FrankCrum Review
FrankCrum is a family-owned PEO founded in 1981 in Clearwater, Florida, with its own workers’ compensation carrier, serving small and mid-sized businesses, especially in construction and skilled trades.
Best for
- Construction and skilled-trade employers that need workers’ comp certificates fast
- Small businesses that want EPLI and cyber cover bundled into the PEO
- Owners who want one coordinator for payroll and one consultant for HR
Not ideal for
- Buyers who need a published per-employee price before a call
How we evaluated FrankCrum
This review rests on the 17 facts this page shows, each checked against the source listed under “Sources”, most recently on . We did not test the product hands-on: the score uses only those verified facts, as our methodology explains; third-party ratings, where we quote them, never count in the score.
Our verdict
FrankCrum fits small and mid-sized employers, especially in construction and the skilled trades, that want a PEO with its own workers’ compensation carrier: premiums are pay-as-you-go with no down payment or year-end audit, and EPLI and cyber liability come with every partnership. Founded in 1981 and family owned, it publishes what each invoice line covers but quotes the rates. It is less suited to buyers who want a published per-employee price.
Strengths
Own workers’ comp carrier
FrankCrum’s affiliated carrier, Frank Winston Crum Insurance, writes pay-as-you-go coverage with no down payment and no year-end audit.
Evidence
Key features: Affiliated AM Best-rated workers' comp carrier (Frank Winston Crum Insurance), Pay-as-you-go workers' comp with no down payment and no year-end audit, Same-day workers' comp certificates of insurance in MyFrankCrum, Certified payroll and job costing for construction, Dedicated payroll coordinator and HR consultant, EPLI and cyber liability insurance included2
Clear invoice lines
The pricing page names every line on its invoice, from FICA and SUTA to the administrative fee, EPLI and cyber liability, and lists the optional extras.
Evidence
Extra costs: Employee benefits premiums, passed through at FrankCrum's group rates, Benefits administration for an existing health plan kept with its carrier, TrainingHub learning management system, Applicant tracking (JazzHR) and time and attendance (UKG) software, Background checks and drug testing at per-use prices, Invoice lines each pay period: FICA, FUTA, SUTA, workers' comp premium, administrative fee, FrankAdvice HR, EPLI and cyber liability1
Insurance included
Every partnership includes workers’ comp, EPLI and cyber liability insurance, plus COBRA administration and 940/941 filings.
Evidence: Automatic tax filing: Yes1
Data out by API
A one-way API sends workforce and expense data from MyFrankCrum to the client’s own systems.
Evidence: API: Yes3
Weaknesses
No published rate
FrankCrum gives no per-employee price on its site and builds a quote for each business.
Evidence: Price transparency: Quote only1
Some software costs extra
Applicant tracking, time and attendance and the TrainingHub LMS are paid add-ons.
Evidence
Extra costs: Employee benefits premiums, passed through at FrankCrum's group rates, Benefits administration for an existing health plan kept with its carrier, TrainingHub learning management system, Applicant tracking (JazzHR) and time and attendance (UKG) software, Background checks and drug testing at per-use prices, Invoice lines each pay period: FICA, FUTA, SUTA, workers' comp premium, administrative fee, FrankAdvice HR, EPLI and cyber liability1
Price at a glance
Quick answers
- How does FrankCrum price its PEO?
- By custom quote: the rate depends on payroll size and headcount, industry and workers’ comp risk, claims history and the benefits chosen.Based on Pricing model: Quote only1
- What fees are on a FrankCrum invoice?
- Payroll taxes (FICA, FUTA, SUTA), the workers’ comp premium, the administrative fee, FrankAdvice HR, EPLI, cyber liability and any benefits you select.Based on Extra costs: Employee benefits premiums, passed through at FrankCrum's group rates, Benefits administration for an existing health plan kept with its carrier, TrainingHub learning management system, Applicant tracking (JazzHR) and time and attendance (UKG) software, Background checks and drug testing at per-use prices, Invoice lines each pay period: FICA, FUTA, SUTA, workers' comp premium, administrative fee, FrankAdvice HR, EPLI and cyber liability1
- Does FrankCrum include workers' comp?
- Yes. Workers’ comp insurance and claims management come with every partnership, billed pay-as-you-go through its affiliated carrier.Based on Workers' comp included: Yes1
- Who owns FrankCrum?
- It is privately and family owned, founded in 1981 and based in Clearwater, Florida.Based on Ownership: Private4
Coverage of core PEO services capabilities
Each core capability we evaluate in PEO Services, checked against FrankCrum’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.
9 verified of 10 core capabilities
Specifications
FrankCrum integrations
FrankCrum integration coverage
The 10 apps that PEO services products document most often, and whether FrankCrum documents each.
1 of the 10 most-connected apps documented by FrankCrum; median of the 13 products compared: 1
- QuickBooks · documented by 8 of 13
- NetSuite · documented by 4 of 13
- Xero · documented by 4 of 13
- BambooHR · documented by 3 of 13
- Greenhouse · documented by 3 of 13
- Carta · documented by 2 of 13
- ClearCo · documented by 2 of 13
- Great Plains · documented by 2 of 13
- HiBob · documented by 2 of 13
- JazzHR · documented by 2 of 13
Integrations each vendor documents (native, marketplace, Zapier, API or named by the vendor), 13 live PEO services products. Not documented does not mean not possible.
Where it ranks
- #21 of 24 scoredPEO Services
- #5 of 6 scoredPEO Services for Construction
- #2 of 3 scoredPEO Services for Franchises
- #19 of 20 scoredPEO Services for Mid-Sized Companies
- #21 of 23 scoredPEO Services for Small Business
FrankCrum alternatives
Compare FrankCrum
About FrankCrum
Official profiles
FrankCrum: frequently asked questions
Which industries does FrankCrum focus on?
Construction and skilled trades, professional services, medical offices and franchises.
Does FrankCrum serve small businesses?
FrankCrum serves small and mid-sized businesses: its pricing page says most of them find their total cost, with HR services, payroll, workers’ comp and benefits, comparable to or less than buying each piece separately. Workers’ comp insurance and claims management are part of every FrankCrum partnership, billed pay-as-you-go on each invoice. Where it ranks against other PEOs for that size: the best PEO services for small businesses.
What is FrankCrum used for?
FrankCrum, on the market since 1981, is a PEO services product built for small businesses and mid-market companies. Its modules include Payroll & Tax, HR Management, Workers' Compensation, Employee Benefits, Retirement Plans, and HR Tech & Team.
What are the best alternatives to FrankCrum?
In our PEO services ranking, the highest-scored products other than FrankCrum are Justworks, G&A Partners, and TriNet. Compared side by side, by reason to switch: FrankCrum alternatives.
Which is better, FrankCrum or Paychex PEO?
It depends on the team. Choose FrankCrum if: you want EPLI and cyber liability insurance in the PEO. Choose Paychex PEO if: you want an IRS-certified PEO. The full comparison: FrankCrum vs Paychex PEO.
What are the pros and cons of FrankCrum?
Strengths documented on the vendor’s own pages: own workers’ comp carrier, clear invoice lines, and insurance included. It is less suited to buyers who need a published per-employee price before a call.
Does FrankCrum have an API?
Yes. FrankCrum offers an API.
What does FrankCrum integrate with?
Documented examples include UKG, JazzHR, and bswift. Every documented connection: FrankCrum integrations.
Does FrankCrum have a mobile app?
Yes. FrankCrum lists mobile apps: FrankCrum (iOS).
How this page was made
What it is built from
17 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 23, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Passed our independent review on Nov 10, 2026. How we review
Hands-on testing
We have not tested FrankCrum hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction
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FrankCrumLeadChange Score 4.5
Sources
The 7 pages this page's facts come from. The date beside each is our last check of the facts taken from it (the oldest, when they differ). The numbers beside the figures above link here.
Quotes from the sources
- FrankCrum frankcrum.com/pricing“However, most small to mid-sized businesses find that their total cost (including all HR services, payroll, workers' comp, and benefits) is comparable to or less than what they were paying piecemeal.” “FrankCrum's PEO pricing is built around you—not a price list.”
- FrankCrum frankcrum.com/services/workers-compensation“Through our affiliated AM Best-rated carrier, Frank Winston Crum Insurance, you can access competitive rates, no down payment, and expert claims management”
- FrankCrum frankcrum.com/services/hr-technology“Our one-way API gives your technical team access to the workforce and expense data you need, when you want it, for better workflows from our system to yours.” “For clients who elect benefits through FrankCrum, MyFrankCrum gives direct access to bswift, our AI-driven benefits platform.”
- FrankCrum frankcrum.com/about/enterprise“Founded in 1981 and privately owned, the enterprise is based in Clearwater, Florida, and serves businesses across the U.S. through its PEO, insurance, and staffing organizations.” “Growing businesses, especially in construction and skilled trades, professional services, medical offices, and franchises.”
- FrankCrum frankcrum.com“Our #1 rated service ensures accurate, on-time payroll processing with responsive support when you need it.”
- FrankCrum (Apple App Store listing) apps.apple.com/us/app/frankcrum/id6473922548“FrankCrum The Future Begins Today”
- FrankCrum frankcrum.com/contact“Client Experience 800-277-1620” “800-277-1620 | 100 S. Missouri Avenue, Clearwater, FL 33756”
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