Supplemental Services
Third Party Services & Integrations
These partners are integrated with the AccuPay ecosystem to make your life easier. We DO NOT charge you to use these integrations. They are for your convenience, but you pay each provider for the services you use.
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Workers Comp
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Background Screening
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Retirement
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Insurance
Cerity
AP Intego
E-Comp
Cerity (backed by Employer's Insurance) is a modern company with cutting edge technology to partner with payroll companies such as AccuPay to simply the workers' comp insurance underwriting process.
AP Intego is one of the largest insurance aggregators in the country. Our partnership avails the largest number of A-rated insurance carriers under one roof to our clients.
From our payroll system, payroll data automatically feeds into AP Intego's system for Pay As You Go billing. Insurance premiums are accurately based on the amount of payroll, ensuring accurate billing and NO policy period-end surprises.
E-Comp is our oldest workers comp partner. With their wide network of carriers (over 23), you are guaranteed to get a competitive quote since each carrier is competing for your business.
We have enjoyed E-comp's customer service since we became partners in 2015.
When payroll is processed, the payroll data feeds into E-Comp's billing system, and you are billed for the exact amount based on the payroll.
What is Workers Comp?
Workers compensation provides wages and medical benefits in case of an on-the-job injury. In exchange, the employee gives up his or her right to sue the employer for compensation.
We provide Pay As You Go Workers Compensation plans where you pay the premium based on your payroll run rather than deposits or upfront payments.
Most states mandate employers to carry workers comp insurance coverage because it protects the employer from potential lawsuits by employees.
Most importantly it also protects employees from abusive employers (companies who fail to provide the right tools and good working conditions for their employees).
How is PAY AS YOU GO Different?
Pay As You Go (PAYG) is the kind of Workers Comp plan that allows you to pay the exact amount of workers compensation premium based on your payroll actual payroll amounts after every pay run. Therefore, PAYG Workers Comp is different and better than the traditional plan since there is no deposit or down payment.
What does that mean?
Well, your premium is calculated on actual payroll hence making audits are also extremely simplified (almost non-existent). Consequently, PAYG saves everyone involved valuable time and money!
Want to learn a little more? See the chart below for a comparison between traditional and PAYG.
Traditional Workers Comp | Pay-As-You-Go Workers Comp | |
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Deposit/Down Payment | The employer is subject to a minimum of 10-25% of the annual estimated premium | PAYG does not require a deposit or down payment |
Premium | The annual premium is estimated based on projected payroll for the entire year | Premium is actual. It is calculated on payroll at each pay period. |
Audits | Traditional workers comp requires actual on site audit (or sending actual reports), documentation and possibly additional premiums could be either due or refunded | Audits are handled internally in most cases. No additional paperwork is needed and there is very minimal adjustments, if any |
PAYG Policy Advantages
- No deposit or down payment and no large premium down payments
- Competitive insurance rates
- Access to multiple carriers
- Eliminates year-end audit adjustments
- Premium is calculated on actual payroll
- Improved cash flow management
- Simplified audit process with minimal adjustments, saving you time and money
- Automated submission and reporting process through AccuPay
- No monthly billing or finance fees
Comprehensive Background Screening Services
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TransUnion
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VerifiedFirst
Online employment screening in minutes, not days
Great results in 3 easy steps
Account Creation
Create an account and send a screening request to your applicant
Applicant Information
The applicant enters their personal information. Then their identity is authenticated
Report Delivery
The reports are delivered to you and your applicants in minutes
National Criminal Report
National criminal reports delivered within minutes
- Criminal records searched from both state and national databases
- Most Wanted Databases
- Fewer false positive results due to enhanced record matching
Full Credit Report
Credit reports formatted for employment screening
- Delivered directly from TransUnion
- FCRA-regulated data
- Full credit reports available 24/7 online
Convenient access to high quality reports helps you pick the right applicant so you can get back to work.
Background screening integrated with AccuPay
Hire your employees confidently by first checking their backgrounds without leaving the AccuPay platform.
Simplify your hiring process with our convenient and user-friendly services!
- Rapid turnaround time for most clear searches lets you onboard new hires faster
- Expedite the hiring process and make it easier on job candidates by sending them a text message with a link to initiate the background check
- U.S.-based client care team with a 97% satisfaction rating and a less than 30 second hold time— we are ready and waiting to assist you!
- Competitive pricing and custom-designed search packages to meet the needs of your industry
- No commitment, no minimums—you only pay for what you order
- User-friendly system lets you order screens with a minimal number of clicks, saving you time and effort
- FCRA Compliance is streamlined with online disclosure, authorization, and adverse action forms
Verified Basics
$
18.00
- Nationwide Criminal Database (see note 1)
- Criminal information Database Verification (see note 2)
- Social Security Address Trace (see note 3)
Verified Plus
$
32.00
- Nationwide Criminal Database (see note 1)
- Criminal information Database Verification (see note 2)
- Social Security Address Trace (see note 3)
- Nationwide Sex Offender Registry
- County Criminal Records (see note 4 & 5)
Verified Preferred
$
39.00
- Nationwide Criminal Database (see note 1)
- Criminal information Database Verification (see note 2)
- Social Security Address Trace (see note 3)
- Nationwide Sex Offender Registry
- 7-Year Unlimited County Criminal Records (see note 4 & 5)
Verified Executive
$
89.00
Everything from
VERIFIED PREFERRED
plus
- 7-Year Unlimited Federal Criminal Records
- County Civil Records, Upper and Lower Court
- Employment Credit Report
- Bankruptcy Filings
NOTES
- Includes Sex Offender, Global Homeland Security and Office of Foreign Asset Control database searches
- Individual products billed at quoted price. Prices exclude any pass-through access, or data fees
- Address history from credit headers, utilities etc. Does not determine the eligibility of employees to work in the US. Crosschecks with Social Security Death Index
- Counties listed on Social Security Address Trace. Prices exclude any pass-through access, or data fees
- Certain industries capped at three counties
Additional searches and Drug Testing available upon request. Get more details.
Human Interest
Ubiquity
Human Interest 401(k)
Easy for you and Affordable for your Employees

60,000+
have participated to date
2,000+
participating companies
70-93%
participation rate with Human Interest vs. an industry average of 34%
Get no setup fees (a $499 value) plus one month of Human Interest for free.
Plus, receive up to $4,000* if you sign up with both AccuPay Systems and Human Interest.
Easy setup and administration
Say goodbye to the manual work of setting up and managing a 401(k). We handle compliance, recordkeeping, and updating employee information every payroll cycle.
“Low-Touch” integration with AccuPay Systems
Human Interest’s integration with AccuPay Systems eliminates the burden of managing a 401(k) by syncing to payroll, processing contributions, and handling employee contribution rates changes.
Unbiased investment advice
Employees can access built-in investment advice with personalized features from an SEC-Registered Investment Advisor2. The plan administrator has the option to choose and manage their funds or choose to work with their financial advisor too
Affordable, high-quality investment options
We aim to keep fees low — and transparent — for both employers and employees. Through our platform, employees can access low-cost Vanguard index funds from every major asset class and risk category. We also give access to almost any mutual fund or low-cost index fund available on the open market.
Continuous account management
Human Interest provides ongoing support for administrators and employees through our account management team, and we manage the entire setup process.
Transparent pricing
Human Interest’s 401(k) includes recordkeeping, compliance services, full account setup, flexible plan design options, and reporting.
Employers who sign up in time can also take advantage of up to $15,0003 in tax credits. One-time $499 setup fee.
Additionally, employee accounts will be assessed4 0.50% of the account balance + 0.07% average fund fees per year, versus industry average fees of 1.89% of account balances.
Plans start at
$120
per month
+$4
per employee
per month
Find our transparent pricing through this pricing sheet.
Traditional providers vs. Human Interest
Traditional providers have built their business on administering large 401(k) plans. They have not built the technology and automation required to efficiently run small plans.
Human Interest’s fully automated 401(k) plans can be set up online without ongoing administration and at about half the cost of traditional 401(k)s
Ubiquity 401(k) For Small Businesses
A 401(k) is no longer a benefit reserved exclusively for large businesses with budgets to match.
Now, smaller businesses and their employees can reap the rewards of having this valuable investment vehicle in place, without the big price tag to go along with it.
401(k) Plans Offered
Express (k)
The 401(k) fast-lane
Express(k) delivers all the essentials of a 401(k) plan in one easy, ready-to-go solution.
Express(k) might be right for you if any or all of these statements ring true:
- You just want a plan in place quickly.
- You don’t want to think about it much.
- You'd like to keep this very simple.
Custom (k)
Your plan, your way
Custom(k) offers the greatest flexibility of options in a plan that’s designed just for your business.
Custom(k) might be a good fit if any or all of this sounds familiar to you:
- You want a custom-made plan.
- You want to maximize your savings.
- You want flexible investment options.
What you get | Express(k) | Custom(k) |
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Maximum Individual Savings of $19,500 ($26,000 if over 50 - 2020 and 2021) | ||
Suitable for 2 – 100+ Employees | ||
Ability to Borrow From Your Plan (Loan) | ||
Self-Directed Brokerage Option | ||
Ability to Customize Eligibility and Vesting | ||
Roth 401(k) Option (After-Tax Contribution) | ||
New Comparability (Profit-Sharing) Option (see note below) | ||
Human Support When You Need It | ||
Rock-Star Status For Having a 401(k) Plan in Place |
NOTE: New Comparability is a type of profit-sharing plan that is designed to maximize the amount contributed to a select group while minimizing the total cost of contributions to employees.
Cost comparison
Our retirement plans are built to meet the needs and, perhaps more importantly, the budget of your small business.
Unlike some 401(k) plans, Express(k) and Custom(k) are built on a flat-fee pricing structure. In other words, we don’t make money on the amount of money held in your plan.
What this means to you and your employees is that you won’t pay more in fees just because your plan balance grows. If you put more money away, you should get more out of it.
Number of Employees | Express (k) Monthly Fee | Custom (k) Monthly Fee |
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2 - 15 | $115.00 | $165.00 |
16 - 30 | $125.00 | $175.00 |
31 - 50 | $155.00 | $225.00 |
51 - 75 | $200.00 | $300.00 |
76 - 100 | $250.00 | $350.00 |
101 + | $325.00 | $500.00 |
NOTES: One-time setup fee of $495.00 applies to both Express(k) and Custom(k) plans
What is a 401(k) Plan
A 401(k) allows you to save for retirement by putting away money on a pre-tax basis, which helps you to lower your taxable income. This means you’ll get less of a tax bite on your annual salary in the short term, while your long-term investments grow tax-free until you’re ready to retire.
Some 401(k) plan providers also offer an after-tax (Roth) option, which means you won’t be taxed at the time you withdraw that money because you’ve already paid taxes on it.
The 401(k) Basics
Employee Contributions
Contributions (also called “deferrals”) refer to the money put into a 401(k) plan. You can have up to $19,500 (2020 and 2021) deducted from your paycheck and contributed to the plan. If you are age 50 or older, you can contribute an extra $6,500, for a total of $26,000 (2020 and 2021)
Employer Contributions
Employer match is optional. If the employer chooses to, it is either an all-employees profit-sharing plan or a match to each participant's 401(k) contribution (up to $37,500 in 2020 and $38,500 in 2021). Employer contributions are tax-deferred and tax-deductible.
Total Contributions
The maximum contributions allowed per individual (employee and employer) is $57,000 ($58,000 in 2021). If age 50 or older, include your $6,500 catch up). This means if you put away the full $19,500 in individual contributions and $37,500 ($38,500 for 2021) employer contribution
Health insurance & other employee benefits
We provide employee benefit options, Medi-Care, life insurance and retirement services throughout California and several other states. We are devoted to offering the best employee benefit packages for small to large group businesses and the self-employed.
We offer unique business services and concepts to make sure our clientele not only save money but also receive the best possible coverage.
Our ideal customer are:
- Small & large groups needing employee health benefits
- Individuals looking for medical insurance
- Turning 65/Medi-care
- In need of life insurance/disability
- In need of long-term care
- In need of dental, vision and chiropractic insurance
Our Services
Health insurance for small and large groups
We provide expert advice in making the best decision possible when it comes to health coverage for your business or family. We service all business sizes from small to large groups. We will consult with your business at no charge and will explain all your options and assist in your decision process.
Individual and Family plans are available through Covered California and Off Exchange. We are appointed with all carriers to provide you with the best options possible. We also offer Health Sharing, and we are happy to explain this option.Employee benefits
Our team will consult with your business and employees and advise at no cost to help ensure that your employee’s benefits fit your budget and get you the best possible coverage and service.
Disability Insurance
We offer individual and group disability insurance to help cover expenses when you are to sick or injured to work.
Medi-Care support and coverage
If you are turning 65 or considering retirement and are moving from group coverage to Medi-Care, there are several items to consider that can have an adverse effect on your retirement planning. We have years of experience in guiding our clientele through the A, B, C and even the D’s of Medi-Care.
Life insurance
This could be one of the most important decisions that a person can make for the protection of your family. We offer permanent and term life insurance from only A- rated companies. We offer guaranteed acceptance for group life as well as individual guaranteed acceptance.
Financial Planning
We help customers throughout California to help plan for retirement, unemployment, and the unexpected.
Business protection planning
We can help you get policies for business overhead expense, salary expense, mortgage expense, and key-man policy.