Top HR outsourcing and PEO providers in New Jersey, ranked by ChatGPT answers

Places ChatGPT showed

• ExtensisHR · 4.1★ · Human resource consulting
• Cornerstone PEO · 4.6★ · Payroll service
• AdvantEdge HR · 4.9★ · Payroll service
• Consolidated Human Resources · 4.6★ · Human resource consulting
• NEMR Total HR - National Employee Management Resources · 4.1★ · Human resource consulting
• Fusion Employer Services · 4.2★ · Payroll service
• EnformHR, LLC · 5.0★ · Human resource consulting

If you’re looking for PEO or outsourced-HR providers that serve New Jersey, I’d put these near the top of the shortlist. I’m separating true PEOs from HRO/ASO firms because the distinction matters: a PEO enters a co-employment relationship, while an HRO/ASO generally lets you retain full employer status. New Jersey specifically regulates PEO/employee-leasing arrangements.

Best PEO / HR outsourcing providers in New Jersey

Provider	Best for	Why I’d consider it
ExtensisHR	Best NJ-based all-around option	Strong combination of PEO + HRO, benefits, payroll, compliance, recruiting and risk management; NJ headquarters and a service-oriented model.
ADP TotalSource	Best for scale & sophisticated payroll	Excellent multi-state infrastructure, benefits, payroll, compliance and HR technology. IRS-certified and ESAC-accredited.
TriNet	Industry-specific HR	Particularly attractive if you want HR/benefits programs tailored around your industry and a more consultative PEO model.
Insperity	High-touch HR support	Strong choice if you want an outsourced HR department rather than primarily a payroll platform; particularly good for growing mid-market businesses.
Paychex PEO	Payroll + HR breadth	Good fit for SMBs that want a large, established provider and broad payroll/HR capabilities. Paychex specifically markets PEO services to NJ employers.
Justworks	Small businesses/startups	One of the easier PEOs to understand and budget for, with published per-employee pricing and strong technology. Current published PEO pricing is $79/employee/month for Basic and $124 for Plus, although you should verify the quote before deciding.
Rippling PEO	HR + IT automation	Particularly compelling for technology-oriented companies that want HR, payroll, employee lifecycle and IT management integrated into one platform.

My top 3 for a New Jersey employer

1\. ExtensisHR — best overall if you value local service

This is the one I'd investigate first if you're specifically looking for a New Jersey-oriented partner rather than simply choosing one of the national giants. ExtensisHR is headquartered in Iselin and offers both PEO and HRO models. Its PEO includes payroll/tax administration, benefits, workers' comp, risk management, compliance, HR consulting and recruiting. It is also IRS CPEO certified and ESAC accredited.

ExtensisHR

★ 4.1 · Human resource consulting · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=ExtensisHR%2C485%20US-1%20Bldg%20E%2C%20Iselin%2C%20NJ%2008830%2C%20United%20States) [Website](https://www.extensishr.com/?utm_source=chatgpt.com) [Call](tel:+1 888-473-6398)

2\. ADP TotalSource — best for a larger/multi-state company

I'd lean ADP if you have employees in several states, complicated payroll, a larger workforce, or anticipate substantial growth. TotalSource combines payroll, benefits, workers' compensation, compliance and HR expertise, and it has both IRS CPEO certification and ESAC accreditation.

3\. Insperity — best if you want a real HR partner

If your main problem is "we don't have enough HR expertise" rather than "our payroll software is bad," Insperity is worth serious consideration. It tends to be a better fit for companies that want hands-on HR guidance, employee-relations support, benefits administration and organizational-development help.

Don't overlook NJ-based boutique providers

If you're under ~100 employees, I wouldn't automatically go with ADP or another giant. A smaller NJ provider can sometimes deliver much more responsive service.

A few worth putting on an RFP list:

• Cornerstone PEO — Medford; local PEO focused on small/midsize employers.
• AdvantEdge HR — Oakland; combines payroll, benefits and HR outsourcing and emphasizes a higher-touch service model.
• Consolidated Human Resources — Park Ridge; offers both ASO and PEO approaches, useful if you want to compare co-employment against retaining your own employer relationship.
• NEMR Total HR — Marlton; outsourced HR, payroll, benefits and risk management with a concierge-style approach.
• Fusion Employer Services — Lawrence Township; NJ-rooted PEO/payroll/HR provider that's now part of Engage PEO.
• EnformHR, LLC — Holmdel; more of a fractional/outsourced HR consulting model than a traditional large PEO.

PEO vs. outsourced HR: an important distinction

I'd decide this before requesting quotes.

Choose a PEO if you want:

• Payroll and payroll taxes handled
• Benefits administration and access to larger-group benefits
• Workers' compensation/risk management
• HR compliance support
• A co-employment relationship
• More of the administrative burden transferred away from your company

Choose HRO/ASO if you want:

• To remain the sole employer
• Outsourced HR expertise without co-employment
• Payroll/benefits/compliance assistance
• More control over your existing benefit plans and HR infrastructure

For example, ExtensisHR explicitly offers both models, which makes it particularly useful if you're not yet sure which structure makes sense.

One NJ-specific consideration

Don't evaluate these companies purely on the national PEO pitch. New Jersey has its own employee-leasing/PEO registration requirements, and the NJ Department of Labor notes that both the PEO and client can remain jointly liable for certain wage reporting and contribution obligations.

If you tell me your approximate employee count (e.g. 10, 50, 150, 500), industry, and whether you have employees outside NJ, I can narrow this to the 3 best providers and compare likely pricing, benefits, service model, and pros/cons for your situation.

Worked for 8s

1. Searching the web
2. I’ll compare providers that genuinely serve New Jersey employers in the 10–200 range, focusing on PEO depth, HR/payroll, benefits, compliance, pricing model, and fit by company size.
3. Searching the web
4. Searched 19 websites

Map data is currently unavailable ExtensisHR 4.1Human resource consultingClosed InsperityPayroll ServicesClosedADP TotalSource 3.7Computer service TriNet 2.4Human resource consultingClosed Justworks 3.2Software companyClosed Oasis, a Paychex CompanyEmployment AgenciesClosed

For a New Jersey company with 10–200 employees, I’d put ExtensisHR, Insperity, ADP TotalSource, TriNet, Justworks, and Paychex/Oasis on the initial shortlist. The best choice depends heavily on whether you want a true outsourced HR department, a technology-first PEO, or simply payroll/HR administration.

My shortlist

Provider	Best fit	10–25	25–75	75–200	NJ/local advantage
ExtensisHR	High-touch NJ/Northeast HR outsourcing	⭐⭐⭐⭐	⭐⭐⭐⭐⭐	⭐⭐⭐⭐⭐	Excellent
Insperity	Outsourced HR department / HR expertise	⭐⭐⭐	⭐⭐⭐⭐⭐	⭐⭐⭐⭐⭐	Excellent
ADP TotalSource	Scale, benefits & multi-state	⭐⭐⭐	⭐⭐⭐⭐⭐	⭐⭐⭐⭐⭐	Excellent
TriNet	Industry-specific / professional services	⭐⭐⭐	⭐⭐⭐⭐⭐	⭐⭐⭐⭐⭐	Good
Justworks	Small companies wanting simplicity & price transparency	⭐⭐⭐⭐⭐	⭐⭐⭐⭐⭐	⭐⭐⭐	Regional, not NJ-specific
Paychex/Oasis	Traditional HR outsourcing + payroll	⭐⭐⭐⭐	⭐⭐⭐⭐	⭐⭐⭐⭐	Excellent

1\. ExtensisHR — my top NJ-specific choice

★ 4.1 · Human resource consulting · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=ExtensisHR%2C485%20US-1%20Bldg%20E%2C%20Iselin%2C%20NJ%2008830%2C%20United%20States) [Website](https://www.extensishr.com/?utm_source=chatgpt.com) [Call](tel:+1 888-473-6398)

If you specifically want a New Jersey-based PEO/HRO, this is probably the first company I'd interview.

ExtensisHR is headquartered in the New Jersey/Metropark area and offers both PEO and HRO models. Its positioning is notably service-oriented, with payroll, benefits, risk management, HR administration and compliance support. It also offers a higher-touch "PEO Premier" model with a dedicated team.

Best for:

• 25–200 employees
• NJ/Northeast companies
• Professional services, technology, healthcare, financial services and similar white-collar businesses
• Companies that want an actual HR partner, not just software
• Employers that may eventually want HRO rather than co-employment

Why I'd shortlist it: For a 50–150-person NJ company, the combination of regional expertise and high-touch service is particularly attractive.

2\. Insperity — best outsourced-HR experience

3\. ADP TotalSource — best for scale and benefits

ADP TotalSource is particularly compelling if you have multiple states, rapid growth, or sophisticated payroll/benefits requirements.

ADP also has a substantial presence in New Jersey, including its Roseland headquarters.

Payroll Services · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=Insperity%2C1%20Tower%20Center%20Blvd%2C%20Ste%202102%2C%20East%20Brunswick%2C%20NJ%2008816) [Website](https://www.insperity.com?utm_source=chatgpt.com) [Call](tel:+17329672786)

I'd put Insperity near the top if your goal is essentially "give us an HR department without hiring one."

Its sweet spot is roughly 25–500 employees, particularly 50–200, and its model emphasizes dedicated HR professionals, compliance assistance, payroll, benefits and broader talent/performance support. It has an East Brunswick office serving New Jersey.

Best for:

• 50–200 employees
• Companies without a sophisticated internal HR team
• Managers who need employee-relations and compliance guidance
• Companies wanting more hands-on consulting than a software platform provides

Downside: It tends to be a premium option, and pricing is quote-based.

3\. ADP TotalSource — best for scale and benefits

★ 3.7 · Computer service

[Directions](https://www.google.com/maps/dir/?api=1&destination=ADP%20TotalSource%2C1%20Adp%20Blvd%2C%20Roseland%2C%20NJ%2007068%2C%20United%20States) [Website](http://adptotalsource.com/-/media/Insurance/Docs/HB-ECC-Ovrvw-ESPAN-FS.ashx?utm_source=chatgpt.com) [Call](tel:+1 866-892-3383)

ADP TotalSource is particularly compelling if you have multiple states, rapid growth, or sophisticated payroll/benefits requirements.

ADP describes TotalSource as its full-service PEO for small and midsize businesses, combining payroll, benefits, workers' compensation, compliance, HR expertise and technology. It is both IRS-certified (CPEO) and ESAC-accredited.

ADP also has a substantial presence in New Jersey, including its Roseland headquarters.

Best for:

• 50–200 employees
• Multi-state employers
• Companies expecting to keep growing
• Companies that prioritize benefits breadth and payroll infrastructure
• CFO/finance-led buying decisions

Downside: It can feel more corporate/process-driven than a smaller regional PEO.

4\. TriNet — best for specialized industries

6\. Oasis, a Paychex Company — worth considering for traditional HR outsourcing

★ 2.4 · Human resource consulting · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=TriNet%2C640%205th%20Ave%2019th%20floor%2C%20New%20York%2C%20NY%2010019%2C%20United%20States) [Website](https://www.trinet.com/locations/ny-new-york?utm_source=chatgpt.com) [Call](tel:+1 888-874-6388)

TriNet is worth serious consideration if you're in technology, professional services, financial services, life sciences or another industry where benefits and HR practices need to reflect the workforce you're competing for.

Its PEO offering is particularly geared toward industry-specific solutions, and third-party 2026 comparisons put its sweet spot around 50–250 employees, although it can serve smaller companies.

Best for:

• Tech and professional services
• Life sciences/biotech
• Financial services
• Companies competing for specialized talent
• 50–200 employees

Downside: Less pricing transparency, and I'd scrutinize the service model carefully during references.

5\. Justworks — best for smaller companies and transparent pricing

★ 3.2 · Software company · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=Justworks%2C55%20Water%20St%20Fl%2029%2C%20New%20York%2C%20NY%2010041%2C%20United%20States) [Website](https://www.justworks.com/?utm_source=chatgpt.com) [Call](tel:+1 888-534-1711)

For 10–50 employees, Justworks is one of the easiest providers to evaluate because it actually publishes its PEO pricing.

As of 2026, Justworks lists $79/employee/month for PEO Basic and $124/employee/month for PEO Plus, with no base fee. Plus adds medical, dental and vision administration and other benefits functionality.

For example, at 20 employees, the published PEO fee alone is approximately:

• Basic: $1,580/month
• Plus: $2,480/month

That's before considering the actual insurance premiums and other applicable costs.

Best for:

• 10–50 employees
• Startups
• Simple organizational structures
• Companies that don't need a highly customized HR function
• Buyers who value predictable pricing and a modern interface

Downside: At 100–200 employees, I'd generally compare it against the more full-service providers rather than assuming it's the best value.

6\. Oasis, a Paychex Company — worth considering for traditional HR outsourcing

Employment Agencies · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=Oasis%2C%20a%20Paychex%20Company%2C110%20Fieldcrest%20Ave%2C%20Fl%201%20Ste%203%2C%20Edison%2C%20NJ%2008837) [Website](https://www.oasisadvantage.com?utm_source=chatgpt.com) [Call](tel:+18668569551)

Oasis is now part of Paychex and has a New Jersey office in Edison. Its offering combines payroll, HR consulting, benefits, compliance and risk management, with dedicated HR and payroll contacts.

Best for:

• Traditional small/midsize businesses
• Companies wanting payroll + HR + benefits + risk management
• Employers that prefer a more established, conventional HR outsourcing relationship
• 25–200 employees

I'd especially compare it against ExtensisHR and Insperity if service/support is more important than having the slickest technology platform.

One more NJ option: Engage PEO is worth getting a quote from if you want a smaller/more relationship-oriented alternative to ADP or Paychex. Engage has been actively expanding its New Jersey sales presence in 2026 and specifically describes its target market as small and midsize employers.

How I'd narrow it down by headcount

10–25 employees

1. Justworks
2. ExtensisHR
3. Paychex/Oasis
4. Insperity

25–75 employees

1. ExtensisHR
2. Insperity
3. Justworks
4. TriNet
5. ADP TotalSource

75–200 employees

1. ExtensisHR
2. Insperity
3. ADP TotalSource
4. TriNet
5. Paychex/Oasis

For 100–200 employees, I'd lean away from choosing purely on payroll software. At that size, the quality of the HR advisor, employee-relations support, benefits renewal process, workers' comp/risk team, compliance guidance and escalation process can matter considerably more than whether the payroll screen is slightly better.

My practical recommendation

If this were my RFP, I'd request proposals from four providers:

• ExtensisHR — NJ/regional, high-touch benchmark
• Insperity — outsourced-HR benchmark
• ADP TotalSource — large-scale/multi-state benchmark
• TriNet — industry/benefits benchmark

For a company under ~40 employees, I'd add Justworks because its transparent pricing makes it an excellent price/feature benchmark.

And don't compare just the headline PEO fee. Ask every provider to quote the same employee census and same benefits, then compare:

1. PEO/administrative fee per employee
2. Health-plan premiums and employer contribution
3. Workers' comp rates
4. Payroll taxes and state assessments
5. 401(k) fees
6. Implementation fees
7. Contract length and termination terms
8. Renewal methodology
9. Named HR support and response-time commitments
10. Who handles NJ-specific leave, disability, unemployment and wage/hour issues

That last group can make a surprisingly large difference in the real cost of a PEO.

If you tell me your approximate employee count, industry, whether employees are only in NJ or multi-state, and whether you already have health insurance, I can narrow this to the 3 best providers and give you a side-by-side cost/feature/RFP comparison.

Places ChatGPT showed

• ExtensisHR · 4.1★ · Human resource consulting
• Cornerstone PEO · 4.6★ · Payroll service
• NEMR Total HR - National Employee Management Resources · 4.1★ · Human resource consulting

If employee benefits are your #1 criterion, I’d put ADP TotalSource, TriNet, Justworks, and Insperity at the top of the New Jersey shortlist. The best choice depends heavily on your headcount and whether you care more about health-plan choice, ancillary benefits, retirement, or high-touch HR support.

My New Jersey shortlist

PEO	Benefits strength	Best fit
ADP TotalSource	⭐⭐⭐⭐⭐	Broadest overall benefits + large carrier network
TriNet	⭐⭐⭐⭐⭐	Excellent medical-plan choice and industry-specific benefits
Justworks	⭐⭐⭐⭐½	Small companies wanting strong benefits + simple technology
Insperity	⭐⭐⭐⭐½	Companies wanting benefits plus hands-on HR support
Paychex PEO	⭐⭐⭐⭐	Companies wanting benefits + payroll/risk-management depth
ExtensisHR	⭐⭐⭐⭐	NJ/Northeast employers wanting a more regional, high-touch provider

1\. ADP TotalSource — best overall

This would be my first quote for a New Jersey company primarily shopping for benefits.

ADP says TotalSource offers medical, dental, vision, 401(k), HSA/FSA, disability, life, accident, critical illness, EAP, pet wellness and other voluntary benefits. Its PEO has access to a large pool of worksite employees, which can give smaller employers access to benefits typically associated with larger companies.

It's particularly attractive if you have employees in multiple states. ADP is headquartered in Roseland, New Jersey, and TotalSource is both IRS-certified and ESAC-accredited.

Best for: 20–500+ employees, multi-state companies, employers wanting a very broad benefits menu.

• * *

2\. TriNet — best for health-plan choice

TriNet is probably the strongest alternative if your primary concern is giving employees good medical-plan choices.

TriNet says its PEO provides access to a range of leading medical, dental and vision carriers and plans, along with a fully managed 401(k) and benefits administration. It also offers benefits comparison and personalized health-plan assistance.

Independent 2026 comparisons also consistently put TriNet near the top for benefits and industry-specific PEO solutions.

Best for: Professional services, technology, healthcare and other industries where recruiting with a strong benefits package matters.

• * *

3\. Justworks — best for smaller NJ employers

Justworks is particularly compelling if you're under ~50 employees and don't want the complexity of a traditional enterprise PEO.

Its Plus plan includes medical, dental and vision, HSA/FSA, while its broader benefits offering includes 401(k), mental-health services, primary care, healthcare navigation, family-building benefits and supplemental insurance. Benefits vary by location and carrier, so you'll want to verify the specific NJ plans available to you.

Justworks also has unusually transparent pricing compared with traditional PEOs.

Best for: Startups and companies with roughly 2–50 employees that want strong benefits without a cumbersome PEO experience.

• * *

4\. Insperity — best for benefits + HR expertise

Insperity is worth considering if you're looking for more than insurance. Its strength is combining benefits with hands-on HR support, compliance, risk management and employee administration.

It tends to make more sense as your company gets larger and HR issues become more complicated. Independent 2026 comparisons continue to position Insperity as a strong mid-market PEO.

Best for: 25–500+ employees that want a human-heavy HR relationship rather than primarily software.

• * *

5\. Paychex PEO — strong all-around alternative

Paychex is a particularly logical candidate if you're already using Paychex payroll. Its PEO combines benefits, payroll, HR and workers' compensation, and it has a substantial national infrastructure.

Best for: Employers already in the Paychex ecosystem or companies wanting strong payroll/risk-management capabilities alongside benefits.

• * *

A NJ-specific option worth looking at

ExtensisHR is headquartered in Iselin, NJ and offers PEO and HRO services. I'd include it in a quote comparison if local/regional service and a high-touch relationship are important to you.

There are also smaller NJ-oriented providers such as Cornerstone PEO and NEMR Total HR that may be worth considering if personalized service is more important than the enormous national benefits pool.

My ranking specifically for employee benefits

If I were sending out three RFPs today, I'd start with:

1. ADP TotalSource — best combination of benefits breadth, carrier access and scale.
2. TriNet — particularly strong if medical-plan selection is the priority.
3. Justworks — excellent option for a smaller company, especially if simplicity and cost matter.
4. Insperity — move this to #2 or #3 if hands-on HR support is as important as benefits.
5. Paychex PEO — strong alternative, particularly for existing Paychex customers.

One important caveat: the "best benefits" aren't necessarily the benefits with the most carriers. For a New Jersey employer, I'd compare the actual quotes side-by-side—employee premium contributions, deductibles, out-of-pocket maximums, NJ provider networks, prescription coverage, employer 401(k) fees/match options, dental/vision, and whether your employees' current doctors are in-network. PEO health-plan availability can vary by location and carrier.

If you tell me your employee count (e.g., 10, 50, 100), industry, and whether employees are only in NJ or in multiple states, I can narrow this to the best 3 PEOs and compare their likely benefits, pricing structure, and pros/cons for your company.

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Places ChatGPT showed

• ExtensisHR · 4.1★ · Human resource consulting
• Workplace HCM Inc. · 4.9★ · Payroll service
• Cornerstone PEO · 4.6★ · Payroll service
• PayDay Employer Solutions · 4.9★ · Payroll service

If your priority is payroll accuracy + New Jersey compliance, I’d put the strongest options into three tiers: national PEOs with deep compliance infrastructure, NJ-based HR outsourcers, and payroll-first providers.

My shortlist

Provider	Best for	Payroll	Compliance/HR	NJ presence
ADP TotalSource	Best overall / multi-state	★★★★★	★★★★★	Strong
TriNet	Industry-specific HR support	★★★★★	★★★★★	Serves NJ
Insperity	High-touch HR outsourcing	★★★★½	★★★★★	Serves NJ
ExtensisHR	NJ-based PEO/HRO	★★★★½	★★★★★	NJ HQ
Workplace HCM Inc.	SMBs wanting personal service	★★★★½	★★★★½	NJ HQ
Cornerstone PEO	Boutique PEO	★★★★	★★★★½	NJ HQ
PayDay Employer Solutions	Payroll-first, hands-on service	★★★★★	★★★★	NJ HQ

1\. ADP TotalSource — best overall

I'd start here if you have multiple states, 25+ employees, or complicated payroll/compliance requirements. TotalSource combines payroll, tax administration, benefits, workers' comp, HR and compliance, and is both IRS-certified and ESAC-accredited. It supports payroll and compliance across all 50 states.

Best fit: growing NJ employer that doesn't want to worry about state-by-state payroll infrastructure.

2\. TriNet — best for specialized HR/compliance

TriNet is particularly attractive if your business operates in a regulated or specialized industry. Its PEO handles payroll processing, payroll-tax compliance, benefits, workers' comp and ongoing HR compliance; it also offers an ASO/HR Plus model if you don't want a co-employment relationship.

Best fit: companies that want substantial HR expertise rather than merely payroll software.

3\. ExtensisHR — best NJ-based option

ExtensisHR

★ 4.1 · Human resource consulting · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=ExtensisHR%2C485%20US-1%20Bldg%20E%2C%20Iselin%2C%20NJ%2008830%2C%20United%20States) [Website](https://www.extensishr.com/?utm_source=chatgpt.com) [Call](tel:+1 888-473-6398)

This is one I'd definitely include in an RFP if you specifically want a New Jersey-based relationship. It offers both PEO and HRO models, including payroll, benefits, compliance and risk support. Its Northeast headquarters are in Iselin.

Best fit: NJ/NY-area SMB or midsize company that values a regional provider and hands-on service.

4\. Insperity — best high-touch HR model

Insperity is a strong choice when payroll is only part of the problem. Its differentiator is the depth of HR support around payroll—employee relations, compliance, benefits, performance management and organizational support. Independent comparisons also consistently place it among the stronger choices for midsize companies and high-touch HR service.

Best fit: 25–500 employees with little internal HR infrastructure.

5\. Workplace HCM — worth considering for an NJ SMB

Workplace HCM Inc.

★ 4.9 · Payroll service · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=Workplace%20HCM%20Inc.%2COne%20Greentree%20Centre%2C%2010000%20Lincoln%20Dr%20E%20Ste%20303%2C%20Marlton%2C%20NJ%2008053%2C%20United%20States) [Website](https://workplacehcm.com/?utm_source=chatgpt.com) [Call](tel:+1 856-334-9711)

A more regional alternative, particularly appealing if you want payroll + HRIS + outsourced HR with a relationship-oriented service model. It's based in Marlton and focuses on small and midsize employers.

6\. Cornerstone PEO — boutique alternative

Cornerstone PEO

★ 4.6 · Payroll service · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=Cornerstone%20PEO%2C1%20S%20Main%20St%2C%20Medford%2C%20NJ%2008055%2C%20United%20States) [Website](https://www.cornerstonepeo.com/?utm_source=chatgpt.com) [Call](tel:+1 877-736-9473)

Cornerstone is another NJ-headquartered option. Its offering spans payroll/tax administration, HR guidance, compliance, benefits and workers' compensation/risk management.

Best fit: smaller employers that prefer a boutique PEO rather than a giant national provider.

What I'd choose

• Under ~25 employees: ExtensisHR, Cornerstone, or PayDay; also compare Justworks if simplicity and transparent pricing matter. Justworks currently publishes its PEO pricing and is IRS-certified/ESAC-accredited.
• 25–100 employees: ExtensisHR, TriNet and ADP TotalSource would be my first three quotes.
• 100+ employees: ADP TotalSource, TriNet and Insperity.
• Employees in multiple states: ADP TotalSource gets the edge because of its national payroll/tax infrastructure.
• Strong NJ/local-service preference: ExtensisHR or Workplace HCM.
• You only need payroll/compliance, not co-employment: look at an ASO/HRO arrangement rather than a PEO. TriNet, for example, offers HR Plus specifically for this model.

One important NJ-specific consideration: don't evaluate these solely on advertised payroll processing. Ask each provider who handles NJ withholding, unemployment/disability contributions, local payroll-tax filings where applicable, new-hire reporting, garnishments, W-2s/1099s, tax notices, and changing NJ employment-law requirements. NJ has enough state-specific payroll complexity that the quality of exception and tax-notice handling can matter more than the basic payroll run.

If you tell me your approximate employee count, industry, whether everyone is in NJ or you're multi-state, and whether you want a PEO/co-employment model, I can narrow this to the 3 best providers and what I'd expect each to cost.

Places ChatGPT showed

• ExtensisHR · 4.1★ · Human resource consulting
• Insperity · Professional Services
• XcelHR · Payroll Services
• AdvantEdge HR · 4.9★ · Payroll service
• Consolidated Human Resources · 4.6★ · Human resource consulting
• Liberty Payroll and HR · 3.7★ · Payroll service
• Monarch HR Solutions · 5.0★ · Human resource consulting

If you mean North Jersey broadly—Bergen, Essex, Hudson, Morris, Passaic, Union, and nearby counties—there are several credible options. I’d separate the market into true PEOs and outsourced HR/ASO firms, because they solve somewhat different problems.

My North Jersey shortlist

Provider	North Jersey presence	Best fit	My take
ExtensisHR	Iselin, NJ	SMB/mid-market wanting high-touch PEO/HRO	Best overall local option
Insperity	Florham Park, NJ	25–500+ employees, substantial HR needs	Best established/high-touch PEO
XcelHR	Kearny, NJ	SMBs, multi-state employers	Good value/PEO alternative
AdvantEdge HR	Oakland, NJ	Smaller NJ businesses wanting personal service	Strong local/boutique choice
Consolidated Human Resources	Park Ridge, NJ	SMBs wanting ASO/PEO flexibility	Worth getting a quote
Liberty Payroll and HR	Newark, NJ	Payroll + HR outsourcing	Good local HRO option
Monarch HR Solutions	Glen Rock, NJ	Fractional/outsourced HR	Excellent if you don't need a PEO

1\. ExtensisHR — my first call

ExtensisHR is particularly interesting for North Jersey because its Northeast headquarters is in Iselin, NJ, and it offers both a traditional PEO and an HRO model. Its PEO handles payroll, benefits, workers' comp, compliance and HR support, while its HRO lets you outsource HR/payroll/benefits without necessarily entering the same PEO structure.

It also has some of the credentials I'd want to see when evaluating a PEO: IRS CPEO certification, ESAC accreditation, and SOC 1 Type 2 certification.

Best for: 10–250 employees, particularly if you want a relatively high-touch relationship rather than simply buying payroll software.

2\. Insperity — strongest established/high-touch choice

Insperity has had a Florham Park presence since 2000, so this isn't simply a national PEO selling into New Jersey remotely. Its local offering covers payroll, benefits, HR administration, workers' comp, compliance and dedicated HR support.

Insperity is also one of the larger, established PEOs nationally, and its current offering includes full-service PEO as well as HR outsourcing products.

Best for: companies roughly in the 25–500 employee range that want substantial HR expertise rather than just payroll processing.

Downside: typically less of a boutique/local feel than a smaller North Jersey provider.

3\. XcelHR — good alternative to the big names

XcelHR has a Kearny, NJ office and offers PEO/HR outsourcing, payroll, benefits, compliance and risk-management services. It's particularly worth considering if you have employees in multiple states or need more structured compliance support.

Best for: small and midsize employers that want a full PEO but don't necessarily want to go with ADP/Paychex/Insperity.

4\. AdvantEdge HR — compelling local option

AdvantEdge HR in Oakland, NJ is one I'd put on the quote list if personalized service is important. It offers payroll, benefits, HR/compliance and outsourcing models including ASO/HRO/PEO.

The advantage here is the possibility of getting a more relationship-oriented service model than you'd get from a national provider.

5\. Consolidated Human Resources — particularly interesting if you're unsure about PEO vs. ASO

Consolidated Human Resources in Park Ridge offers both ASO and PEO approaches. That's valuable because you can compare:

• PEO: provider becomes a co-employer and handles a larger portion of HR/employment administration.
• ASO/HRO: you remain the sole employer while outsourcing HR/payroll/benefits administration.

If you're hesitant about the co-employment aspect of a PEO, I'd definitely include them in the comparison.

6\. Monarch HR Solutions — if you really need HR, not a PEO

Monarch HR Solutions in Glen Rock is a different proposition. It's an outsourced/fractional HR firm rather than simply a PEO. That can be preferable if what you actually need is a part-time HR department—employee relations, policies, recruiting, management support, compliance, etc.—while retaining your existing payroll/benefits arrangements.

How I'd narrow it down

If I were running a North Jersey company, I'd probably get three quotes:

1. ExtensisHR — local PEO/HRO benchmark.
2. Insperity — established national PEO benchmark.
3. AdvantEdge HR or Consolidated HR — local-service benchmark.

That gives you a useful comparison between national scale, NJ-based PEO expertise, and boutique service.

One important point: don't choose based simply on the lowest PEPM fee. PEO economics can change substantially based on workers' comp classification, health-plan costs, payroll volume, unemployment claims, employee demographics, and benefits utilization. Current industry comparisons also show that the major PEOs vary considerably in their service model and target company size.

If you tell me (1) number of employees, (2) industry, (3) approximate annual payroll, and (4) whether you need health insurance, I can narrow this to the 3 best providers for your specific company and give you a side-by-side comparison of likely pricing, benefits, workers' comp, HR support, and contract considerations.

Places ChatGPT showed

• Cornerstone PEO · 4.6★ · Payroll service
• Workplace HCM Inc. · 4.9★ · Payroll service
• NEMR Total HR - National Employee Management Resources · 4.1★ · Human resource consulting
• Group Management Services · 4.8★ · Business management consultant
• PayDay Employer Solutions · 4.9★ · Payroll service
• NationalHR · 4.5★ · Health insurance agency
• Humareso · Employment Agencies
• Insperity · Payroll Services

If you mean South Jersey specifically—Camden, Burlington, Gloucester, Atlantic, and nearby counties—I’d put the strongest local options into two groups: true PEOs and outsourced HR/ASO providers.

My South Jersey shortlist

Provider	South Jersey presence	Best for	My take
Cornerstone PEO	Medford	Full-service PEO	Best local PEO to investigate first
Workplace HCM Inc.	Marlton	Payroll + outsourced HR/HCM	Excellent local alternative
NEMR Total HR	Marlton	PEO or ASO	Very interesting if you want flexibility
Group Management Services	Mt. Laurel	PEO/HR outsourcing	Good local/regional option
PayDay Employer Solutions	Bellmawr	Payroll + HR support	Strong boutique/local choice
NationalHR	Cherry Hill	Benefits + HR	Best if benefits are a major priority
Humareso	Cherry Hill	Outsourced HR, not traditional PEO	Good if you want HR help without co-employment
Insperity	Philadelphia / serves region	High-touch national PEO	Best larger national benchmark
ADP TotalSource	Regional coverage	Payroll + PEO at scale	Best for sophisticated/multistate operations
TriNet	Regional coverage	Industry-specific PEO	Worth quoting alongside ADP/Insperity

Cornerstone is particularly notable because it is actually based in Medford and explicitly provides payroll, HR, workers' compensation and employee benefits as a PEO.

The three I'd call first

1\. Cornerstone PEO — best local PEO

Cornerstone PEO

★ 4.6 · Payroll service · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=Cornerstone%20PEO%2C1%20S%20Main%20St%2C%20Medford%2C%20NJ%2008055%2C%20United%20States) [Website](https://www.cornerstonepeo.com/?utm_source=chatgpt.com) [Call](tel:+1 877-736-9473)

For a South Jersey company that wants a genuinely local relationship, this would be my first call. It's headquartered in Medford and offers the classic PEO bundle: payroll, HR, benefits and workers' comp.

2\. NEMR Total HR — best PEO vs. ASO flexibility

NEMR Total HR

★ 4.1 · Human resource consulting · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=NEMR%20Total%20HR%20-%20National%20Employee%20Management%20Resources%2C4-A%20Eves%20Dr%20%23108%2C%20Marlton%2C%20NJ%2008053%2C%20United%20States) [Website](http://www.nemrhr.com/?utm_source=chatgpt.com) [Call](tel:+1 856-642-9500)

This one is especially interesting because it offers both PEO and ASO arrangements. That's important: with an ASO, you can outsource HR administration while retaining your own employer relationship rather than entering a co-employment arrangement.

3\. Workplace HCM — best local HR/payroll hybrid

Workplace HCM Inc.

★ 4.9 · Payroll service · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=Workplace%20HCM%20Inc.%2COne%20Greentree%20Centre%2C%2010000%20Lincoln%20Dr%20E%20Ste%20303%2C%20Marlton%2C%20NJ%2008053%2C%20United%20States) [Website](https://workplacehcm.com/?utm_source=chatgpt.com) [Call](tel:+1 856-334-9711)

Marlton-based and focused on small/midsize employers, with outsourced HR, payroll, HRIS and related services. It's worth considering if you don't necessarily need a traditional PEO.

Don't overlook the national players

For comparison, I'd get quotes from at least one of the big national PEOs:

• ADP TotalSource — particularly strong for payroll, benefits, compliance and companies with employees in multiple states. ADP describes TotalSource as combining payroll, benefits, HR, compliance, time tracking, onboarding and talent management.
• Insperity — particularly attractive if you want a high-touch HR relationship and access to dedicated HR expertise. Current industry comparisons put it toward the premium/high-service end of the PEO market.
• TriNet — worth a serious look for companies in industries where its specialized HR/benefits programs are advantageous.
• Paychex PEO — a sensible comparison if you're already using Paychex or want a payroll-centric provider.
• Justworks — particularly compelling for smaller/simple organizations because it publishes PEO pricing, unlike most large competitors.

One important distinction

I'd not automatically choose a PEO.

If your main problems are:

• payroll administration
• employee onboarding
• handbook/policies
• employment-law compliance
• recruiting
• employee relations
• benefits administration

…but you don't need access to a PEO's benefits/risk structure, an ASO/HRO arrangement can give you HR expertise while leaving your company as the employer of record.

That's why I'd compare Cornerstone + NEMR + Workplace HCM against ADP/Insperity/TriNet, rather than getting three PEO quotes that all have essentially the same structure.

If you tell me your employee count, industry, approximate annual payroll, and whether you're currently using a PEO/payroll provider, I can narrow this to the best 3 South Jersey providers for your company and give you a side-by-side comparison of likely costs, benefits, workers' comp, HR support, and contract considerations.

Places ChatGPT showed

• ExtensisHR · 4.1★ · Human resource consulting
• Cornerstone PEO · 4.6★ · Payroll service
• Group Management Services · 4.8★ · Business management consultant
• Monarch HR Solutions · 5.0★ · Human resource consulting
• EnformHR, LLC · 5.0★ · Human resource consulting
• Consolidated Human Resources · 4.6★ · Human resource consulting

If by “best value” you mean the best combination of total cost, HR support, benefits, compliance coverage, and service quality—not simply the lowest monthly fee—I'd put these NJ options at the top of the list.

My NJ shortlist

Provider	Best value for	Cost posture	Why I'd consider it
ExtensisHR	NJ small/midsize businesses wanting high-touch service	Quote	Best overall NJ value
Cornerstone PEO	Smaller NJ employers, trades/service businesses	Quote	Local, industry-oriented service
Group Management Services	SMBs in South Jersey / Philly region	Quote	Strong full-service PEO model
Justworks	Small companies prioritizing predictable pricing	Published PEPM	Easiest to comparison-shop
Paychex PEO	SMBs wanting payroll + HR under one roof	Quote	Good balance of breadth and scale
TriNet	Professional/tech/life-sciences companies	Quote	Strong industry-specific benefits/HR
Insperity	50–200+ employees needing substantial HR guidance	Quote	Excellent service, but usually not the cheapest
ADP TotalSource	Multi-state or more complex employers	Quote	Excellent infrastructure, but premium-priced

1\. Best overall value: ExtensisHR

I'd put ExtensisHR first for a New Jersey employer that actually wants an HR partner, rather than simply payroll software.

It's headquartered in Iselin, NJ and offers both PEO and HRO models. Its PEO bundles payroll/tax, benefits, workers' comp, compliance, recruiting and HR consulting, with a dedicated service team. It is also IRS CPEO-certified and ESAC-accredited.

The particularly useful feature is that you don't necessarily have to give up co-employment if you don't want it: its HRO offering lets you outsource HR/payroll/benefits while remaining the employer of record.

My take: If you're in NJ and expect to have 20–200 employees, I'd get an ExtensisHR quote before making a decision.

2\. Best for price transparency: Justworks

Justworks is particularly attractive if you're a smaller employer and don't want to spend weeks negotiating a PEO contract.

Current published pricing is approximately $79/employee/month for PEO Basic and $124/employee/month for PEO Plus, although you should verify the current quote before relying on those numbers.

That makes it unusually easy to calculate your administrative cost:

• 10 employees: roughly $790–$1,240/month
• 25 employees: roughly $1,975–$3,100/month
• 50 employees: roughly $3,950–$6,200/month

Those figures are administrative fees, not your complete employer cost; benefits, workers' comp and payroll taxes need to be evaluated separately.

My take: Probably the strongest value for a 5–25 person startup or straightforward professional-services company.

3\. Best local alternative: Cornerstone PEO

Cornerstone PEO is headquartered in Medford, NJ and focuses on small-to-midsize employers. Its industry coverage includes construction/trades, security, staffing, healthcare, hospitality, professional services and agriculture.

That's worth considering if your business has a workforce that isn't a straightforward office environment. A smaller PEO can sometimes beat a national provider on workers' comp/risk-management economics and personal service.

4\. Best for an established SMB: Paychex PEO

Paychex is a strong middle-ground choice. It provides PEO services but also has an ASO option, meaning you can outsource HR/payroll administration without entering a co-employment relationship. That's valuable if you want flexibility around the PEO model.

I'd particularly price Paychex against ExtensisHR if you have 25–150 employees.

5\. Best for specialized industries: TriNet

TriNet is worth a quote if you're in technology, financial services, life sciences, professional services or another industry where benefits and HR practices need to be tailored.

It tends to make more sense as you get into the mid-market rather than choosing it simply because it's a recognizable PEO brand. Current comparisons characterize TriNet's strength as industry-specific programs, while pricing is quote-based.

6\. Best for high-touch HR: Insperity

Insperity is one I'd put on the bid list if you have 50–200 employees and don't have a strong internal HR department.

Its advantage is the depth of HR support and dedicated service model. The tradeoff is that it's generally a premium PEO rather than a lowest-cost provider.

7\. Best for multi-state complexity: ADP TotalSource

ADP TotalSource makes the most sense when New Jersey is only one part of the picture. It combines payroll, benefits, workers' comp, compliance and HR expertise and is both IRS-certified and ESAC-accredited.

The downside is that you're generally paying for scale and infrastructure, so a 10-person NJ-only company may get better value elsewhere.

What I'd do if I were shopping in NJ

I'd request four comparable proposals:

1. ExtensisHR — my benchmark for overall value/service.
2. Justworks — my low-cost/transparency benchmark.
3. Paychex PEO — my national mid-market benchmark.
4. Insperity or TriNet — depending on your industry and headcount.

Then compare total annual cost, not the quoted PEO fee. Specifically ask each provider to break out:

• PEO administrative fee
• Medical/dental/vision premiums
• Workers' comp premium and markup
• NJ unemployment costs
• NJ temporary disability/family-leave costs
• Payroll/tax fees
• 401(k) fees
• Implementation fees
• Renewal increases/caps
• Cancellation/termination fees
• Minimum employee requirements
• Whether you can keep your existing benefits broker
• Whether they offer an ASO/HRO alternative

That's important because a provider that is $20/employee/month cheaper can easily become more expensive overall if its health-plan rates or workers' comp pricing are worse.

One more NJ-specific option

If you don't actually need a PEO, I'd also look at NJ-based outsourced HR firms such as Monarch HR Solutions or EnformHR, LLC. They can provide fractional/outsourced HR without necessarily putting you into a PEO co-employment structure. Consolidated Human Resources is another NJ provider offering ASO/PEO approaches.

Bottom line: For most NJ SMBs, I'd start with ExtensisHR, Justworks and Paychex, then add Insperity/TriNet if you're larger or have more sophisticated HR needs. For a very small company, Justworks is probably the value leader; for a 25–200 employee NJ company, ExtensisHR is the one I'd most want to price against the national providers.

If you tell me your employee count, industry, approximate annual payroll, and whether you're currently using a PEO, I can narrow this to the 3 providers most likely to give you the lowest total cost and show you what I'd negotiate in each proposal.

Places ChatGPT showed

• Cornerstone PEO · 4.6★ · Payroll service
• Abel HR · 3.4★ · Human resource consulting
• BMA Payroll · 5.0★ · Payroll service
• Payrolling Partners, Inc. · 3.7★ · Payroll service
• Workplace HCM Inc. · 4.9★ · Payroll service
• Consolidated Human Resources · 4.6★ · Human resource consulting
• AdvantEdge HR · 4.9★ · Payroll service
• EnformHR, LLC · 5.0★ · Human resource consulting

Yes. If your priority is family-owned/local ownership + a reputation for taking care of small businesses, I’d put a relatively short list at the top of your NJ search.

One important distinction: some firms are true PEOs (co-employment, benefits, workers’ comp, payroll, HR, etc.), while others are HR/payroll outsourcing firms that let you remain the sole employer. I’d compare both, because a PEO isn't automatically the best choice for a small company.

My NJ shortlist

1\. Cornerstone PEO — best local/family-owned PEO fit

★ 4.6 · Payroll service · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=Cornerstone%20PEO%2C1%20S%20Main%20St%2C%20Medford%2C%20NJ%2008055%2C%20United%20States) [Website](https://www.cornerstonepeo.com/?utm_source=chatgpt.com) [Call](tel:+1 877-736-9473)

This is probably the first company I'd investigate if you specifically want a locally owned PEO.

Cornerstone is based in Medford and explicitly describes itself as a local family-owned company. Its PEO offering covers payroll, HR, workers' compensation insurance and employee benefits.

Its local business profile currently shows 4.6/5 from 22 reviews, which is a meaningful amount of local-review evidence for a relatively small provider.

Best for: NJ small businesses that want a genuine local relationship rather than a national PEO call center.

• * *

2\. Abel HR — best-established family-owned PEO

★ 3.4 · Human resource consulting · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=Abel%20HR%2C2%20Corporate%20Dr%2C%20Cranbury%2C%20NJ%2008512%2C%20United%20States) [Website](https://www.abelhr.com/?utm_source=chatgpt.com) [Call](tel:+1 800-400-1968)

Abel HR is one of the more interesting NJ choices. It has been family-owned and operated since 1992 and provides the full PEO package: HR administration/compliance, benefits, payroll/taxes, workers' comp, safety, training and ACA compliance.

There is unusually strong evidence of long-term client relationships: Abel publishes testimonials from businesses that have been clients for 10, 17, 25+ years, including a family-owned business that says Abel has been part of its operation since 1993.

There is, however, a caveat I'd take seriously: third-party review sites contain some recently negative reviews, so I'd interview them carefully rather than assuming the long history means everything is perfect.

Best for: established small/midsize businesses wanting a traditional, relationship-driven PEO.

• * *

3\. BMA Payroll — best for very small businesses that don't necessarily need a PEO

★ 5.0 · Payroll service · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=BMA%20Payroll%2C760%20Vanessa%20Ln%2C%20Branchburg%2C%20NJ%2008853%2C%20United%20States) [Website](https://bmapayroll.com/?utm_source=chatgpt.com) [Call](tel:+1 908-369-6843)

BMA is particularly compelling if you're under 50 employees and mainly need payroll, tax compliance and some HR administration rather than full PEO co-employment.

BMA says it is family-owned, has served businesses since 1977, and specifically limits its focus to small businesses with 1–49 employees. It emphasizes direct human support rather than a call center.

Its local profile shows 5.0/5 from 104 reviews, which is stronger local-review evidence than many of the boutique providers I found.

The important caveat: BMA is primarily a payroll provider, not a full PEO. It doesn't make sense to choose it if you're looking for someone to assume the broader PEO responsibilities around benefits, workers' comp and co-employment.

Best for: 1–49 employees, especially owners who want payroll handled correctly without buying a giant HR platform.

• * *

4\. Payrolling Partners Inc. — strong relationship-oriented alternative

★ 3.7 · Payroll service · Closed

[Directions](https://www.google.com/maps/dir/?api=1&destination=Payrolling%20Partners%20Inc.%2C777%20Passaic%20Ave%2C%20Clifton%2C%20NJ%2007012%2C%20United%20States) [Website](http://payrollingpartners.com/?utm_source=chatgpt.com) [Call](tel:+1 973-458-0411)

PPI has been operating since 1988 and provides HR/admin support to small and midsize businesses. It also offers PEO services.

What caught my attention is the depth of its customer testimonials. One NJ client describes nine years of personal service and proactive payroll/HR advice; another NJ client says PPI allows them to focus on running the agency while PPI handles payroll and HR.

I would put it on the shortlist if service responsiveness and having an actual human partner matter more to you than having the slickest national technology platform.

Best for: small businesses wanting a long-term outsourced back-office partner.

• * *

A few other NJ firms worth considering

• Workplace HCM — Marlton-based, with a strong local review footprint (4.9/5, 102 reviews) and a combination of payroll, HR outsourcing and HCM technology. It's worth a look if you're in South Jersey. Workplace HCM Inc.
• Consolidated Human Resources (CHR) — Park Ridge-based HR outsourcing/payroll/benefits provider with 4.6/5 from 19 reviews. Particularly interesting for an owner who wants someone to act as an outsourced HR department rather than strictly a payroll vendor. Consolidated Human Resources
• AdvantEdge HR — Oakland-based, 4.9/5 from 59 reviews, combining payroll, benefits and HR/compliance support. Founder-led/local feel, although I wouldn't classify it as a classic family-owned PEO based on the evidence I found. AdvantEdge HR
• EnformHR — Holmdel-based outsourced/fractional HR firm, particularly appropriate if you need HR leadership and compliance help but don't actually want a PEO. Its local profile shows 5.0/5, though only four reviews, so I'd give that rating less weight. EnformHR, LLC

How I'd narrow it down

If you are...	I'd start with
1–25 employees	BMA Payroll, Cornerstone
25–100 employees	Cornerstone, Abel HR, PPI
Want a true PEO	Cornerstone, Abel HR, PPI
Want to keep your own employer relationship	BMA, CHR, EnformHR
Want the most family-owned/local feel	Cornerstone, Abel HR, BMA
Want lots of local customer-review evidence	BMA, Workplace HCM, AdvantEdge
South Jersey	Cornerstone, Workplace HCM
Central/North Jersey	Abel HR, BMA, PPI

My top 3

If I were a NJ small-business owner shopping today, I'd request proposals from:

1. Cornerstone PEO — strongest match to locally owned + family-owned + actual PEO.
2. Abel HR — strongest combination of family ownership and long-term PEO experience, but I'd scrutinize current service reviews.
3. BMA Payroll — if you're small enough that a full PEO is overkill; its 1–49 employee focus and local reputation are particularly compelling.

One thing I'd not do is choose solely on PEO price. Ask each provider for the all-in cost including payroll fees, PEO administrative fees, workers' comp, benefits, implementation, state filings and termination/cancellation costs. A seemingly cheaper PEO can become considerably more expensive once those pieces are included.

If you tell me your employee count, industry, NJ county, and whether you want a true PEO or just outsourced HR/payroll, I can narrow this to the 3 best fits and compare their pricing model, reviews, benefits, workers' comp, HR support, and contract terms.