EOR TRUTH / QUOTE COMPARISON

Compare the cost.
Not just the fee.

Two quotes. One hiring plan. Management fees, currency costs and extras in the same calculation.

Your hiring plan

USD equivalent at the reference rate, before markup. Other employment costs can include employer contributions and benefits. The conversion share applies to both salary and those costs, equally for both quotes.

Quote A
Quote B

Both quotes are fictional, editable examples. Enter zero only for a confirmed zero charge; a blank or undisclosed rate cannot support a complete comparison. Spread one-off fees over your chosen comparison period before entering them.

MONTHLY PROVIDER CHARGES

Quote B costs $666.67 less per month.

That is $8,000.00 a year for the same hiring plan.

10 hires · $58,333.33 monthly employment costs converted
Cost componentQuote AQuote B
Management fees$3,990.00$4,490.00
FX markup$1,166.67$0.00
Other provider charges$0.00$0.00
Monthly total$5,156.67$4,490.00
Effective monthly charge per hire$515.67$449.00
Annual total$61,880.00$53,880.00

When does the cheaper headline fee stop winning?

The quotes break even at $25,000.00 of monthly converted employment costs. Below that, Quote A costs less; above it, Quote B costs less.

Provider charges only. Employment costs themselves, refundable deposits and unentered charges are excluded. Compare equivalent coverage and service quality before choosing.

Can a $399 fee cost more than a $449 fee?

Yes. For 10 hires earning $70,000 each, with all salary converted, an illustrative $399 fee plus 2% FX costs $5,156.67 per month in provider charges. A $449 fee with zero FX markup costs $4,490.00. Quote B costs $8,000 less annually despite its higher headline fee. Neither quote represents a supplier.

At this headcount, the difference in management fees is $500 a month. A 2% markup on $25,000 of monthly converted payroll also costs $500. That is the break-even point. With salary alone and full conversion, it corresponds to $30,000 annual salary per hire.

What should be included in the FX base?

Include every employment cost the provider converts and subjects to markup, not just salary. Use the additional employment-cost input for employer contributions and benefits, then apply the share actually converted. For different currency rates or bases between suppliers, use a weighted, documented effective rate or compare each currency group separately; this model assumes both quotes convert the same amount.

How the comparison works

Monthly conversion base = hires × (annual salary ÷ 12 + other monthly employment costs per hire) × conversion share
Monthly provider charges = hires × management fee + conversion base × FX markup + other monthly provider charges
Break-even conversion base = (fixed charges B − fixed charges A) ÷ (FX rate A − FX rate B)

Percentages are divided by 100 in the formulas. Equal FX rates have no unique crossing point: fixed fees determine the difference, or the quotes tie at every payroll level. A negative crossing point means the quotes do not cross for a non-negative conversion base. Rounded monthly totals may not multiply exactly to the annual total.

Salary, headcount and fees are held constant for 12 months. Other provider charges are fixed monthly amounts in this model; if they vary with payroll, recalculate them for each scenario. The break-even figure varies converted payroll while holding headcount and fixed charges constant.

Make FX part of the decision

Ask every shortlisted provider for a documented reference rate, markup, conversion base and worked invoice. Compare the effective monthly charge per hire, then evaluate country coverage, compliance and service. Missing FX information remains unknown, not free.

Get the free FX RFPExplore the salary table →

EOR Truth · Updated 24 September 2026. Illustrative calculations. Methodology.