A Professional Employer Organization co-employs a client’s workers and can offer benefits through its larger pooled plan. This can widen plan access and offload administration, though employers should weigh cost, control, and exit terms.
You are, the client company. Using a PEO or staffing firm doesn’t move the ACA employer mandate or 1095-C reporting to the PEO. The client stays the common-law employer and ALE, though the PEO can offer coverage and file the forms on the client’s behalf.
A Professional Employer Organization co-employs your staff and lets a small business access large-group benefits, payroll, and HR through the PEO. It can mean richer plan options, but you’re tied to the PEO’s plans and pricing.