Questco vs Rippling PEO
How the two PEOs compare on pricing, minimum employees and fit.
| Questco | Rippling PEO | |
|---|---|---|
| Company size | Being confirmed | About 5,000 employees (2025) |
| Headquarters | Houston area, TX | San Francisco, CA |
| Founded | Being confirmed | 2016 |
| Pricing | No published rates. Cost depends on company size and services chosen, plus a one-time onboarding fee equal to one month of administrative costs. | Quote only. |
| Pricing model | Quote only | Quote only |
| Best for | Small and mid-sized businesses, including franchises, that want a Texas-based PEO | 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 | Not confirmed | 5 employees |
Carriers, 401(k) and workers' comp: side by side
| Questco | Rippling PEO | |
|---|---|---|
| Health carriers | Pooled Questco master health plan, or benefits administration alongside your existing broker's plan; carriers not named Questco blog · Provider site | Medical, dental and vision described as Fortune 500-caliber; carriers not named Rippling PEO page · Provider site |
| 401(k) provider | 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. |
| Workers' comp | Not publicly listed yet. We will get this for you: request a quote and we will include it. | 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 Many PEOs do not publish their carriers or recordkeepers, so "not publicly listed" means we could not find it, not that none exists.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 Questco if
Small and mid-sized businesses, including franchises, that want a Texas-based PEO.
- No strict minimum headcount stated
- Headquartered in the Houston, Texas area with service offices in Texas, Nebraska, Arizona and Colorado
- Offers its own health and welfare benefits plan
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 Questco about
- Pricing is not published
- Carriers pay commissions to Questco or its affiliated brokers on benefits, built into premiums
- Contract terms are not stated on its FAQ
Ask Rippling PEO about
- Five-employee minimum reported
- One source reports it is not accredited by ESAC
Frequently asked questions
Is Questco or Rippling PEO cheaper?
Questco: No published rates. Cost depends on company size and services chosen, plus a one-time onboarding fee equal to one month of administrative costs. 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, Questco or Rippling PEO?
Questco is best for small and mid-sized businesses, including franchises, that want a texas-based peo. 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.