ADP TotalSource vs TriNet
How the two PEOs compare on pricing, minimum employees and fit.
| ADP TotalSource | TriNet | |
|---|---|---|
| Company size | About 67,000 employees (ADP, 2025) | 3,622 employees (2019) |
| Headquarters | Roseland, NJ | Dublin, CA |
| Founded | 1949 | 1988 |
| Pricing | No published PEO pricing. Quote required. | No published PEO pricing. Quote required. |
| Pricing model | Quote only | Quote only |
| Best for | Established mid-market companies | Companies in TriNet's core industries that want industry-specific packages |
| IRS certified (CPEO) | Yes, on the IRS list | Yes, on the IRS list |
| ESAC accreditation | Not confirmed | Not confirmed |
| Minimum employees | 5 employees | 5 employees |
Carriers, 401(k) and workers' comp: side by side
| ADP TotalSource | TriNet | |
|---|---|---|
| Health carriers | Multiple carrier choices; carriers not named | Plans sponsored through a broad range of carriers; none named |
| 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 | TriNet-managed 401(k); recordkeeper not named |
| Workers' comp | Workers' comp insurance with claims support, safety support and 24/7 nurse triage; carrier not named | Fully insured through policies negotiated with third-party carriers; carriers not named |
| Other named partners | Not publicly listed yet. We will get this for you: request a quote and we will include it. | Healthee powers the Personal Health Assistant |
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 Many PEOs do not publish their carriers or recordkeepers, so "not publicly listed" means we could not find it, not that none exists.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 TriNet if
Companies in TriNet's core industries that want industry-specific packages.
- Broad access to major health carriers
- Industry-specific PEO packages
Ask ADP TotalSource about
- Pricing is not published
- Cost structure is reported as better suited to larger teams
Ask TriNet about
- Requires a minimum of five employees
- Reviewers report escalating renewal pricing
- Does not support hazardous industries such as heavy construction
Frequently asked questions
Is ADP TotalSource or TriNet cheaper?
ADP TotalSource: No published PEO pricing. Quote required. TriNet: No published PEO pricing. Quote required. 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 TriNet?
ADP TotalSource is best for established mid-market companies. TriNet is best for companies in trinet's core industries that want industry-specific packages.
Last verified November 4, 2026. Based on third-party reviews and vendor pricing pages. See each provider page for sources.