Human Resource Service

Our payroll service will calculate and process your payroll.
Time consuming payroll is reduced to simply submitting hours.

PML's workers compensation service provides your business with the best carriers at the best rates.
You are no longer responsible for time consuming claims processing and follow-up.

PML's unemployment service will handle employee unemployment claims and paperwork.
You are no longer responsible for time consuming unemployment claims processing and follow-up.

PML's business compliance service ensures that employees are in compliance with current laws and regulations.
PML provides employee handbooks, safety charts and ensures your employees are working in a safe environment.

Employee Health Benefits

We research employee health benefits to find the best plans at the best prices available.

Medical Plan Overview   
Flexible Blue High Deductible Health Plan   
Health Savings Account   
PPO Options   
Emergency Care   
Prescription Benefits   
Medical Expense / Hospital Indemnity Plan   
Dental Benefits   
Vision Benefits   
Life & Short Term Disability   
401K   
Women's Health & Cancer Rights Act   
Benefit Summaries   
Carrier Contact Information   

Learn About Peos

PML and its members have been serving the needs of growing businesses since 1985.

Is a PEO a Viable Option for Your Business?

A PEO, or Professional Employer Organization, is a company specializing in human resource management. A PEO will contractually assume responsibility for all human resource-related functions for your business and its employees including interviewing and hiring assistance, payroll management, employee benefit design and administration, and administration of federal and state workplace regulations.When you hire a PEO,your business and the PEO become co-employers with the PEO effectively becoming your off-site personnel department. This relationship can result in significant cost savings for you and your personnel department by reducing paperwork and human resource administration time.

It is estimated that PEOs currently employ 2-3 million Americans. PEOs exist in every state of the country with approximately 2,000 different PEO companies.The industry is growing 20-30 percent each year.

How PEOs Work.

A PEO is an organization that hires your employees.The PEO generates paychecks for your employees and administers the filing of all related payroll tax deposits and monthly, quarterly and annual returns. The PEO bills your company for payroll, tax liabilities and fees for health, worker’s compensation and unemployment insurance premiums in addition to the PEO’s administration fee. With such a large pool of employees from various companies, the economies of scale allow for a vast array of benefits and services at a significantly reduced cost.

Interestingly enough, the Internal Revenue Service views the PEO as the employer of record and is liable to pay the federal income and unemployment taxes, whether or not the client company pays the PEO. Most(but not all) states recognize the PEO as the responsible entity for payment of state unemployment taxes. PEOs also provide employees with coverage under all employment laws and regulations including federal,state and local discrimination laws. This includes Title VII of the 1964 Civil Rights Act, Age Discrimination in Employment Act, ADA, FMLA, HIPAA, Equal Pay Act and Cobra.

Advantages and Disadvantages of a PEO.

There are several advantages to entering into a business relationship with a PEO. Some of them are;

1) potential significant cost savings in hiring a PEO versus a full-time employee,

2) significant reduction in paperwork volume,

3) a wider array of employee benefits,

4) full-time compliance of payroll, EEOC, etc.and

5) worker’s and unemployment claims management.

According to the National Association of Professional Employer Organizations (NAPEO), NAPEO members report an average of 14 worksite employees per client company with an average gross pay of $19,659. The average annual cost of regulation, paperwork, workers compensation and tax compliance for firms with fewer than 500 employees is about $5,000 per employee, and $3,400 per employee for firms withmore than 500 employees. The average small business owner spends between 7 percent and 25 percent of his orher time handling employee related paperwork.

The disadvantages of a PEO include having an employer’s potential perceived loss of control of his or her employees. Although the employer continues to have the ultimate authority in maintaining employee efficiency and output, the PEO shares and retains the right to hire, reassign and fire the employees. This sharing of responsibility may make an employer feel that he or she has lost some control in the management of his/her workforce.

Another consideration would be the employee’s perception of the change seeing the PEO’s name on apaycheck. This may make the employee feel that he orshe is now working for a different company. These types of concerns must be addressed when examiningthe PEO relationship.

Would Your Business Benefit from a PEO?

In examining the potential benefits of a PEO and whether this type of relationship would be right for your company, you must consider several factors. For instance, does your company need a PEO to perform these human resource tasks? In answering this question, consider whether your company suffers from a high turnover rate. Do your employees frequently complain about the company’s below average benefit plan? Do you spend a significant amount of time handling unemployment and worker’s compensation claims andadministration? If you answer yes to these questions you should research the possibility of hiring a PEO to handle the human resource function for you. A PEO may offer you significant cost savings via reduced personnel requirements and reduced paperwork.