PEO Authority

FrankCrum

National PEO
Clearwater, FL·Founded 1981·2-500 employees
No reviews yet·
All 50
States Served
5
Services
6
Industries
2-500
Employees

About FrankCrum

A family-owned PEO based in Florida serving businesses nationwide with 2-500 employees. FrankCrum is one of the few PEOs with its own insurance company, enabling highly competitive workers comp rates.

Certification Status

Not IRS CPEO Certified

FrankCrum does not currently hold IRS CPEO certification. This does not necessarily indicate a problem — many reputable PEOs operate without it. We recommend verifying their financial stability, NAPEO membership, and state licensing directly.

Why businesses choose FrankCrum

✓Only major PEO with its own in-house workers' compensation insurance carrier (Frank Winston Crum Insurance)
✓Founded 1981 — one of the oldest continuously operating family-owned PEOs in the United States
✓4,700+ businesses and 100,000+ employees served nationwide across all 50 states
✓Proprietary tech suite: MyFrankCrum portal, FrankAdvice HR consulting, TrainingHub LMS, and AskEmma AI benefits assistant
✓Ranked 25th on Florida Trend's 2025 list of the state's largest companies
✓Actively expanding into Texas, Arizona, and California with on-the-ground sales teams in 2025
✓Particularly strong for construction, skilled trades, professional services, medical offices, and franchises

Company Details

Headquarters
Clearwater, FL
Founded
1981
Employees Served
2-500
CPEO Certified
No
Coverage
Nationwide
Company Type
National PEO

FrankCrum in Your State

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

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Pros & Cons

+
Pros
✓
In-house workers' comp carrier
Frank Winston Crum Insurance is FrankCrum's own licensed carrier — unique control over rates, claims, and outcomes.
✓
Family-owned longevity
Founded 1981 and continuously family-owned — rare stability and cultural consistency in the PEO market.
✓
Proprietary technology
MyFrankCrum portal, FrankAdvice consulting, TrainingHub LMS, and AskEmma AI benefits assistant are all purpose-built.
✓
Service reputation
Consistently praised for responsive, knowledgeable support and above-average client retention.
✓
National expansion
Growing into Texas, Arizona, and California in 2025 with dedicated on-the-ground sales teams.
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Cons
−
Southeast-centric history
Historically strongest in Florida and the Southeast — national presence still building in 2025-2026.
−
No transparent pricing
Custom quotes only — pricing not published online.
−
Smaller brand in tech markets
Less recognition in tech-forward markets compared to Rippling, Justworks, or ADP TotalSource.
PEO Authority Editorial Note

FrankCrum's in-house workers' compensation carrier is a genuine competitive advantage that no other major PEO can replicate. For businesses in construction, trades, healthcare, or any industry where workers' comp rates and claims management significantly affect costs, FrankCrum's integrated carrier model can deliver meaningful savings and better claim outcomes. Best for: businesses in construction, skilled trades, medical offices, and franchises where workers' comp is a significant cost driver, and companies that value a family-owned, client-first culture.

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