Head to head

PeopleKeep vs PlanSource

Same facts, side by side: starting price, free tier, MCP, API and what each one is actually built for.

PeopleKeep

$12/employee/mo

PeopleKeep is Remodel Health's HRA administration product. Group coverage HRA (GCHRA) is $12 per employee per month plus a $30 company base fee. QSEHRA and ICHRA start at $25 per employee per month plus a $50 base. A three-seat minimum applies on every plan.

Where PeopleKeep fits

  • US small employers replacing a group medical plan with a QSEHRA
  • Companies of any size that want an ICHRA instead of, or beside, a group plan
  • Employers that already have group coverage and want a GCHRA for out-of-pocket medical costs
  • HR and finance teams that need receipt review and plan documents without building an HRA in-house

PlanSource

Sales-quoted

PlanSource is mid-market multi-carrier benefits administration for employers, consultants, and carriers. Pricing is quoted on a custom ordering document (Core, Core+, Premium). It is not a broker-channel SKU.

Where PlanSource fits

  • US mid-market employers (roughly 200 to 10,000 employees) running multi-carrier benefits
  • HR teams that want employee self-service enrollment, ACA, and COBRA on one platform
  • Orgs already on Workday, UKG, or SAP SuccessFactors that need a benefits layer
  • Employers that will buy direct rather than through a broker portal

At a glance

DetailPeopleKeepPlanSource
Starting price$12/employee/moSales-quoted
Free tier–No–No
MCP server–No–No
Public API–No–No
Listed underBenefits administrationBenefits administration
Capterra4.5 from 89 reviews3.9 from 15 reviews

Where they pull apart

PeopleKeep

Stands out: Employers pick QSEHRA (under 50 employees, no group plan), ICHRA (any size, individual policies), or GCHRA (a supplement on top of an existing group policy). Unused GCHRA allowance stays with the employer.

Watch out: Three seats are billed even if you have one or two employees. QSEHRA and ICHRA add a $50 monthly base. Annual QSEHRA is prepaid for the year.

Not the right fit for

  • Buyers who want a full PEO, payroll, and benefits suite rather than an HRA administrator
  • Teams outside the US. PeopleKeep administers US HRA rules

PlanSource

Stands out: DecisionIQ, DependentIQ, and InsightsIQ support enrollment decisions and document checks. DependentIQ is cited as verifying nearly 95% of required documents. Carrier connections run through the Boost program.

Watch out: Fees are PEPM-style and custom. A public city contract showed $3.25 per benefits-eligible employee per month plus $15,000 implementation, which is a sample order, not a rate card. Payroll stays in Workday, UKG, or Paylocity.

Not the right fit for

  • Insurance brokers who need an agency book-of-business platform (see Employee Navigator)
  • Very small employers that want Gusto-class payroll-plus-benefits in one SKU

Pros and cons

PeopleKeep

  • Published PEPM tables for QSEHRA, ICHRA, and GCHRA instead of a hidden quote
  • GCHRA at $12/employee/mo is a cheap supplement when you already buy group medical
  • Capterra 4.5 from 89 matching PeopleKeep reviews
  • Three-seat minimum inflates cost for one- and two-person shops
  • QSEHRA and ICHRA add a $50 monthly base on top of $25 PEPM
  • It is HRA administration only, not payroll, dental shopping, or a PEO

PlanSource

  • Multi-carrier benefits admin aimed at mid-market employers, not a broker portal
  • DependentIQ and DecisionIQ for document checks and enrollment guidance
  • HCM companions for Workday, UKG, Paylocity, and SAP SuccessFactors
  • Quoted only. Custom ordering document, no public PEPM card
  • Capterra 3.9 from 15 reviews is mixed on ease and support
  • Not a payroll system. You still need an HCM or payroll host

What each one costs

PeopleKeep

$12/employee/mo

GCHRA is $12 per employee per month plus a $30 company base fee. QSEHRA is $25 per employee per month plus a $50 base, for employers with fewer than 50 employees. ICHRA starts at $25 per employee per month plus a $50 base, with no charge for opted-out employees. Every plan has a three-seat minimum. Annual QSEHRA is prepaid. Confirm current terms on the vendor site.

Checked 19 Sep 2026

PlanSource

Sales-quoted

PlanSource quotes Core, Core+, and Premium on a custom ordering document. The vendor does not publish a public PEPM table. Benefits administration, open enrollment, ACA, and COBRA are in scope. Implementation is scoped separately. Confirm current terms on the vendor site.

Checked 19 Sep 2026

Common questions

Can you try PeopleKeep or PlanSource for free?
Neither carries a free tier on our listing.

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Editorial listings, never paid rankings. Prices checked 19 Sep 2026. Confirm current terms on the vendor site. Spot an error?