ADP TotalSource vs Rippling PEO
How the two PEOs compare on pricing, minimum employees and fit.
| ADP TotalSource | Rippling PEO | |
|---|---|---|
| Company size | About 67,000 employees (ADP, 2025) | About 5,000 employees (2025) |
| Headquarters | Roseland, NJ | San Francisco, CA |
| Founded | 1949 | 2016 |
| Pricing | No published PEO pricing. Quote required. | Quote only. |
| Pricing model | Quote only | Quote only |
| Best for | Established mid-market companies | Companies that want HR, IT and finance in one platform |
| IRS certified (CPEO) | Yes, on the IRS list | Not found by name on the IRS list |
| ESAC accreditation | Not confirmed | Reported not accredited |
| Minimum employees | 5 employees | 5 employees |
Carriers, 401(k) and workers' comp: side by side
| ADP TotalSource | Rippling PEO | |
|---|---|---|
| Health carriers | Multiple carrier choices; carriers not named ADP comparison page · Provider site | Medical, dental and vision described as Fortune 500-caliber; carriers not named Rippling PEO page · Provider site |
| 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) Voya/ADP cost brochure · Provider site · Sept 30, 2024 | Not publicly listed yet. We will get this for you: request a quote and we will include it. |
| Workers' comp | Workers' comp insurance with claims support, safety support and 24/7 nurse triage; carrier not named ADP comparison page · Provider site | Pay-as-you-go workers' comp coverage; carrier not named Rippling PEO page · Provider site |
| Other named partners | Not publicly listed yet. We will get this for you: request a quote and we will include it. | Not publicly listed yet. We will get this for you: request a quote and we will include it. |
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 Many PEOs do not publish their carriers or recordkeepers, so "not publicly listed" means we could not find it, not that none exists.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. Source types: SEC filing (strongest), provider site, third-party review.
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 Rippling PEO if
Companies that want HR, IT and finance in one platform.
- Highly customizable platform with HR process automation
- Compliance alerts as headcount crosses thresholds
Ask ADP TotalSource about
- Pricing is not published
- Cost structure is reported as better suited to larger teams
Ask Rippling PEO about
- Five-employee minimum reported
- One source reports it is not accredited by ESAC
Frequently asked questions
Is ADP TotalSource or Rippling PEO cheaper?
ADP TotalSource: No published PEO pricing. Quote required. Rippling PEO: Quote only. 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 Rippling PEO?
ADP TotalSource is best for established mid-market companies. Rippling PEO is best for companies that want hr, it and finance in one platform.
Last verified November 4, 2026. Based on third-party reviews and vendor pricing pages. See each provider page for sources.