Ten questions about your business. An honest read on what shape of HR support fits: doing it yourself, a subscription, a PEO, a fractional partner, or a full-time hire, with the reasons shown and your states' rules on one list.
Each score shows the three things that moved it most, and every cost is worked out at your headcount, monthly and yearly, so the options compare fairly. The number is a read, not a verdict.
Sourced from state statutes and labor department pages, September 2026. Items marked verify came from a secondary source. Laws change; confirm any date that matters to you with counsel before you act on it.
I built this because the first question every owner asks me is "what do I actually need?" and the honest answer is usually smaller than they fear.
Thirteen years of in-house HR before going out on my own: startups, mid-sized companies, and a Fortune 100 insurer, across manufacturing, lending, and insurance. I have supported employees in all fifty states, and I know what a department of one looks like from the inside. Glover & Co. is a woman-owned practice that works with owner-run businesses, usually 25 to 75 people, that need real HR structure without a full department. UConn, class of 2013.
Nothing on this page is sold to you and no vendor pays to be named here. If the read says you need less than you thought, that is the read.
The full read with sources, in your inbox. That's all it's used for.