Warp vs Justworks

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.

Warp is $35/employee/month—flat, all-inclusive, every feature. Justworks charges $79/employee for PEO Basic or $109/employee for PEO Plus (with benefits), and adds hidden markups on insurance premiums. For a 20-employee team, you'd save $10,000-$18,000+ per year switching to Warp, and the gap widens as you grow.

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. While Justworks focuses on US W-2 employees through their PEO model, Warp handles both US W-2 employees and international contractors in one platform. Pay contractors in 150+ countries with automatic 1099 filing for US-based contractors.