Charter HR offers a full range of employment management services, including payroll processing, workers' compensation administration, group health and supplemental benefits, retirement plans (401k), risk management and safety programs, HR compliance support, and employee onboarding. We also offer a Visa payroll card as a convenient option for employees who prefer not to use traditional direct deposit.

Flexibility is one of our core strengths. We offer three service models, and within each one, you choose exactly the services that fit your business:

•  Payroll Services: We handle payroll processing, tax deposits, filings, W-2s, and reporting. You select the specific services you need.

•  Administrative Services Only (ASO): We manage your payroll and related administration, but filings go under your own federal employer ID number. You retain more direct control while still offloading the work you choose.

•  Full PEO: Our most comprehensive option, covering payroll, benefits, workers' compensation, compliance support, risk management, and HR advisory services.

Across all three models, you pick the services that make sense for your business. Many of our clients start with payroll services and expand into full PEO as they see the value.

The main difference is how payroll taxes and filings are handled, and how much Charter HR takes on. With ASO, Charter HR handles your payroll processing, tax deposits, filings, and reporting, but everything is filed under your company's own federal employer identification number. You maintain more direct control over insurance and regulatory matters while choosing which administrative services you want us to manage. With full PEO, Charter HR becomes the employer of record and provides the most comprehensive support, including workers' compensation coverage, group benefits access, and deeper HR and compliance services. In both cases, you select the specific services that fit your needs.

Yes, and this is one of our strongest areas. Charter HR has a dedicated workers' compensation and employment claims specialist on staff. For full PEO clients, this expertise is included as part of your program. If you're on a payroll-only plan, you can still access this support on an as-needed, paid basis. Our team helps with claims management, return-to-work programs, on-site safety inspections, and keeping your business OSHA compliant.

Because we pool employees across many client companies, we can offer benefits that most small businesses could not access or afford on their own. Our benefits include group health insurance through Blue Cross Blue Shield of Alabama, dental, vision, and supplemental coverage (accident, cancer, disability, life), a 401(k) retirement plan, and several no-cost benefits for employees: a $10,000 life insurance policy, prescription discount card, employee assistance program, will preparation, and an online discount program. All benefits can be conveniently payroll-deducted.

Yes. Charter HR provides safety program and compliance audits, on-site training sessions, and ongoing consulting tailored to your specific workplace. Our team includes seasoned Workers' Compensation specialists and an Authorized OSHA General Industry Outreach Trainer. All PEO clients also receive access to BLR's TrainingToday, an award-winning online training platform with over 800 courses covering workplace safety, HR compliance, harassment prevention, leadership development, and more. Employees log in with their own credentials, complete courses on any device, and managers can track progress and access completion certificates.