The Buoy Benefits Plan Pricing

Buoy is designed for businesses, contractors and self-employed professionals who need comprehensive support to manage HR, benefits and compliance. Our solutions are built to empower you with the tools and services needed to succeed, no matter your industry or business size.

What the administrative fee covers, and what it does not

Your per-employee monthly fee covers payroll and tax administration, HR support, platform access, workers' compensation infrastructure and Buoy CHAMP.

Insurance premiums are billed separately. That includes major medical, dental and vision, life and disability, voluntary benefits, and workers' compensation.

Your own employer tax obligations and any retirement contributions you choose to make are separate again.

Two of those three you carry today. Workers' compensation is required by law in nearly every state, and your employer tax obligations are already yours. They are not new costs; they move with you.

Some services are billed separately, including off-cycle payroll runs, W-2 and 1099 processing, time and attendance, and employment practices liability coverage. Your proposal lists the ones that apply to you.

  • Out-of-cycle payroll$50, plus $10 per check
  • 1099 processing$30 per check
  • W-2 processing$6 per W-2
  • Time and attendance$3.00 per employee per month
  • Employment practices liability coverage$2.00 per employee per month
  • State unemployment tax administrationthe rate depends on how many states you report in
  • Deliverycharged on the current delivery schedule

Your proposal sets out your final costs.

Standard

The Standard plan provides your entire team with access to essential services and resources, designed to streamline your payroll processing and HR support while offering valuable perks and benefits. This plan includes a variety of core services and allows your team to elect additional benefits that suit your needs.

A single payment for your entire team
$59/per month
$49/per month
per first 50 members
per additional members
What’s Included
  • PAYROLL PROCESSING
  • 1099 CONTRACTOR PAYMENTS
  • TAX REPORTING & COMPLIANCE
  • HR SUPPORT
  • PLATFORM ACCESS
  • BUOY CHAMP
What’s Electable
  • VOLUNTARY BENEFITS
  • Voluntary Life: Basic and supplemental life coverage available to elect.

Workers' compensation — required

Workers' compensation coverage is required by law in nearly every state, and your Buoy PEO arranges it. The premium is not part of the administrative fee. It is calculated on your actual payroll each pay period, so you pay against real wages rather than a projection, and your proposal sets out the rate that applies to your business.

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Premier

The Premier plan offers an expanded range of services for teams seeking more comprehensive coverage. In addition to all the features in the Standard plan, this plan includes additional protections, such as identity theft protection and COBRA administration. The Premier plan also abroader selection of electable benefits, providing your team with enhanced security and well-being.

Designed for: Employers that want the full PEO foundation plus access to true group medical, dental, and vision options where available.

A single payment for your entire team
$99/per month
$89/per month
per first 50 members
per additional members
What’s Included
  • EVERYTHING IN STANDARD
  • COBRA ADMINISTRATION
What’s Electable
  • EVERYTHING IN STANDARD
  • MEDICAL, DENTAL, VISION
  • Legal Insurance: Access to licensed attorneys for personal matters including estate planning, family law, real estate and identity theft resolution.

Workers' compensation — required

Workers' compensation coverage is required by law in nearly every state, and your Buoy PEO arranges it. The premium is not part of the administrative fee. It is calculated on your actual payroll each pay period, so you pay against real wages rather than a projection, and your proposal sets out the rate that applies to your business.

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Gig PEO (1099 Contractors & Independent Professionals)

Designed for: Eligible independent business owners using the Gig PEO pathway.

Buoy CHAMP is included in the Gig PEO. You enroll in it when you join.

Buoy CHAMP is a Minimum Essential Coverage plan offered under a Section 125 arrangement. It is not major medical coverage and it is not a replacement for a major medical plan.

Covered by your fee
Payroll and tax administration. Platform access. HR support. Access to group-level medical, dental and vision options where eligible.

Billed separately
Premiums for any coverage you elect. A 401(k) is a core feature here too. Fees apply to the 401(k) itself and are billed separately from your administrative fee.

Your proposal sets out your final costs.

A single payment for your entire team
$125/per month
What’s Included
  • EVERYTHING IN STANDARD, WITH BUOY CHAMP INCLUDED IN THE GIG PEO
  • COBRA ADMINISTRATION
What’s Electable
  • EVERYTHING IN STANDARD
  • MEDICAL, DENTAL, VISION
  • Legal Insurance: Access to licensed attorneys for personal matters including estate planning, family law, real estate and identity theft resolution.
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"The value you receive, from the service to the included benefits, is pretty incredible. I've been pretty happy with the service so far."

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Benefits

Included Benefits

Buoy CHAMP
Workers Compensation
Payroll Processing
Group Life Insurance
Retirement Plan

Electable Benefits

Major Medical
Dental
Vision
Disability
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