What Is PayComp?

Two worlds.
One platform.

PayComp connects the payroll world and the insurance carrier world — automatically, in real time. This page is your visual guide to every player, every product, and why it matters.

The Big Picture
The PayComp Ecosystem
Payroll providers on the left. Insurance carriers on the right. PayComp sits in the middle — processing the data, placing the policies, moving the money, and watching everything in real time.
PayComp Platform — Live Ecosystem Map
PAYROLL WORLD GUSTO ADP PAYCHEX + 1,000 payroll providers payroll data → WOPR Parsing Engine ⚡ active dev $ RELAY™ ACH premium payments CompConnect™ 160+ carriers compete C1 C2 … Best rate wins → policy bound PAYCOMP PAY-AS-YOU-GO PLATFORM ATLAS See Everything. Know Everything. → policy placed ← premium confirmed CARRIER WORLD 160+ CARRIERS COMPETING FOR YOUR BUSINESS regional + national carriers "Two worlds that couldn't talk to each other. PayComp is the bridge — automatic, real-time, audit-proof."
The Four Products
Who does what
Each product has a specific job. Together, they handle everything from intake to payment to visibility.
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ATLAS
The all-seeing eye. Real-time dashboard for premiums, payments, and coverage. Watches everything across the whole platform.
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CompConnect™
The marketplace. 160+ carriers compete for each client. We place the policy, handle renewals, audits, and claims. Partners just refer.
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Relay™
The money rails. Moves premium payments via ACH automatically — timed to every payroll run. No manual invoicing, no surprises.
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WOPR Engine
The engine room. The Parsing Engine that reads payroll data, normalizes it, and routes it to the right carrier in the right format.
The Problem We Solve
Before PayComp vs. After PayComp
Before PayComp, two worlds existed in total isolation. Manual spreadsheets, phone calls, guesswork — and a giant audit bill at the end of every year. See what changed.
Before & After — The PayComp Effect
BEFORE PAYCOMP The Broken World CHAOS PAYROLL ✕ ✕ ✕ CARRIERS AUDIT $$$! Manual spreadsheets No connection data in the gap Audit shock every December Data falls through the gaps VS NOW WITH PAYCOMP Connected. Automated. Real-Time. PAYROLL ATLAS PAYCOMP PLATFORM CompConnect™ 160+ carriers compete Relay™ ACH payments · auto WOPR Engine parsing · processing CARRIERS 160+ ✓ Auto data every pay run ✓ Real-time premiums ✓ Best carrier auto-selected ✓ Zero audit surprises "Before PayComp: two worlds, totally disconnected. After PayComp: one platform, fully automatic."
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The old way was broken by design

Every year, payroll providers sent estimates to carriers. Carriers priced policies based on those estimates. At year end, an auditor compared estimates to reality — and someone got a bill nobody saw coming. That was the industry standard.

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PayComp flips the model entirely

Instead of estimates, PayComp uses actual payroll data — every two weeks, every pay run. Premiums are calculated on real numbers in real time. The audit becomes a formality, not a crisis. No surprises. Ever.

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The STACK Framework is how we build it

Every carrier-payroll relationship goes through five phases: Signal → Transform → Assess → Check → Keys. STACK measures how automated each phase is. The Parsing Engine is what drives that automation — and it's what we're actively building.

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The goal: 85%+ automation across all 51 clients

Today, the average relationship is around 34% automated. Every sprint, every phase we close, moves that number up. Full automation means the system runs without manual intervention — and the team focuses on growth, not spreadsheets.