Key HR vs Frank CrumWhich Florida PEO is Right for Your Business? (2026)
Both Key HR and Frank Crum are established Florida PEOs — but they serve different business needs. This comparison covers workers' comp, HR technology, accreditation, bilingual services, and pricing.
Editorial disclosure: Key HR operates this website. This comparison is written by the Key HR editorial team. Frank Crum information is based on publicly available data from frankcrum.com. We recommend Key HR for high-risk industries and bilingual workforces; Frank Crum may be a better fit for businesses prioritizing a large dedicated account team structure.
- Construction, roofing, landscaping, trades
- High-risk workers' comp classifications
- Bilingual workforces (English & Spanish)
- Businesses wanting ESAC-accredited PEO
- Month-to-month flexibility (no lock-in)
- Enwage proprietary HR platform included free
- Businesses valuing a large dedicated support team
- Companies seeking 44+ years of Florida experience
- Franchises and multi-location businesses
- Businesses prioritizing 93%+ client retention track record
- Companies wanting Learning & Development programs
- General industry businesses (not high-risk trades)
Key HR Differentiator: Enwage Platform
Key HR vs FrankCrum: Side-by-Side Comparison for Florida Businesses
Every Key HR client gets access to Enwage — Key HR's proprietary HR and payroll platform — at no additional cost. Enwage provides employee self-service (pay stubs, PTO, benefits enrollment), manager tools (onboarding, approvals, reporting), and multi-state payroll, all accessible via web and mobile app in both English and Spanish. Frank Crum offers their MyFrankCrum platform, but Enwage's bilingual support and high-risk payroll capabilities are specifically built for Florida's diverse workforce.
Detailed Feature Comparison
| Feature | Key HR | Frank Crum |
|---|---|---|
| Accreditation & Certification | ||
| ESAC Accredited (top 5% of PEOs) | ||
| NAPEO Member | ||
| IRS Certified PEO | ||
| Industry Coverage | ||
| High-risk industries (construction, roofing, trades) | ||
| Restaurants & hospitality | ||
| Franchises | ||
| Workers' Comp | ||
| Specialized high-risk workers' comp | ||
| Potential workers’ compensation savings (not guaranteed) | ||
| Pay-as-you-go workers' comp | ||
| HR Technology | ||
| Proprietary HR platform (Enwage) | ||
| Employee self-service portal | ||
| Mobile app (iOS & Android) | ||
| Spanish-language platform | ||
| HR & Compliance | ||
| Bilingual HR team (English & Spanish) | ||
| Florida-specific compliance expertise | ||
| Drug-Free Workplace Program | ||
| Contracts & Pricing | ||
| Month-to-month (no long-term contract) | ||
| Experience | ||
| 30+ years in Florida | ||
| Inc. 5000 (3 consecutive years) | ||
| 93%+ client retention rate | ||
In-Depth Analysis
Workers' Compensation
This is where Key HR and Frank Crum diverge most significantly. Key HR specializes in workers' comp for high-risk industries — construction, roofing, landscaping, demolition, and trades — and can deliver potential workers’ compensation savings, subject to underwriting and individual employer circumstances. Key HR's pay-as-you-go workers' comp eliminates large upfront deposits and year-end audits. Frank Crum offers workers' comp as part of their PEO package but does not specialize in high-risk classifications the way Key HR does. For standard office or retail businesses, Frank Crum's workers' comp coverage is competitive; for trade businesses, Key HR is the stronger choice.
HR Technology: Enwage vs MyFrankCrum
Both PEOs include proprietary HR platforms. Key HR's Enwage platform provides employee self-service, manager tools, multi-state payroll, and integrations with QuickBooks, Xero, and major time clock systems — all in English and Spanish at no additional cost. Frank Crum's MyFrankCrum platform offers similar employee self-service and onboarding capabilities. The key differentiator is Enwage's bilingual interface, which is essential for Florida businesses with Spanish-speaking workforces in construction, hospitality, and agriculture.
Accreditation
Key HR holds ESAC accreditation — the highest independent accreditation in the PEO industry, held by fewer than 5% of all PEOs. ESAC requires independent audits of financial stability, ethical conduct, and operational reliability, and provides a financial assurance bond protecting client payroll funds. Frank Crum is a NAPEO member with a strong 44-year track record and 93% client retention, but does not currently hold ESAC accreditation. For businesses where financial assurance is a priority, Key HR's ESAC status provides an additional layer of protection.
Bilingual Services
Key HR offers a fully bilingual HR team and Spanish-language employee communications — a significant advantage for Florida businesses in construction, hospitality, landscaping, and agriculture where a substantial portion of the workforce is Spanish-speaking. Frank Crum does not prominently advertise bilingual HR services. For businesses where Spanish-language support is important for employee relations, compliance, and onboarding, Key HR is the clear choice.
Frequently Asked Questions
How does Key HR compare to Frank Crum?
Key HR and Frank Crum are both Florida-based PEOs with strong local reputations. Frank Crum, founded in 1981, serves over 4,700 businesses and is known for dedicated account teams and a strong client retention rate. Key HR differentiates on high-risk industry workers' comp, bilingual HR services, the proprietary Enwage platform, and ESAC accreditation. For businesses in construction, roofing, or trades needing specialized workers' comp, Key HR typically offers better coverage and cost savings.
Is Key HR or Frank Crum better for high-risk industries?
Key HR is the stronger choice for high-risk industries such as construction, roofing, landscaping, and trades. Key HR specializes in workers' comp for high-risk classifications and can deliver potential workers’ compensation savings, subject to underwriting and individual employer circumstances. Frank Crum serves a broad range of industries but is not specifically focused on high-risk workers' comp the way Key HR is.
Does Frank Crum have ESAC accreditation?
Frank Crum is a NAPEO member and has been in business since 1981 with a strong track record. Key HR holds ESAC accreditation — the highest independent accreditation in the PEO industry, held by fewer than 5% of all PEOs — which provides an additional layer of financial and operational assurance for clients.
Which PEO is better for a bilingual workforce — Key HR or Frank Crum?
Key HR is the better choice for businesses with Spanish-speaking employees. Key HR offers a fully bilingual HR team, Spanish-language employee communications, and the Enwage platform in both English and Spanish. This is particularly valuable for Florida businesses in construction, hospitality, landscaping, and agriculture where bilingual support is essential.
What is the Enwage platform and does Frank Crum have something similar?
Enwage is Key HR's proprietary HR and payroll platform, included at no extra cost with every Key HR partnership. It provides employee self-service (pay stubs, PTO, benefits), manager tools (approvals, onboarding, reporting), and multi-state payroll — accessible via web and mobile app in English and Spanish. Frank Crum offers MyFrankCrum, their HRIS platform, which provides similar employee self-service functionality.
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