PEO Authority

Human Capital Concepts

IRS CPEO CertifiedRegional PEO
Indianapolis, IN·Founded 2005·5-300 employees
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6
States Served
6
Services
5
Industries
5-300
Employees

About Human Capital Concepts

Human Capital Concepts (HCC) is an Indianapolis, Indiana-based IRS CPEO certified Professional Employer Organization founded in 2007 by Steve Kellam. HCC was the first PEO in Indiana to receive IRS CPEO certification and one of the first in the United States to receive it in the first certification round. The company serves over 6,600 worksite employees across offices in Indianapolis, Nashville, and Richmond, Indiana. In February 2025, HCC was acquired by OneDigital — the nation's leading insurance brokerage and HR consulting firm — strengthening OneDigital's PEO presence in the north central region. HCC operates with a dedicated direct contact model: every client has a named specialist for payroll, benefits, and HR respectively — no call centers, no group emails. The company offers both PEO and ASO service models and backs its service with a satisfaction guarantee that includes a 50% fee refund within the first 90 days if expectations are not met.

IRS Certification

IRS Certified PEO (CPEO)
Certification active · Verified by PEO Authority
Certified ✓

The IRS Certified PEO (CPEO) designation is awarded by the Internal Revenue Service to PEO companies that meet rigorous standards for financial health, tax compliance, and operational integrity. Human Capital Concepts holds CPEO status — a distinction held by fewer than 15% of PEOs in the United States.

Federal Tax Liability
As a CPEO, Human Capital Concepts assumes sole liability for federal employment taxes on wages paid — protecting your business from tax exposure.
Annual Financial Audits
CPEOs undergo independent CPA audits annually and must maintain a surety bond, ensuring fiscal accountability and solvency.
IRS Reporting
Human Capital Concepts files employment taxes under their own EIN as CPEO, simplifying your year-end tax obligations and eliminating duplicate filings.

Why businesses choose Human Capital Concepts

✓First PEO in Indiana to receive IRS CPEO certification — and one of the first in the U.S.
✓Satisfaction guarantee — 50% refund of admin fees in first 90 days if not satisfied
✓Direct named contacts for payroll, benefits, and HR — no call centers or group emails
✓Acquired by OneDigital in February 2025 — backed by the nation's leading insurance and HR consulting firm
✓Offers both PEO co-employment and ASO administrative service models
✓6,600+ worksite employees across Indiana and Tennessee
✓Employment Practices Liability Insurance deductible coverage for clients who follow HCC recommendations

Company Details

Headquarters
Indianapolis, IN
Founded
2005
Employees Served
5-300
CPEO Certified
Yes - IRS Verified
Coverage
6 states
Company Type
Regional PEO

Human Capital Concepts in Your State

Browse PEO options and compare providers in each state where Human Capital Concepts operates.

IllinoisIndianaKentuckyMichiganOhioTennessee

Pros & Cons

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Pros
✓
Satisfaction guarantee
50% admin fee refund in first 90 days if not satisfied — one of the strongest guarantees in the industry.
✓
First Indiana CPEO
First PEO in Indiana to receive IRS CPEO certification — early mover with maximum credentials.
✓
Direct contact model
Named payroll, benefits, and HR specialists for every client — zero call center routing.
✓
OneDigital backing
Acquired by the nation's leading insurance brokerage firm in 2025 — significant added resources.
✓
Dual model flexibility
Offers both PEO co-employment and ASO administrative service arrangements.
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Cons
−
Acquisition integration
The 2025 OneDigital acquisition is recent — integration changes may affect service continuity.
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Midwest centric
Strongest in Indiana and Tennessee — national presence is still developing.
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No transparent pricing
Custom quotes required — no published rates online.
PEO Authority Editorial Note

HCC's 90-day satisfaction guarantee with a 50% fee refund is one of the boldest client commitments in the PEO industry — it signals genuine confidence in the service. The OneDigital acquisition adds financial firepower. Best for: small and mid-sized businesses in Indiana, Tennessee, and the north central region that want a highly credentialed, service-guaranteed PEO with direct access to dedicated specialists.

Frequently Asked Questions

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