ADP TotalSource vs Justworks
How the two PEOs compare on pricing, minimum employees and fit.
| ADP TotalSource | Justworks | |
|---|---|---|
| Company size | About 67,000 employees (ADP, 2025) | 1,165 employees |
| Headquarters | Roseland, NJ | New York, NY |
| Founded | 1949 | 2012 |
| Pricing | No published PEO pricing. Quote required. | PEO Basic $79 and PEO Plus $124 per employee per month. Some sources still list Plus at $109, so confirm on justworks.com/pricing. |
| Pricing model | Quote only | Published |
| Best for | Established mid-market companies | Small teams that want published pricing and a simple platform |
| IRS certified (CPEO) | Yes, on the IRS list | Yes, on the IRS list |
| ESAC accreditation | Not confirmed | Accredited |
| Minimum employees | 5 employees | 2 employees |
Carriers, 401(k) and workers' comp: side by side
| ADP TotalSource | Justworks | |
|---|---|---|
| Health carriers | Multiple carrier choices; carriers not named | Aetna, UnitedHealthcare, Kaiser Permanente (medical, dental, vision) and MetLife |
| 401(k) provider | ADP TotalSource Retirement Savings Plan, a multiple employer 401(k) with 23 funds, 6,500+ adopting employers, 348,000 participants and $9B+ in assets (Sept 30, 2024); total cost 0.26% to 1.01%. Materials are branded Voya, which suggests Voya as recordkeeper (inferred, not stated) Sept 30, 2024 | Administered through a third-party partner, reported as Slavic401k |
| Workers' comp | Workers' comp insurance with claims support, safety support and 24/7 nurse triage; carrier not named | Not publicly listed yet. We will get this for you: request a quote and we will include it. |
| Other named partners | Not publicly listed yet. We will get this for you: request a quote and we will include it. | Teladoc and One Medical (as available); EVERFI powers compliance training |
Due diligence checked November 4, 2026. We only list carriers and partners that a filing, the provider or a named review states. Many PEOs do not publish their carriers or recordkeepers, so "not publicly listed" means we could not find it, not that none exists. If something is missing, request a quote and we will get it from the PEO for you. Lineups vary by state and change at renewal.
Questions to ask before you sign
- Which medical carriers and networks are available in my state and zip code?
- Are the health plans fully insured or partially self-funded, and who bears claims risk?
- Who is the 401(k) recordkeeper, and what are the total plan fees and match options?
- Who is the workers' comp carrier, how are rates set, and what happens to my experience rating if I leave?
- Is the entity that will employ my staff on the IRS CPEO list, and is it ESAC accredited?
- What renewal increase did your plans see in each of the last 3 years?
Choose ADP TotalSource if
Established mid-market companies.
- Large scale with more than half a million worksite employees reported
- Broad HR, payroll and benefits administration
Choose Justworks if
Small teams that want published pricing and a simple platform.
- Public price list with no base fee
- Payroll, HR support and compliance in one fee
- International Employer of Record add-on at $599 per employee per month
Ask ADP TotalSource about
- Pricing is not published
- Cost structure is reported as better suited to larger teams
Ask Justworks about
- Health premiums are billed on top of the platform fee
- Per-employee cost does not shrink much as headcount grows
Frequently asked questions
Is ADP TotalSource or Justworks cheaper?
ADP TotalSource: No published PEO pricing. Quote required. Justworks: PEO Basic $79 and PEO Plus $124 per employee per month. Some sources still list Plus at $109, so confirm on justworks.com/pricing. Published rates are not directly comparable to quote-only pricing, and health premiums are separate.
Which is better for a small company, ADP TotalSource or Justworks?
ADP TotalSource is best for established mid-market companies. Justworks is best for small teams that want published pricing and a simple platform.
Last verified November 4, 2026. Based on third-party reviews and vendor pricing pages. See each provider page for sources.