YCO & Associates

What YCO & Associates does

YCO & Associates is a family-owned Professional Employer Organization (PEO) and HR outsourcing firm headquartered in Cape Coral, Florida, operating across Florida, Georgia, Missouri, and Indiana since its founding in 1999. The company delivers co-employment, payroll processing, workers' compensation insurance, commercial insurance brokerage (General Liability, EPLI, Cyber, D&O, E&O, Crime, Property, Commercial Auto), employee benefits administration, risk management, and claims management services to small and medium-sized businesses. PEO services are delivered through a sister entity, 3J & Associates, LLC, which acts as the internal licensed PEO provider and brokerage firm, while YCO & Associates, Inc. serves as the insurance agency and payroll services arm.

The firm runs a cloud-based payroll platform (client onboarding began Fall 2021) secured with 256-bit encryption and backed by $5M of cyber insurance, accessible via an HCM client portal (hcm.worklogiceps.com). Underlying workflows are largely service-mediated rather than software-automated, with no public API, no disclosed AI/ML capability, and no patents or proprietary technology beyond the payroll platform. Insurance distribution is supported by relationships with multiple AM Best A-Rated carriers including Travelers, Nationwide, Progressive, Continental Casualty, American Bankers Insurance, and Allied Insurance.

YCO monetizes through monthly recurring administrative fees for PEO and payroll services, insurance brokerage commissions, and professional services fees for risk and claims management. Pricing is quote-based with no public tiers, and customer acquisition is relationship-driven via direct phone outreach (239.797.4497), free consultations, a website contact funnel, email newsletter, and chamber of commerce memberships. The customer base is horizontal SMB across professional services and trades, with no disclosed enterprise anchors.

Name

YCO & Associates

Legal name

YCO & Associates, Inc.

Website

https://ycoffice.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

YCO & Associates is a family-owned PEO and HR outsourcing firm serving small and medium-sized businesses in Florida, Georgia, Missouri, and Indiana with payroll processing, workers' compensation, commercial insurance brokerage, employee benefits, and risk and claims management services.

Ownership category

akta.pro rank

Product category

Professional Employer Organization (PEO) Services

NAICS

Professional Employer Organizations (561330), Professional Employer Organizations (56133), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Services-Employment Agencies (7361), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Professional Employer Organization (PEO) / Co-Employment Services (BPACAHAB)

akta.pro secondary industries

Workforce Compliance & Employment Law Risk Management (Local Labor Law, Tax, Statutory) (BPACAHAH), Onboarding, Offboarding & Employee Lifecycle Administration (BPACAHAL), Workers’ Compensation Insurance for Staffing/PEO & Contingent Workforce (FSAJAEAE), Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD)

Keywords

• Professional employer organization
• Payroll processing services
• Workers compensation insurance
• HR outsourcing services
• Risk management consulting

Headquarters

HQ city

Cape Coral

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. PEO Services: Professional Employer Organization services providing co-employment, HR administration, employee benefits access, workers' comp insurance, and regulatory compliance. Revenue likely generated through administrative fees and co-employment arrangements.
2. Payroll Processing Services: Full-service payroll processing including preparation, distribution, tax submission, record-keeping, and Workers' Compensation collections. Offered as 'Administrative Service Only' program for businesses wanting payroll liability protection.
3. Commercial Insurance: Full-service insurance agency offering General Liability, Property, Business Interruption, Workers' Compensation, Commercial Auto, EPLI, Cyber Liability, D&O, E&O, and Crime Coverage. Revenue through insurance premiums and brokerage fees.
4. Claims & Risk Management: Risk management services including safety assessments, claims management, and compliance support. Revenue generated through service fees for risk reduction and claims handling.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

YCO & Associates, Inc. is a family-owned Professional Employer Organization (PEO) and HR outsourcing firm that delivers co-employment arrangements, payroll processing, risk and safety management, workers' compensation and commercial insurance brokerage, and employee benefits administration to small and medium businesses in Florida, Georgia, Missouri, and Indiana. Through sister entity 3J & Associates, LLC, it provides licensed PEO services and brokerage while YCO & Associates, Inc. serves as the insurance agency and payroll services provider.

Product overview

YCO & Associates operates as a service-based Professional Employer Organization (PEO) and HR outsourcing company, not a software product company. The company functions as a unified platform of complementary HR services delivered through two sub-brands: 3J & Associates, LLC (Internal Licensed Provider of PEO services and PEO Brokerage Firm) and YCO & Associates, Inc. (Insurance Agency and Payroll Services Provider). Together, these entities provide a comprehensive suite of co-employment, payroll processing, risk and claims management, commercial insurance, employee benefits administration, and safety management services primarily for small to medium businesses in Florida, Georgia, Missouri, and Indiana. The core offering centers on co-employment arrangements through PEO services, supported by cloud-based payroll infrastructure, that enable businesses to outsource non-revenue generating administrative tasks.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 45% of workweek reclaimed through HR outsourcing
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• 3J & Associates, LLCcoreStrategic or Co-development Partner3J & Associates, LLC is the Internal Licensed Provider of PEO services and PEO Brokerage Firm. YCO & Associates, Inc serves as the Insurance Agency & Payroll Services Provider. Together, the two companies provide a comprehensive 'powerhouse duo' offering PEO, HR, insurance, and payroll services to small businesses.
• Allied Insurance Company of AmericaminorOthersInsurance carrier partner providing commercial and business insurance products.
• American Bankers Insurance Company of FloridaminorOthersInsurance carrier partner providing commercial and business insurance products.
• Continental Casualty CompanyminorOthersInsurance carrier partner providing commercial and business insurance products.
• Nationwide Insurance CompanyminorOthersInsurance carrier partner providing commercial and business insurance products.
• The Travelers Indemnity CompanyminorOthersInsurance carrier partner providing commercial and business insurance products.
• Progressive Express Insurance CompanyminorOthersInsurance carrier partner providing commercial and business insurance products.
• Cape Coral, FL Chamber of CommerceminorOthersLocal chamber of commerce membership for community engagement and business networking.
• Blairsville Union County Chamber of CommerceminorOthersLocal chamber of commerce membership for community engagement and business networking.
• Lake Area Chamber of Commerce (MO)minorOthersLocal chamber of commerce membership for community engagement and business networking.
• National Association of Professional Employer Organizations (NAPEO)minorOthersIndustry association membership providing credibility, networking, and industry research including statistics on PEO effectiveness (50% less business failure, 14% less turnover).

Scale indicators8 records

Expansion highlights4 records

Direct peers

• CoAdvantage: PEO providing co-employment, HR, payroll, benefits, and workers' compensation to SMBs across multiple states. Comparable service mix and target customer, operating as a mid-size direct competitor to YCO.
• FrankCrum: Florida-headquartered PEO and HR outsourcing firm providing co-employment, payroll, benefits, and workers' comp. Highly comparable to YCO in geographic focus (strong Florida presence), service mix, and SMB target market — most direct regional peer.
• BBSI: Public PEO focused on small to mid-size businesses, particularly in construction, manufacturing, and agriculture, providing co-employment, workers' comp, payroll, and risk management. Closely comparable business model to YCO with similar SMB and risk-management emphasis.
• G&A Partners: Mid-market PEO offering co-employment, HR administration, payroll, benefits, and risk management to SMBs across multiple states. Directly comparable business model and customer profile to YCO.
• Oasis Outsourcing: PEO providing co-employment, HR, payroll, benefits administration, and workers' comp, owned by Focus Financial Partners and serving SMBs across multiple states. Closely mirrors YCO's service portfolio and customer segment.

Broad incumbents

• Insperity: One of the largest publicly traded PEOs in the US, providing co-employment, HR administration, employee benefits, payroll, and workers' comp to SMBs in all 50 states. Directly comparable to YCO's core PEO/co-employment offering but at materially greater scale and geographic reach.
• TriNet: National PEO serving small and mid-size businesses with co-employment, payroll, benefits (including health insurance), and HR technology. Comparable to YCO in service mix, but operates nationally with a more technology-forward HCM platform.
• ADP TotalSource: ADP's PEO division offering co-employment, payroll, benefits, and HR outsourcing to SMBs across the US. Closest direct competitor in service-line breadth, with substantially greater scale and brand recognition than YCO.
• Paychex PEO: Paychex's PEO/HR outsourcing arm providing co-employment, benefits administration, payroll, and workers' comp to SMBs. Direct comparable in service mix and SMB target market, with national reach and integrated payroll technology.

Emerging players

• Justworks: Tech-forward PEO serving small businesses with co-employment, payroll, benefits, and HR software via a self-serve platform. Comparable in service offering but differentiated by digital-first UX vs. YCO's concierge model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks1 record

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about YCO & Associates