PEO renewals nobody benchmarked. Workers' comp on the wrong NAICS. Tipped labor compliance scattered across three states. HRIS that doesn't talk to time-and-attendance. We review the whole people-cost line against what good actually costs — and show you where 12–25% is leaking.
The people are fine. The stack around them is the problem.
PEO chosen at launch, never benchmarked. Classification copy-pasted across states. Stack accreted vendor by vendor.
None of these are problems on their own. Together, in a multi-state operating model, they're how 12–25% of your people-cost line quietly walks out the door.
Health & protection
91% of healthcare events happen outside a hospital — doctor visits, meds, labs, dental, vision — and your team pays for them out of pocket through copays and deductibles. UnifyWell fixes that: free, unlimited virtual care, steep discounts on real care, and full ACA compliance — structured so your employees take home more, and you save on payroll taxes.
Primary care, urgent care, and mental-health counseling — 24/7, $0 to the employee.
Free generic meds, international sourcing for brand names, and a GLP-1 weight-loss program.
Up to 60–75% off labs, imaging, procedures, dental and vision — nationwide.
Customized modules and live coaching, fully confidential and HIPAA-compliant.
Minimum Essential Coverage for every enrolled employee, with free preventive care.
Not just open enrollment. Supplements your current plan — or stands alone.

Built by Dr. Jawad Arshad, MD, FACEP · independently compliance-vetted, with legal & tax opinions on file. A complement to your benefits — designed to give your team time and money back, not to replace what works.
*Illustrative example based on a $2,600/mo wage; your numbers depend on your payroll. We build a customized proposal from a simple payroll summary — roughly 90% accurate before anything is signed.
What your PEO is actually charging — the visible admin fee plus the load buried inside medical, comp, and ancillary lines. Plan design benchmarked against operators of your size and footprint.
Role-by-role NAICS classification, experience mod analysis, and the surcharges that quietly stack on consumer-brand operators — especially anyone with warehouse, kitchen, or retail labor.
State-by-state minimum wage, overtime triggers, meal break rules, sick leave accrual. Where federal exemption rules and state requirements disagree — and where exposure compounds.
For hospitality, retail, and service-led brands: tip pool legality, service-charge handling, dual-jobs rules, and the FLSA changes most operators haven't updated since 2022.
HRIS, time-and-attendance, scheduling, payroll. Where the right system saves more than it costs — and where overlapping vendors create reconciliation labor that nobody owns.
The recruiting stack accretes vendor by vendor. We map what's deployed, what's actually used, and what to consolidate — without breaking the hiring funnel.
Partner network covers payroll, HR ops, compliance, benefits, HRIS, cash management. One point of accountability. Every commission disclosed on the contract.
Multi-state, multi-entity processing — benchmarked against actual paid pricing.
Lifecycle execution from handbook through termination. Scoped by us, delivered by partners.
Wage-and-hour, classification, leave, workers' comp — the exposure that compounds when nobody owns it.
Health, retirement, voluntary, ancillary — sourced against paid-price benchmarks, not list.
HRIS + time, attendance, scheduling, self-service. Tier matched to your complexity.
Payroll funding, cash handling, banking intros for cannabis, hospitality, and multi-location retail.
Partners selected for category depth, not commission size. Whatever we're paid is on the contract — you see it before you sign.
Tipped servers, hourly back-of-house, salaried management classified under three different NAICS — two of them wrong. Mod rate inflated for two policy years.
PEO never benchmarked since founding. Admin fee buried in medical premium. Workers' comp loaded outside the master — and never re-bid.
CA, NY, TX. Three payroll providers, three time clocks, three OT structures. Warehouse pickers paid hourly but treated as exempt — quietly building a class-action ceiling.
HRIS, payroll, time-and-attendance, ATS — four separate platforms. Onboarding ran across three. Two FTEs spent half their week reconciling exports.
* Case studies are representative composites built from typical engagement outcomes. Specific results vary by company size, operating footprint, and existing contract terms.
One short assessment to map where the leakage is. We come back with the math — or we tell you you're already running clean.