Payroll, HR, Compliance & Benefits — Built for Your Team and Your Contractors.
CB PEO brings payroll, HR support, compliance, and real benefits — including CB Premier Benefits — into one platform. It works whether you're running a business with a mixed W-2/1099 workforce, or you're an independent contractor who's never had access to group-level benefits before.
I run a company
Consolidate payroll, HR, compliance, and benefits for your W-2 and 1099 workforce into one platform.
See what's included →I'm a 1099 contractor
Get access to group-level benefits — including CB Premier Benefits — while keeping your independence.
See what's included →Healthcare Costs Are Outpacing Wages
Whether you're an employer trying to hold the line on costs, or an independent worker who's never had employer-sponsored benefits, the numbers explain why this problem doesn't go away on its own.
Sources: KFF 2025 Employer Health Benefits Survey; Mercer & WTW 2026 employer health cost projections; MBO Partners 2025 State of Independence.
One Platform Instead of Five Vendors
CB PEO is a professional employer organization (PEO) — it takes over payroll and HR administration as your co-employer, so you're not stitching together separate systems for payroll, compliance, and benefits.
Typical Challenges
- Manual payroll processing and tax headaches
- Compliance risk and labor regulation complexity
- Time spent onboarding and managing people
- Lack of a competitive benefits package
- High admin overhead and cost of internal HR
What CB PEO Delivers
- A single trusted system for all HR and payroll needs
- Benefit offerings that rival large employers
- Compliance owned by experts
- Scalability without internal HR overhead
What's Handled For You
Hiring & Onboarding
Smooth, compliant onboarding for employees and contractors.
Payroll & Taxes
Handled for every state, for W-2 and 1099 alike.
Health Benefits
Competitive packages, including CB Premier Benefits.
Compliance
Tax filings and labor law compliance, expertly managed.
Helpdesk Support
On-demand HR support that scales with your business.
Plans for Your Team
Standard
Included
- Payroll processing
- 1099 contractor payments
- Tax reporting & compliance
- HR support
- Employer-paid life insurance ($10,000 included)
- CB Premier Benefits
Electable
- Voluntary benefits, workers' comp, 401(k), wellness program, LifeGuides
Premier
Included
- Everything in Standard
- Aura identity theft protection
- COBRA administration
Electable
- Everything in Standard electable, plus medical, dental, vision (UHC) and LegalShield
Business Value We Hear From Clients
- Reduced admin time
- Lower compliance risk
- Competitive benefits access
- Improved team retention
- Scalable operations without adding internal HR headcount
Outcomes reported by CB PEO clients; individual results vary by business.
Group Benefits, Without Giving Up Your Independence
Most 1099 contractors and gig workers don't have access to the group-level benefits full-time employees get. CB PEO's Gig Workers plan is built specifically to close that gap.
Contractor Independence With Benefits
CB PEO uniquely allows 1099 contractors to retain their independence while accessing group benefits and Workers' Compensation — protections typically reserved for full-time employees.
Gig Workers
Included
- Payroll administration for your LLC
- Tax reporting & compliance
- Life insurance ($10,000 included)
- Aura identity theft protection
- COBRA administration
- CB Premier Benefits
Electable
- Medical, dental, vision (UHC), LegalShield, 401(k), wellness program
What's actually in CB Premier Benefits piece
- Unlimited primary & urgent care visits, plan pays 100% for eligible providers
- 24/7 direct primary care access
- Unlimited $0-copay prescriptions for ~85% of commonly prescribed medications
- 100% preventative care as required by the ACA
Do You Earn Tips? Ask About the Tip + Tax Program
If you're an eligible gig worker, CB PEO can coordinate the federal No Tax on Tips deduction and the employer FICA Tip Credit alongside your payroll setup, through an integrated partnership with Anchor Accounting — potentially leaving you with more take-home pay to put toward benefits like CB Premier Benefits.
Program availability, eligibility, pricing, savings, and tax treatment depend on your individual facts, applicable law, and program terms. This is educational information, not legal, tax, or financial advice.
Harbor Shield Section 125 Audit Defense
When benefits are structured with pretax components, you deserve confidence, not guesswork.
- Harbor Shield Section 125 audit defense is included in CB PEO's administration.
- Attorney-led support coordination if a Section 125 plan is ever questioned.
- Added confidence in how your benefits are structured and administered.
From Sign-Up to Live Coverage
Sign-Up & Profiling
Share your business or workforce details.
Service Match & Setup
Payroll, benefits, and compliance preferences configured.
Onboarding & Rollout
Employees and contractors onboarded onto the platform.
Live Support & Reporting
Ongoing payroll and regulatory support.
Scale & Evolve
Add users, benefits, or services as you grow.
Timeline anchor: the first payroll run typically follows once required information is submitted — traditional businesses often see this in ~30 days; payroll-only setups can move faster.
A Real Team, Not an Anonymous Call Center
Sean & Lishele Wigand
Coverage Babe is an independent licensed health insurance agency. We help connect businesses and independent workers to Buoy PEO as an independent Certified Reseller with MyGig — we are not employees, partners, or direct agents of Buoy PEO or its underlying service providers.
If CB PEO isn't the right fit for your situation, we'll tell you that too.
Questions We Hear
Does this replace my current payroll provider?
Yes — CB PEO operates as a co-employer and runs payroll directly for W-2 teams. Its implementation team handles the transition as a phased rollout, not an overnight switch.
As a business owner, do I lose control of my company?
No. You keep full control over hiring and day-to-day operations. CB PEO handles the administrative and compliance backend as your co-employer.
Is CB Premier Benefits included, or is it extra?
CB Premier Benefits is included at no extra cost on every CB PEO tier — Standard, Premier, and Gig Workers.
I'm a 1099 contractor — do I need to be an LLC to sign up?
The Gig Workers plan is designed for single-member LLCs. If you're not yet set up that way, CB PEO's onboarding is designed to help coordinate entity and payroll administration as part of getting started — ask us about your specific situation.
Am I still independent if I get benefits through this?
Yes — that's the specific gap this plan is built to close. You retain your independence as a contractor while accessing group-level benefits and Workers' Compensation that are typically reserved for full-time employees.
What size company is a good fit?
CB PEO's primary audiences are small to medium-sized businesses, startups scaling their HR function, and teams with a mixed W-2/1099 workforce. We'll assess your specific situation rather than apply a fixed minimum.
Is this legal/tax advice?
No. This page is educational information about the program. Savings, tax treatment, and benefit outcomes depend on your specific facts and applicable law — we recommend confirming details with your CPA or benefits counsel.
See If CB PEO Is a Fit
Talk it through with us first, or go straight to getting started — your call.