2026
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The Total Economic Impact™ of TriNet PEO

Investment return and business benefits enabled by TriNet PEO
A Forrester Total Economic Impact™ study commissioned by TriNet (January 2026)

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Executive Summary

Top-level takeaways for outsourcing your HR to TriNet PEO

According to a Forrester Consulting Total Economic Impact™ (TEI) study commissioned by TriNet, organizations that were engaged for this study and using TriNet PEO experienced measurable financial benefits over three years, including a 66% positive return on investment over three years and less than 6 months’ payback period.

The study found TriNet PEO helps SMBs move HR from a daily operational burden to a scalable business function. By getting support from TriNet for payroll, benefits, and compliance, TriNet customers could free internal teams to focus on strategic priorities while maintaining confidence in regulatory compliance and employee experience.

66
Return on investment (ROI) over 3 years
A project's expected return in percentage terms. ROI is calculated by dividing net benefits (benefits less costs) by costs.
$178,000
Net present value over 3 years
The present or current value of (discounted) future net cash flows given an interest rate (the discount rate). A positive project NPV normally indicates that the investment should be made, unless other projects have higher NPVs.
<6 months
Payback in less than 6 months
The breakeven point for an investment. This is the point in time at which net benefits (benefits minus costs) equal initial investment or cost.
Cash Flow Analysis (Risk-Adjusted)
InitialYear 1Year 2Year 3TotalPresent Value
Total costs
($15,925)
($93,388)
($102,208)
($111,028)
($322,548)
($268,708)
Total benefits
$0
$170,916
$180,072
$189,526
$540,515
$446,592
Net benefits
($15,925)
$77,529
$77,864
$78,499
$217,967
$177,884
ROI
-
-
-
-
-
66%
Payback
<6 months
This study is commissioned by TriNet and delivered by Forrester Consulting. Results are based on a composite organization based on interviewed customers and may vary. See complete survey methodology here.
Economic Benefits

Key economic benefits (three-year, risk-adjusted)

Forrester found that by using TriNet PEO the composite organization helped reallocate time spent on HR to more important work, allowed these organizations to gain access to better benefit options at less cost than they were paying prior, providing a more efficient employee experience of HR tools, and unified the complexity of HR technology. Let’s dive in.

95% of time spent on HR reallocated to core business activities

Interviewed organizations using TriNet PEO for payroll, benefits administration, and compliance support found to reduce manual work and reliance on internal staff for tactical HR tasks, saving $234,000 over three years and 95% of time.

95
Time savings from HR tasks to core business objectives
$234,000
Value from HR time savings over three years
Time Savings From TriNet HR Support
MetricSourceYear 1Year 2Year 3
A1
Time dedicated to managing payroll, benefits, HR compliance, and HR-related issues in the prior environment (hours)
Composite
3,120
3,120
3,120
A2
Percentage of time spent managing HR activities in the prior environment reallocated to TriNet
Interviews
95%
95%
95%
A3
Average fully burdened hourly rate for an HR specialist
Composite
$47
$47
$47
A4
Productivity recapture
TEI methodology
75%
75%
75%
At
Time savings from TriNet HR support
A1*A2*A3*A4
$104,481
$104,481
$104,481
Risk adjustment
↓10%
Atr
Time savings from TriNet HR support (risk-adjusted)
$94,033
$94,033
$94,033
Three-year total: $282,099
Three-year present value: $233,846

Greater access to better benefits options, and potential cost savings

Before TriNet, organizations interviewed by Forrester struggled to negotiate competitive rates and often settled for limited options at inflated costs. By leveraging TriNet’s scale and pre-negotiated plans, customers gained access to comprehensive medical, dental, vision, life insurance, and retirement offerings comparable to — if not exceeding — those of larger employers.

12
Reduction in employee benefit costs compared to prior independently sourced plans
$185,000
In savings over three years
Cost Savings From TriNet-Sponsored Benefits
Ref.MetricSourceYear1Year 2Year 3
B1
Employees
Composite
50
55
60
B2
Percentage of employees enrolled in healthcare benefits
Composite
95%
95%
95%
B3
Annual healthcare benefit cost per employee sourced through broker
Composite
$13,000
$13,260
$13,525
B4
Cost savings through TriNet
Interviews
12%
12%
12%
Bt
Cost savings from TriNet-sponsored benefits (rounded)
B1*B2*B3*B4
$74,100
$83,140
$92,512
Risk adjustment
↓10%
-
-
-
Btr
Cost savings from TriNet-sponsored benefits (risk-adjusted)
-
-
$66,690
$83,261
Three-year total: $224,777
Three-year present value: $185,022
15
Increase in employee efficiency for HR-related tasks
$11,000
In productivity value over three years

15% improved HR employee efficiency

Before TriNet, employees often relied on internal HR or managers for routine questions about benefits, payroll, and leave, which disrupted their work and consumed additional time. With TriNet’s self-service platform and chat assistant, employees gained direct access to information and support, enabling them to resolve issues quickly and independently.

Employee Efficiency From Using TriNet
Ref.MetricSourceYear 1Year 2Year 3
C1
Employees
B1
50
55
60
C2
Time spent per employee on HR-related tasks in prior environment (hours)
Composite
24
24
24
C3
Efficiency gain with TriNet
Interviews
15%
15%
15%
C4
Average fully burdened hourly rate for an employee
Composite
$47
$47
$47
C5
Productivity recapture
TEI methodology
50%
50%
50%
Ct
Employee efficiency from using TriNet
C1*C2*C3*C4*C5
$4,230
$4,653
$5,076
Risk adjustment
↓5%
Ctr
Employee efficiency from using TriNet (risk-adjusted)
-
$4,019
$4,420
$4,822
Three-year total: $13,261
Three-year present value: $10,929

Thousands of $$ saved by HR tech consolidation

$17,000 saved by consolidating payroll and HR systems

Before TriNet, organizations relied on standalone payroll software, spreadsheets, and separate systems for benefits and compliance. By consolidating HR functions and data into a single solution, organizations avoided the cost of maintaining multiple systems and reduced the need for external consultants or additional headcount. The financial controller at a software company shared that managing 401(k) outside TriNet was “a lot more stressful,” requiring manual calculations and updates, whereas TriNet enabled employees to make changes themselves through the platform.

401(k)
Offering a TriNet-sponsored plan eliminated the need for separate 401(k) administration tools
$17,000
In cost savings from technology consolidation
Cost Savings From Retiring Legacy HR Tools
Ref.MetricSourceYear 1Year 2Year 3
D1
Annual cost of HR tools in prior environment
Composite
$6,500
$7,150
$7,800
Dt
Cost savings from retiring legacy HR tools
D1
$6,500
$7,150
$7,800
Risk adjustment
↓5%
Dtr.
Cost savings from retiring legacy HR tools (risk-adjusted)
-
$6,175
$6,793
$7,410
Three-year total: $20,378
Three-year present value: $16,795

Total economic impact summary

Three-year, risk-adjusted results for the composite organization:

Total benefits: $447,000
Total costs: $269,000
Net present value (NPV): $178,000
ROI: 66% over 3 years
Payback period: Less than 6 months
This study is commissioned by TriNet and delivered by Forrester Consulting. Results are based on a composite organization and may vary.
Other Benefits

Beyond the numbers: Additional Benefits noted by interviewees

Beyond the quantified cost savings, Forrester analysts found that TriNet PEO delivers meaningful benefits that are difficult to quantify but consistently valued by customers. These include:

Access to high-quality large-company benefits typically out of reach for smaller firms
Greater confidence in compliance
On-demand HR expertise
An intuitive platform and mobile app
Simplified workers’ compensation and 401(k) administration
The flexibility to scale HR support as the business grows
Access to Enterprise-Grade Benefits
TriNet gives small and midsize businesses access to high-quality benefits typically reserved for much larger employers. By leveraging TriNet’s scale and pre-negotiated plans, customers can offer comprehensive medical, dental, vision, life insurance, and retirement options—strengthening their ability to attract and retain talent in competitive markets.
Everyone who is eligible for benefits is enrolled at our company. So every single person takes advantage of it… That means they’re getting better insurance than their spouse could provide or they would have been able to get somewhere else.”
CFO at a financial services company
Peace of Mind on Compliance
Managing compliance across states and regulations is complex and risky for lean teams. TriNet proactively monitors regulatory changes and guides customers through payroll, tax, and employment requirements—reducing stress and minimizing the risk of costly errors.
TriNet was very good at holding my hand and telling me, ‘OK, do this, submit this, do it this way.’ I never worry about compliance and payroll. I know TriNet has my back.”
HR Business Partner at a Healthcare Company
Workers’ Compensation & Employer Practices Liability Insurance – Risk Mitigation Confidence
TriNet’s co-employment model simplifies workers’ compensation and employer practices liability coverage, reducing both administrative complexity and cost. Customers cited this protection as a major differentiator compared to sourcing coverage independently.
TriNet was less expensive mainly because of workers’ comp. With our previous provider, premiums were much higher because we were on our own.”
CFO Financial Services
Trusted Advisor and HR Expertise
Customers value TriNet’s consultative support model, which provides a dedicated point of contact for payroll and HR needs, plus access to specialists for more complex employee and policy issues. This depth of expertise helps organizations navigate sensitive situations without expanding internal teams.
If you’ve got any questions, you have a TriNet person who is responsible for your payroll—your go-to person. I can contact them at any time, and they are super knowledgeable.”
HR Business Partner at a Healthcare Company
User-Friendly Platform and Mobile Access
TriNet consolidates core HR functions into a single, intuitive platform that enables employees and managers to complete tasks independently. Mobile access adds convenience, allowing users to retrieve pay stubs, tax documents, and benefits information on the go.
Customers highlighted the ability for employees to manage benefits enrollment, payroll updates, and time-off requests without relying on HR or managers—reducing interruptions and administrative friction.”
HR Business Partner at a Healthcare Company
Streamlined 401(k) Administration
TriNet simplifies retirement plan management for TriNet-sponsored multiple employer plans by integrating 401(k) administration directly with payroll. Automation supports accurate calculations, timely deposits, and compliance—without requiring specialized internal expertise.
Without TriNet, we’d have to do calculations and deposits manually and hope we did it right.”
Financial Controller at a Software Company
Flexibility to Grow and Expand HR Capabilities
TriNet adapts as organizations evolve—supporting growth across states, expanding headcount, and unlocking additional HR capabilities over time. Many customers discover new value in reporting, analytics, onboarding, and employee engagement tools as their needs mature.
Interviewees noted that as their companies grow, TriNet absorbs added complexity without requiring additional HR hires—and that over time they continue to find new ways to use the platform beyond their original goals.”
Quotes We Loved to Hear

How our customers describe value

Access to Benefits

“With 40 employees, if I go out to the marketplace to source benefits, I have no power. I’d get the worst rate ever. With TriNet, they offer us a much better rate.”

HR Business Partner
at a Healthcare Company

Access to HR Experts

“If you’ve got any questions, you have a TriNet person who is responsible for your payroll — your go-to person. I can contact them at any time, and they are super knowledgeable. And what they don’t know, they go and find for me.”

HR Business Partner
at a Healthcare Company

Access to HR Support

“TriNet was very good at holding my hand and telling me, ‘OK, do this, submit this, do it this way,’ so I never worry about compliance and payroll. I know that TriNet has my back, and I trust them wholeheartedly.”

HR Business Partner
at a Healthcare Company

TriNet as a PEO Provider

“I struggle to think that there would be a better option than TriNet.”

HR Business Partner
at a Healthcare Company

Payroll Processing

“Payroll is super easy to do with TriNet. It’s very intuitive. …Someone who’s already super busy can still complete everything.

CFO
at a Financial Services Company

“TriNet’s platform has clearly improved the speed and the accuracy of our payroll. We have an integration with a time and attendance tool for our hourly workforce. All of that data is uploaded into TriNet so that we can manage everything through a central resource. It’s improved our ability to look at the organization more holistically from a payroll perspective. It’s been a good time-saver for us. and we’re comfortable with the accuracy that is provided and that it’s compliant.”

VP of HR
at a Manufacturing Company

“If we were to hire a payroll person, I would have the budget to pay a junior person because I don’t need a lot of person hours, yet I need the knowledge of a senior person to keep in compliance. And TriNet gives me that.

HR Business Partner
at a Healthcare Company

Your Estimated ROI

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Research Methodology

Forrester’s Methodology

The Total Economic Impact™ (TEI) methodology, developed by Forrester, is designed to help organizations evaluate the business value of technology investments and make more informed decisions. It also provides a structured way for solution providers to clearly communicate value to senior leaders and key stakeholders.

Using insights from interviews, Forrester built a TEI framework to evaluate the potential impact of using TriNet PEO. The framework examines four key factors that influence engagement decisions: costs, benefits, flexibility, and risk.

To develop this analysis, Forrester followed a multi-step process:

  • Due diligence: Reviewed information from TriNet stakeholders and Forrester analysts.
  • Customer interviews: Spoke with four decision-makers at organizations using TriNet PEO to understand realized costs, benefits, and risks.
  • Composite organization: Created a representative organization based on shared characteristics of the interviewed customers.
  • Financial modeling: Built a risk-adjusted financial model using the TEI methodology.

The resulting case study applies the four core TEI elements—benefits, costs, flexibility, and risk—to provide a holistic view of the total economic impact of TriNet PEO.

Download the Full Study

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This communication is for informational purposes only, is not legal, tax or accounting advice, and is not an offer to sell, buy or procure insurance. It may contain links to third-party sites or information for reference only. Inclusion does not imply TriNet’s endorsement of or responsibility for third-party content. TriNet is the single-employer sponsor of all its benefit plans, which does not include Enrich products and voluntary benefits that are not ERISA-covered group health insurance plans. Official plan documents govern, and TriNet may amend benefit plans or change offerings and deadlines.

The study cited is a third‑party study. Please refer to the cited source for methodology details. Findings are based on interviews with TriNet clients and may not be representative; results may vary.