CalmHR

ESAC AccreditedRegional PEOMD-Headquartered
Rockville, MD·Founded 2020·Serving 5-500 employees
No reviews yet·
31
States Served
4
Services
5
Industries
5-500
Serving

About CalmHR

CalmHR, Inc. is a Rockville, Maryland-based Professional Employer Organization founded in 2020 by Joe Appelbaum, who previously founded and led Potomac Insurance, an employee benefits brokerage he built starting in 1990 that later merged with Acrisure in 2022. CalmHR leverages that three-decade benefits brokerage background to focus specifically on legal practices, physician practices, financial services firms, government contractors, and nonprofit associations, positioning itself as a concierge, consultative PEO rather than a one-size-fits-all provider. Branded around a Keep It Simple Solution platform, CalmHR offers payroll, HR and benefits management, COBRA administration, ACA reporting, performance reviews, applicant tracking, time and attendance, flexible spending accounts, 401k administration, employee onboarding, and open enrollment support. CalmHR is ESAC accredited, an achievement it notes fewer than 5 percent of PEOs nationally maintain, and serves client businesses across a broad multi-state footprint from its Maryland headquarters.

Certifications

ESAC Accredited PEO
Certification active · Verified by PEO Authority
Certified ✓

ESAC accreditation is awarded by the Employer Services Assurance Corporation, the PEO industry's gold-standard independent accreditor. It requires a PEO to meet more than 40 financial, ethical, and operational standards on an ongoing basis. CalmHR holds ESAC accreditation — a distinction held by roughly 10% of PEOs in the United States.

Financial Assurance
ESAC backs accredited PEOs like CalmHR with over $15 million in surety bond coverage, protecting clients, employees, and taxing authorities.
Independent Audits
Accredited PEOs submit quarterly independent verifications of tax, benefit, and payroll obligations to maintain their accreditation.
Ethical & Operational Standards
CalmHR is continuously monitored against more than 40 financial, ethical, and operational standards set by ESAC's independent board.

Why businesses choose CalmHR

Founded in 2020 by a founder with three decades of employee benefits brokerage experience
ESAC accredited, an achievement the company notes fewer than 5 percent of PEOs nationally maintain
Specific focus on legal, physician, financial services, government contracting, and nonprofit clients
Keep It Simple Solution platform bundles payroll, benefits, COBRA, ACA reporting, and recruiting tools
Concierge, consultative service model positioned against one-size-fits-all PEO competitors
Founder background in benefits brokerage through Potomac Insurance, later merged with Acrisure

Company Details

Headquarters
Rockville, MD
Founded
2020
Serving
5-500 employees
CPEO Certified
No
ESAC Accredited
Yes - ESAC Verified
Coverage
31 states
Company Type
Regional PEO

CalmHR in Your State

Browse PEO options and compare providers in each state where CalmHR operates.

Pros & Cons

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Pros
Benefits brokerage pedigree
Founder built a three-decade benefits brokerage before launching CalmHR in 2020.
ESAC accredited
An achievement the company states fewer than 5 percent of PEOs nationally maintain.
Vertical specialization
Deep focus on legal, physician, financial services, government contracting, and nonprofit clients.
Bundled HR technology
Keep It Simple Solution platform covers payroll, benefits, COBRA, ACA reporting, and recruiting tools in one system.
Cons
No IRS CPEO certification
Does not currently hold the added federal tax liability protections of CPEO status.
Newer company
Founded in 2020, a shorter track record than PEOs with multi-decade operating histories.
Vertical focus may not fit every business
Its specialization in specific professional verticals may be less tailored for businesses outside those industries.
PEO Authority Editorial Note

CalmHR brings a benefits-brokerage pedigree to the PEO model — founder Joe Appelbaum spent three decades building Potomac Insurance before launching CalmHR in 2020, and that background shows in the specific verticals CalmHR targets: legal practices, physician offices, financial services firms, government contractors, and nonprofits. Its ESAC accreditation, an achievement the company states fewer than 5 percent of PEOs nationally maintain, adds real third-party verification. Best for: legal, healthcare, financial services, government contracting, and nonprofit organizations that want a consultative PEO with deep benefits brokerage roots.

Frequently Asked Questions

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