The data-armed PEO brokerage
You’re overpaying your PEO. We can prove it.
We track 278 PEOs nationwide and read the government filings behind them. Find out what you should be paying before your renewal letter decides for you.
A 20-minute call with Lucas. Free. No obligation. We only get paid when you save.
The blind renewal
Your PEO's increase letter is written months before you see it.
PEO agreements auto-renew. The letter lands after the number is set, priced on your claims year and timed after your leverage has peaked. Miss your notice date and your next real chance may be a year out. The house wins because the house owns the clock.
The Crestone Ledger
We watch the whole board. Then we move first.
Crestone runs a live intelligence system across 278 PEOs: federal Form 5500 rosters, state workers' comp files, filed cost trends, and every verified renewal calendar in the market. We know which PEOs are growing, which are bleeding clients, and what companies your size actually pay. When your window opens, we walk in with the market in hand.
Summit Window
Your renewal clock, tracked and armed. Every PEO's plan year and increase-letter season, with your countdown on top.
Bleed Index
Which PEOs are losing their books, live. A bleeding book means the remaining clients pay for the wound.
Route Finder
Matched on fit and price across thousands of data points per PEO. It does not see who pays the biggest commission.
How it works
Three moves. Six weeks. Zero dollars from you.
The audit
Send one invoice. We benchmark every line against the market and your peers, then hand you the number: what you pay, what you should pay.
The shop
We take your book to the PEOs that actually fit, timed to your leverage window. They bid knowing you can see the board.
The move, or the raise
Switch on a Descent Plan with zero termination surprises, or stay and use our number to beat your renewal down. Either way you win. We only get paid in the first case, and we are fine with that.
A 20-minute call with Lucas. Free. No obligation. We only get paid when you save.
Run your number
Run your number right now.
Your health spend per employee against small-company benchmarks, plus the admin-fee re-shop. Thirty seconds, no email required.
What you pay, not what employees contribute: your annual company health line divided by employees enrolled. Small-company median runs $9,500 to $11,500. Most owners have never computed this number. Their PEO has.
Not sure? Most PEOs land between $40 and $160. If yours is bundled into one number, that is part of the problem.
Your estimated annual recovery band
Above market$90,300 – $180,500
up to $2,410 per employee, every year
You are paying above the small-company median band. This is where re-shops find real money. Bands come from published small-company benchmarks and documented re-shop outcomes, not a promise. Anyone who quotes you a single number without your invoice is guessing.
Doing nothing is not free. At the 9.5 percent trend projected for 2026, this health bill grows about $85,500 next year on its own.
TriNet renews January 1. Their increase letters land October through December. Your leverage peaks 60 to 120 days before renewal. Start now and the math is on your side.
A 20-minute call with Lucas. Free. No obligation. We only get paid when you save.
The questions everyone asks. Straight answers.
Is this really free?
Yes. You never write us a check. The PEO that earns your business pays us a share of its admin fee. Your rate is the same with or without us. If we cannot beat your current deal, you pay nothing and keep your leverage report.
Are you biased toward whoever pays you most?
Commissions in this market run a narrow band, and we disclose the model on every page. Our matching runs on fit and price, not payout. And our whole business is the recheck: if we park you somewhere bad, we lose you at the next renewal and everyone knows why.
Why not just negotiate directly with my PEO?
You can. You will be negotiating against people who reprice hundreds of contracts a year, without knowing what companies like yours pay. We walk in with the market in hand. Your PEO behaves differently when it knows you can see the board.
Is switching painful?
Switching blind is painful. Switching on a Descent Plan is a six-week checklist: we time the notice window, carry your census, look for coverage that matches what you have now, and, where both PEOs are IRS-certified, carry your payroll-tax wage bases forward. Your employees notice a better plan, not a move.
Will we stay compliant through a switch?
Yes. Timing is the whole trick: certified-PEO to certified-PEO moves carry successor tax treatment, benefits transfer on plan boundaries, and workers' comp never gaps. This is the part we are most paranoid about, on purpose.
We just renewed.
Then your leverage is twelve months out and the clock is already running. Get on Summit Window now and next year your renewal letter surprises them, not you.
Your renewal window is closing whether you look or not.
Twenty minutes. Bring one invoice. Leave with your number and your date.
A 20-minute call with Lucas. Free. No obligation. We only get paid when you save.