with live dashboard providing real-time visibility into multi-state payroll and compliance.
• Transparent, user-friendly interface designed to minimize complexity of 50-state tax and regulatory landscape.
• Real-time tracking of workers' comp certificates, ACA obligations, and state leave requirements keeps businesses informed.

Customer Support

• 24/7 support availability for all client tiers ensures assistance across time zones and business needs.
• Responsive account managers provide strategic guidance and personalized support for complex multi-state compliance questions.
• Transparent communication and proactive onboarding assistance helps companies understand US federal and state employment landscape.

Pricing & Hidden Fees

Transparent pricing starting at $400 per employee/month, adjusted for workers' comp class code and state requirements. All services clearly itemized upfront. Simple, straightforward pricing structure with no hidden charges.

Pros:

• Handles 50-state complexity
• Rapid US market entry
• Multi-country scalability
• Cost-effective platform
• Compliance dashboard excellence

Cons:

• Emerging US presence
• State documentation intensive
• Workers' comp varies by class
• Platform state customization maturing
• Limited physical offices

Best For

Tech companies and remote-first organizations seeking rapid US market entry across multiple states with workers' comp expertise (0.5-15%), ACA compliance for 50+ FTE, and expert navigation of FLSA and state leave laws without establishing separate entities in each jurisdiction.

2. Justworks (US PEO/EOR leader)

Justworks dominates US EOR/PEO space with full-service HR, 50-state payroll, ACA administration, and workers' compensation for 100,000+ SMBs across tech and services sectors. They operate under certified PEO co-employment model providing comprehensive HR infrastructure.

The platform combines SMB-focused pricing ($59-109/employee/month plus payroll) with transparent flat-rate structure and fast onboarding (1 week).

Why Use Justworks in the United States

Justworks brings SMB HR excellence combined with transparent flat pricing and proven scale (100K+ clients). Their co-employment PEO model enables access to enterprise-grade benefits and workers' comp rates typically unavailable to small businesses.

The combination of comprehensive HR stack with affordable pricing creates ideal fit for startups and SMBs seeking complete people operations without dedicated HR staff.

Key Benefits and Features

• 50-state payroll: SUI optimization and automated new hire reporting across jurisdictions.
• ACA administration: Marketplace navigation and penalty avoidance for 50+ FTE employers.
• HR outsourcing: Full employee lifecycle support with policy templates and compliance guidance.
• Workers' comp: Nationwide certificates and claims management with competitive group rates.
• Fast onboarding: 1-week implementation timeline for rapid deployment.

United States-Specific Services Offered

• 50-state payroll managing SUI optimization and new hire reporting.
• ACA administration providing marketplace navigation and compliance.
• HR outsourcing covering complete employee lifecycle with templates.
• Workers' compensation with nationwide coverage and claims support.
• Benefits administration leveraging PEO purchasing power for competitive rates.

Platform Experience

• SMB-optimized platform designed for companies without dedicated HR teams.
• Comprehensive HR stack covering payroll, benefits, compliance, and employee management.
• User-friendly interface enabling self-service for common HR tasks.

Customer Support

• Business hours support with responsive assistance for SMB needs.
• Dedicated implementation team for onboarding process.
• 100K+ client base providing proven reliability and scale.

Pricing & Hidden Fees

Transparent flat pricing from $59-109 per employee/month plus payroll costs. Clear tier structure with no hidden charges. 10+ employee minimum requirement.

Pros:

• SMB HR excellence
• Transparent flat pricing ($59-109)
• ACA mastery
• Fast onboarding (1 week)
• 100K+ clients proven

Cons:

• US-only coverage
• 10+ employee minimum
• PEO co-employment model
• Enterprise limitations
• Healthcare regional variation

Best For

Startups and SMBs (10-100 employees) seeking comprehensive US HR infrastructure with transparent pricing ($59-109/month), ACA administration, and full-service support without dedicated HR staff.

3. TriNet (Enterprise US PEO)

TriNet serves Fortune 500 companies and SMBs with enterprise-grade US EOR/PEO, advanced HRIS, industry-specific benefits, and H-1B/OPT visa support across all states. They combine sophisticated HR technology with industry vertical specialization.

The platform provides enterprise HR infrastructure with equity administration, advanced analytics, and compliance expertise for complex organizations.

Why Use TriNet in the United States

TriNet brings enterprise HR platform combined with industry-specific expertise (tech, healthcare, manufacturing) and equity/visa mastery. Their advanced HRIS unifies performance management, payroll, and benefits for sophisticated workforce management.

The combination of enterprise capabilities with industry specialization creates ideal fit for growing companies requiring sophisticated HR infrastructure and compliance support.

Key Benefits and Features

• Advanced HRIS: Performance management, payroll, and benefits unified in single platform.
• Industry benefits: Tech, healthcare, and manufacturing-specific benefit pools with group purchasing power.
• Equity administration: 83(b) elections, ISO, NSO, and RSU tracking with tax compliance.
• H-1B/OPT compliance: Complete visa lifecycle support for international talent.
• Nationwide scale: Proven enterprise deployments across all 50 states.

United States-Specific Services Offered

• Advanced HRIS platform unifying workforce management capabilities.
• Industry-specific benefits leveraging vertical expertise and purchasing power.
• Equity administration managing 83(b), ISO, NSO, and RSU compliance.
• H-1B and OPT visa support for international hiring and retention.
• Enterprise analytics providing workforce insights and compliance tracking.

Platform Experience

• Enterprise-grade platform designed for sophisticated organizational needs.
• Industry vertical focus providing specialized features and benefits.
• Advanced analytics capabilities enabling data-driven HR decisions.

Customer Support

• Enterprise support with dedicated account management.
• Industry-specific expertise from specialized professionals.
• Proven Fortune 500 and high-growth SMB experience.

Pricing & Hidden Fees

Premium pricing starting at $150+ per employee/month reflecting enterprise capabilities. Custom quotes based on company size and industry. Transparent fee structure with detailed breakdowns.

Pros:

• Enterprise HR platform
• Industry-specific expertise
• Equity/visa mastery
• Nationwide scale proven
• Advanced analytics

Cons:

• Premium pricing ($150+/month)
• Enterprise complexity
• Long sales cycle
• US-only focus
• Feature overload for SMBs

Best For

Enterprise and high-growth companies seeking sophisticated US HR platform with industry specialization (tech/healthcare), equity administration, H-1B visa support, and advanced analytics capabilities.

4. Insperity (Texas-based US giant)

Insperity provides established US PEO/EOR with deep Southern and Western coverage, workers' compensation expertise, and HR consulting for mid-market growth. They bring 30+ years Texas-based operations with proven nationwide delivery.

The platform combines traditional HR consulting with comprehensive PEO services and risk management capabilities.

Why Use Insperity in the United States

Insperity brings 30+ years US experience combined with workers' comp optimization strength and mid-market focus. Their HR consulting depth provides strategic guidance beyond transactional services for growing organizations.

The combination of established presence with consulting expertise creates ideal fit for mid-market companies seeking hands-on HR partnership and risk mitigation.

Key Benefits and Features

• Workers' comp optimization: Multi-state certificates and competitive group rates.
• HR consulting: Leadership development and performance management frameworks.
• Payroll + benefits: Nationwide administration with compliance expertise.
• Risk management: OSHA and EEOC compliance guidance and support.
• Texas operations: Deep Southern and Western US market knowledge.

United States-Specific Services Offered

• Workers' compensation optimization with multi-state coverage and claims support.
• HR consulting providing leadership and performance frameworks.
• Payroll and benefits administration across all 50 states.
• Risk management for OSHA and EEOC compliance.
• 30+ years proven US PEO experience and reliability.

Platform Experience

• Traditional platform with established processes and proven reliability.
• Mid-market optimization with scalable service delivery.
• Comprehensive HR consulting beyond technology-only solutions.

Customer Support

• Dedicated HR consultants providing strategic guidance.
• 30+ years proven track record and stability.
• Mid-market focused service delivery model.

Pricing & Hidden Fees

Custom enterprise quotes reflecting consulting services and company requirements. Transparent quotes based on organizational complexity. Clear fee structure with detailed breakdowns.

Pros:

• 30+ years US experience
• Workers' comp strength
• Mid-market optimized
• HR consulting depth
• Texas operations excellence

Cons:

• Traditional processes
• Custom enterprise quotes
• Less startup agile
• Platform dated vs Rippling
• Regional emphasis

Best For

Mid-market companies (50-500 employees) seeking established US PEO with workers' comp expertise, HR consulting partnership, and proven 30+ year track record with Southern/Western market strength.

5. Velocity Global (US/global hybrid)

Velocity Global offers US EOR alongside 185+ country global expansion capabilities, providing domestic and international compliance from single unified platform. They specialize in distributed US teams plus offshore expansion coordination.

The platform combines true global reach with comprehensive US compliance for companies requiring both domestic and international workforce management.

Why Use Velocity Global in the United States

Velocity Global brings global and US coverage combined with rapid international scaling capabilities and unified compliance platform. Their strength in distributed team management enables seamless coordination across domestic and international locations.

The combination of US expertise with global reach creates ideal fit for companies expanding both domestically and internationally from single platform.

Key Benefits and Features

• Global + US unified platform: 185+ countries with domestic compliance.
• US contractor-to-W2 conversion: Seamless transitions maintaining compliance.
• Multi-state compliance: Payroll and workers' comp across all 50 states.
• Global mobility: Domestic and international transfer support.
• Rapid deployment: 2-day onboarding for fast market entry.

United States-Specific Services Offered

• US EOR integrated with 185+ country global platform.
• Contractor-to-W2 conversion for compliance transitions.
• Multi-state payroll and workers' compensation management.
• Global mobility supporting domestic and international transfers.
• Unified platform for distributed team coordination.

Platform Experience

• Global platform with comprehensive US compliance integration.
• Distributed team optimization for domestic and international coordination.
• Enterprise flexibility supporting complex workforce arrangements.

Customer Support

• Enterprise support for global and domestic requirements.
• Rapid deployment capabilities with 2-day onboarding.
• Unified platform expertise across jurisdictions.

Pricing & Hidden Fees

Higher pricing starting at $500+ per month reflecting global capabilities. Custom enterprise quotes based on requirements. Transparent fee structure with clear breakdowns.

Pros:

• Global + US coverage (185+ countries)
• Rapid international scaling
• Unified compliance platform
• Distributed team strength
• Enterprise flexibility

Cons:

• Higher global pricing
• US secondary to international
• Platform complexity
• Custom enterprise quotes
• Feature gaps vs pure US PEOs

Best For

Companies requiring both US and international expansion (185+ countries) with unified platform, distributed team coordination, and rapid deployment (2 days) for global workforce management.

6. Deel (Global leader, US entity)

Deel provides owned US entity EOR with 48-hour W-2 onboarding, contractor-to-employee conversions, and mature platform for tech expansion across states. They represent industry benchmark for compliance combined with contractor flexibility.

The platform enables ultra-fast deployment with comprehensive US compliance and global contractor payment capabilities.

Why Use Deel in the United States

Deel brings industry-leading automation capabilities combined with owned US entity infrastructure and 48-hour onboarding speeds. Their mature platform enables fastest market entry while maintaining multi-state compliance and contractor management flexibility.

The combination of speed with global platform capabilities creates ideal fit for tech companies prioritizing rapid scaling and contractor-to-employee transitions.

Key Benefits and Features

• 48-hour W-2 onboarding: Ultra-fast employee activation and compliance.
• Contractor-to-W2 automation: Frictionless transitions maintaining compliance.
• Global HRIS sync: Seamless enterprise API connectivity and integration.
• ACA + state leave compliance: Automated tracking and administration.
• Contractor platform: Global payment capabilities in 120+ currencies.

United States-Specific Services Offered

• 48-hour W-2 onboarding for rapid US employee activation.
• Contractor-to-W2 automation supporting compliance transitions.
• Global HRIS integration enabling platform coordination.
• ACA and state leave law compliance administration.
• Multi-state payroll with workers' comp management.

Platform Experience

• Cutting-edge modern platform with powerful automation and intuitive interface.
• Technology-driven workflows minimizing manual tasks while maintaining compliance.
• Strong API integrations enabling seamless data flow and system coordination.

Customer Support

• 24/5 support availability with responsiveness to US compliance questions.
• Global support team familiar with multi-state and federal requirements.
• Proactive assistance helping companies optimize platform usage and workflows.

Pricing & Hidden Fees

Premium pricing starting at $599+ per month with clear fee breakdown. Transparent structure reflecting automation capabilities. State-specific compliance may incur additional charges.

Pros:

• Ultra-fast US onboarding (48hr)
• Contractor-W2 excellence
• Mature enterprise platform
• Global scalability
• Strong integrations

Cons:

• Premium pricing ($599+/month)
• Feature tiers by plan
• Global-first focus
• Enterprise complexity
• State-specific extras

Best For

Tech companies seeking ultra-fast US deployment (48hr) with contractor-to-W2 conversion capabilities, global contractor platform, and strong API integrations for distributed team management.

7. Remote (Global enterprise EOR)

Remote delivers comprehensive US EOR with IP indemnity, equity administration, and enterprise compliance for senior tech hires across high-cost states. They excel in supporting complex arrangements with owned entity operations and intellectual property safeguards.

The platform focuses on maximum legal protection and compliance assurance for companies with strict regulatory requirements.

Why Use Remote in the United States

Remote brings owned legal entities combined with strong compliance infrastructure and intellectual property protection, providing maximum legal assurance for enterprises. Their focus on enterprise-grade compliance and equity management creates comprehensive solutions for senior talent acquisition.

The combination of legal entity ownership with IP protection creates ideal fit for companies prioritizing maximum compliance assurance and equity compensation capabilities.

Key Benefits and Features

• IP indemnity: Employment contract protection and intellectual property safeguards.
• Equity administration: 83(b) elections, ISO, NSO, and RSU compliance management.
• Enterprise benefits: Medical, dental, and vision insurance pools with competitive rates.
• 24/7 SLA support: Guaranteed enterprise resolution capabilities.
• Multi-state compliance: Comprehensive coverage across all 50 states.

United States-Specific Services Offered

• IP indemnity provisions protecting employment contracts and intellectual property.
• Equity plan administration for 83(b), ISO, NSO, and RSU compliance.
• Enterprise benefits marketplace with medical, dental, and vision pools.
• 24/7 SLA support providing enterprise-grade resolution capabilities.
• Owned US entity operations ensuring direct regulatory compliance.

Platform Experience

• Professional platform designed with compliance and legal protection as priorities.
• Real-time compliance dashboard providing continuous visibility into obligations.
• Enterprise-grade infrastructure supporting complex organizational requirements.

Customer Support

• 24/7 support with strong US multi-state and federal compliance expertise.
• Compliance-focused guidance ensuring adherence to all regulatory requirements.
• Personalized account management providing strategic support and proactive oversight.

Pricing & Hidden Fees

Premium pricing from $599–$900 per month reflecting enterprise capabilities. Transparent fee structure with clear cost breakdown. No hidden charges.

Pros:

• Enterprise compliance depth
• IP/equity expertise
• Premium benefits marketplace
• Global + US coverage
• White-glove support

Cons:

• Higher pricing tier
• Enterprise minimums
• Platform learning curve
• Less SMB agile
• Customization fees

Best For

Tech enterprises seeking maximum US compliance with IP protection, equity administration (83(b)/ISO/RSU), premium benefits marketplace, and comprehensive regulatory assurance for senior talent across high-cost states.

8. Rippling (US HR/IT platform leader)

Rippling offers unified HR/IT/device management EOR ranked #1 US platform with policy automation, contractor conversion, and global expansion capabilities. They provide complete workforce operating system combining payroll, benefits, IT, and device management.

The platform enables policy-as-code automation with comprehensive US and global workforce management.

Why Use Rippling in the United States

Rippling brings #1 US HR platform ranking combined with complete workforce OS integration and policy automation leadership. Their unified platform enables comprehensive control over HR, IT, payroll, benefits, and device management from single interface.

The combination of automation excellence with global contractor capabilities creates ideal fit for tech companies seeking complete workforce infrastructure.

Key Benefits and Features

• Unified HR/IT: Device provisioning, payroll, and benefits automation integration.
• Global contractor payments: 120+ currencies with seamless management.
• Policy engine: Custom compliance rules and automation workflows.
• Contractor-to-W2: One-click conversion maintaining compliance.
• Enterprise scale: Comprehensive platform for sophisticated workforce needs.

United States-Specific Services Offered

• Unified HR/IT platform with US multi-state compliance integration.
• Global contractor payment capabilities in 120+ currencies.
• Policy automation engine for custom compliance rules.
• Contractor-to-W2 conversion with seamless transitions.
• Device management integrated with employee lifecycle.

Platform Experience

• All-in-one platform combining HR, IT, payroll, benefits, and device management comprehensively.
• Policy-as-code automation enabling sophisticated workflow customization.
• Enterprise-grade infrastructure with deep integration capabilities.

Customer Support

• Premium enterprise support for complex organizational requirements.
• Policy automation expertise for custom workflow configuration.
• Proactive assistance optimizing platform usage and capabilities.

Pricing & Hidden Fees

Premium pricing starting at $8+ per user/month plus base fees. Custom quotes based on modules and company size. Transparent fee structure with clear breakdowns.

Pros:

• #1 US HR platform
• Complete workforce OS
• Policy automation leadership
• Global contractor strength
• Enterprise scale

Cons:

• Premium pricing ($8+/user + base)
• Complex small teams
• US-centric roadmap
• Steep learning curve
• Feature rich/complex

Best For

Tech enterprises seeking #1 US HR platform with complete workforce OS, policy automation, global contractor payments (120+ currencies), and unified HR/IT/device management infrastructure.

9. Papaya Global (Enterprise analytics)

Papaya Global excels in US/global EOR with workforce analytics, multi-country payroll forecasting, and enterprise compliance across 160+ countries. They focus on data-driven HR leaders optimizing US and international workforce spend.

The platform combines analytics excellence with enterprise security and unified multi-country billing.

Why Use Papaya Global in the United States

Papaya Global brings advanced analytics platform combined with enterprise security excellence (SOC2/ISO27001) and global cost transparency. Their workforce forecasting capabilities enable data-driven decisions for complex international operations.

The combination of analytics with compliance creates ideal fit for enterprises requiring sophisticated workforce intelligence alongside employment services.

Key Benefits and Features

• Workforce analytics: Cost forecasting and payroll budget optimization.
• Multi-country unified payments: Single invoice for global operations.
• Compliance risk scoring: Real-time monitoring and alerts.
• Enterprise security: SOC2 and ISO27001 certified infrastructure.
• 160+ country coverage: Comprehensive global reach with US expertise.

United States-Specific Services Offered

• Workforce analytics providing US and global cost forecasting.
• Multi-country unified payment platform with single billing.
• Compliance risk scoring with real-time US monitoring.
• Enterprise security with SOC2/ISO27001 certification.
• US multi-state compliance integrated with 160+ country platform.

Platform Experience

• Analytics-driven platform designed for data-centric HR leaders.
• Enterprise security infrastructure with comprehensive certifications.
• Unified multi-country billing simplifying global operations.

Customer Support

• Enterprise-focused support for complex organizational requirements.
• Analytics expertise enabling data-driven workforce optimization.
• Dedicated account management for large deployments.

Pricing & Hidden Fees

Enterprise-only pricing with quote-based minimums. Custom quotes reflecting analytics capabilities and global scope. Transparent fee structure with detailed breakdowns.

Pros:

• Advanced analytics platform
• Enterprise security excellence
• Global cost transparency
• Unified multi-country billing
• Data-driven decisions

Cons:

• Enterprise-only pricing
• Complex interface
• Quote-based minimums
• Analytics learning curve
• Less SMB friendly

Best For

Large enterprises (500+ employees) seeking analytics-driven US/global EOR (160+ countries) with workforce forecasting, unified billing, and enterprise security (SOC2/ISO27001) for data-driven HR optimization.

10. Gusto (SMB payroll/EOR hybrid)

Gusto provides SMB-friendly US payroll and EOR with simple onboarding, full-service HR, and competitive benefits starting at $40/month base plus $6/employee. They serve 300,000+ US SMB customers with industry-leading startup and small business focus.

The platform combines simple pricing with comprehensive HR capabilities optimized for 1-100 employee companies.

Why Use Gusto in the United States

Gusto brings SMB pricing leadership combined with simple user experience and proven scale (300K+ customers). Their focus on startups and small businesses creates accessible HR infrastructure without enterprise complexity.

The combination of affordable pricing with full HR capabilities creates ideal fit for early-stage companies and small businesses requiring complete people operations.

Key Benefits and Features

• Simple payroll: Multi-state processing with automated new hire reporting.
• Full-service HR: Onboarding workflows and policy template library.
• Competitive benefits: Medical, dental, and 401(k) administration.
• Time tracking + PTO: Employee self-service with approval workflows.
• Fast implementation: 3-5 day onboarding for rapid deployment.

United States-Specific Services Offered

• Simple multi-state payroll with new hire reporting automation.
• Full-service HR including onboarding and policy templates.
• Benefits administration for medical, dental, and 401(k) plans.
• Time tracking and PTO management with employee self-service.
• 300K+ US SMB customer base providing proven reliability.

Platform Experience

• Simple, intuitive interface designed for non-HR professionals.
• SMB-optimized platform focusing on essential features without complexity.
• Fast implementation enabling 3-5 day deployment.

Customer Support

• Business hours support providing assistance for SMB needs.
• Simple onboarding process with guided setup.
• 300K+ customer base proving reliability and scale.

Pricing & Hidden Fees

SMB pricing leader at $40/month base plus $6/employee. Transparent flat-rate structure with no hidden charges. Clear tier options for different company sizes.

Pros:

• SMB pricing leader ($40 base + $6/employee)
• Simple user experience
• 300K+ US SMBs
• Full HR + payroll
• Fast implementation (3-5 days)

Cons:

• Limited enterprise features
• US-only coverage
• Basic global contractors
• Feature gaps vs Rippling
• Scale limitations

Best For

Startups and SMBs (1-100 employees) seeking most affordable US payroll/HR solution ($40 + $6/employee) with simple implementation (3-5 days), full-service HR, and proven reliability (300K+ customers).

FAQs

1. How do you choose the right EOR in the United States?

Look for providers with expertise in multi-state payroll across all 50 states, workers’ compensation management, ACA compliance for 50+ FTE employees, FLSA overtime rules, and state leave laws. They should offer FUTA/SUTA handling, transparent pricing, fast onboarding, and strong nationwide experience with proven tech platforms and positive client reviews.

2. What compliance areas should you check?

Ensure your EOR handles payroll taxes across all states, FICA (7.65% employer), FUTA (0.6%), SUI/SUTA (0.5–8.5%), workers’ compensation insurance (0.5–15%), ACA compliance (1095-C, affordability calculations), FLSA overtime, federal and state minimum wages, state leave laws including FMLA and state-specific expansions, at-will employment variations, E-Verify, and new hire reporting.

3. Expert tips for hiring

Choose providers with proven multi-state payroll and workers’ comp expertise. Confirm ACA administration experience for 50+ FTE employers and knowledge of wage-hour laws. Ensure familiarity with state leave laws, FUTA/SUTA optimization, and at-will employment nuances. Check platform capabilities for managing distributed teams efficiently.

4. How to pick the best EOR

Compare pricing, multi-state payroll, and workers’ comp expertise. Test responsiveness on ACA, FLSA, and state leave questions. Review client feedback from tech and services sectors. Verify industry-specific workers’ comp experience and ACA administration if approaching 50+ FTE. Request a pilot to assess platform usability, compliance quality, and support before scaling nationwide.

5. Why use an EOR in the United States?

An EOR lets you hire across all 50 states without forming separate entities, ensuring compliance with federal and state payroll taxes, FICA, FUTA/SUTA, workers’ compensation, ACA, FLSA, state leave laws, minimum wage variations, at-will employment, and E-Verify. It speeds nationwide market entry, enables distributed teams, reduces regulatory risk, eliminates entity setup costs, and provides access to talent in major tech hubs like San Francisco, New York, Austin, Seattle, and Boston.