Warp vs Justworks
Justworks' PEO gives you compliance and benefits through co-employment at $79-109/employee. Their standalone Payroll starts at $8/employee, but drops the compliance automation that makes the PEO worth it. Warp gives you full compliance automation, benefits, and payroll at $35/employee, no co-employment required.
Trusted by leading companies
Own your payroll, no co-employment
Justworks is a PEO. They become your co-employer, file taxes under their EIN, and control your benefits. With Warp, you stay the sole employer of record. Your EIN, your accounts, your control. No shared liability.
Full compliance automation at $35/employee
Justworks' PEO runs $79-109/employee/month for the compliance and benefits coverage most growing companies need. They also offer a stripped-down Payroll plan at $8/employee + $50/month base fee, but it doesn't include automated state registrations, multi-jurisdiction tax compliance, or the HR infrastructure that makes companies choose Justworks in the first place. Warp is $35/employee/month flat with full compliance automation, benefits, and every feature included.
AI-native compliance automation
Warp's AI compliance engine automates state registrations, tax filings, and notice resolution end-to-end. Justworks' PEO handles compliance through co-employment under their EIN. Their standalone Payroll does not include automated registrations or multi-state compliance. Same outcomes, full control.
“Any tool that you can find that gives you time back is extremely valuable. That's how I think of Warp. It's in a class of tools that enable people to do great work.”
How Warp Compares
Compare Warp against both Justworks products side by side.
Warp vs Justworks – Which is right for your company?
Justworks is a solid PEO for very early-stage companies that want everything bundled. But as you grow, the co-employment model becomes a liability: you lose control over your HR, your tax filings happen under someone else's EIN, and you're locked into their pooled plans. Justworks' standalone Payroll product is cheaper but doesn't include the compliance automation that makes companies choose the PEO. Warp gives you full compliance automation at $35/employee: the coverage of their PEO without the co-employment or the price tag.
Questions?
The fundamental difference is the employment model. Justworks is a PEO. They become your co-employer, file taxes under their EIN, and control your benefits options. Warp is a payroll and HR platform where you remain the sole employer of record. You get the same compliance outcomes (automated tax filings, benefits admin, multi-state support) without giving up control or paying co-employment premiums.
Warp is also all-in-one: payroll, compliance, benefits, HR, onboarding, PTO, and contractor management. The difference is how it's done. Justworks bundles services through co-employment (someone else's EIN, their benefits plans, their control). Warp gives you the same convenience with AI automation under your own EIN, with more flexibility and lower cost.
Justworks offers a standalone Payroll plan at $8/employee + $50/month base fee, but it's limited to basic payroll processing without compliance automation. Their PEO plans, which include the compliance and benefits coverage comparable to Warp, cost $79/employee (Basic) or $109/employee (Plus). Warp is $35/employee/month flat with full compliance automation, benefits brokerage, and every feature included. For a 20-employee team comparing equivalent coverage, you'd save $10,000-18,000+ per year.
We can do better. Warp is a nationally licensed insurance brokerage (NPN: 22074328) with direct relationships with 30+ carriers including Oscar, Guardian, Aetna, United Healthcare, and Blue Cross Blue Shield. We offer both traditional group insurance and ICHRA, giving you more flexibility than Justworks' pooled PEO plans. Plus 401(k), HSA/FSA, commuter benefits, and more.
Warp's AI compliance engine, built by engineers from MIT, Palantir, and Ramp, automates state registrations, tax filings, and notice resolution end-to-end. NY DBL/PFL, CA SDI, SF PPLO, and all federal/state/local requirements are handled automatically under your EIN. You get the same (or better) compliance coverage as a PEO, with full visibility into every filing.
Most companies complete the switch in 1-2 weeks. We handle the entire migration free: employee data, tax account setup, benefits coordination, and onboarding. Since you're moving from a PEO, we'll help re-establish tax accounts under your EIN and coordinate the benefits transition, including the 60-day special enrollment period.
Warp scales from 1 to 5,000+ employees. Companies like Bland AI grew 10x on our platform without switching. We're purpose-built for high-growth companies, which means we scale with you, unlike PEOs that become a bottleneck as you grow past 50 employees.
Yes. Justworks offers US payroll and PEO services, plus EOR for international employees at $599/employee/month and contractor payments in 60+ countries. Warp handles US W-2 employees and international contractors in 150+ countries in one platform at a fraction of the cost, with automatic 1099 filing for US-based contractors.
Can't find your answer here? Get in touch.
Make the switch today
Join 1,000+ companies that chose control over co-employment.