Mutuality Works
PEO Payroll Service
Simplify your agency’s payroll with our PEO Payroll Service — a fully managed solution that takes care of PAYE, pensions, compliance, and more. We act as the employer of record, giving you and your workers the security, clarity, and freedom to focus on what really matters.
“Reliable Payroll, Trusted Support” — our commitment to compliance and care is at the core of every service we provide.
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Delivering UK PEO Payroll Services That Put People First
At Mutuality Works, we believe payroll should never be complicated or confusing—especially for recruitment agencies and contractors who depend on it. Our UK PEO
Stay fully compliant with payroll that handles PAYE, pensions, and HMRC.
Enjoy built-in support through employer of record services for you and your workers.
Save time with a payroll service that cuts admin and keeps your agency moving.
A Payroll Partner That Puts People and Compliance First
Why Choose Mutuality Works?
At Mutuality Works, we believe payroll should empower—not complicate. That’s why our PEO model is built around genuine partnership, where transparency, compliance, and support come as standard. Whether you’re placing contractors or working as one, our approach puts people first, every time.
We strip away hidden margins and confusing models, replacing them with clear pricing, reliable support, and a strong focus on doing things right. It’s more than just payroll—it’s a service built on mutual respect and long-term trust.
- Transparent, people-first service
- Fully compliant PAYE employment model
- Trusted by agencies and contractors alike
Built on Trust, Backed by Expertise
Join agencies and contractors who’ve already made the switch to a smarter payroll model. With Mutuality Works, you get more than just payments—you get peace of mind, every step of the way.
A Clear, Compliant Model for Modern Workforces
Flexible Payroll That Works for Everyone
Our PEO payroll model is designed to support agencies and contractors with clarity, care, and compliance. From onboarding to payslips, we make every step simple—removing barriers and building trust.
With a focus on people, not just process, we help you deliver a better experience for your workforce while staying legally sound and operationally efficient.
- Simple setup and seamless onboarding
- Full employment rights and benefits for workers
- Designed for agencies that value clarity and compliance
Clarity at Every Step
From the first assignment to payday, we keep things simple, fair, and fully transparent—so everyone knows where they stand.
Your Payroll Partner for Growth and Confidence
Let’s Build Something That Works
Whether you’re scaling your agency or supporting a growing contractor workforce, we’re here to simplify your operations and strengthen your reputation. With Mutuality Works, you get a partner who understands the balance between compliance, care, and cost-efficiency.
We don’t believe in one-size-fits-all. Our service flexes with your needs—so you can stay focused on growth while we take care of the details.
- Scalable payroll support for growing teams
- Personalised service, real human support
- Trusted by agencies and workers nationwide
Ready to Get Started?
Talk to us today and discover how Mutuality Works can simplify your payroll while strengthening your contractor relationships.
Getting Started Is Simple
Your Path to Stress-Free Payroll Starts Here
We’ve streamlined the process so you can focus on your business while we take care of the payroll. Whether you’re onboarding 10 workers or 1,000, here’s how easy it is to get up and running with Mutuality Works.
Have questions now? Visit our FAQ section or reach out through our contact form.
1
Let’s Talk
We’ll take time to understand your business needs and answer any questions about how our PEO model works.
2
Onboarding Made Easy
We handle the paperwork, guide you through compliance, and set up your contractors quickly and efficiently.
3
Start Sending Assignments
Once setup is complete, you can place workers knowing they’re fully supported and paid on time, every time.
4
Ongoing Support
Our team is always here to support you and your contractors—real people, ready to help whenever you need.
Your Questions, Answered
Frequently Asked Questions
At Mutuality.Works, we know that working through an umbrella company can bring up some important questions—especially around pay, deductions, and your rights as a contractor. That’s why we’ve created this FAQ section to give you straightforward answers and help you feel confident in how it all works. Explore below to learn more about your pay, benefits, and what to expect as an umbrella employee.
What is the difference between assignment rate and gross pay?
The assignment rate is the total amount billed by the agency to the umbrella company. Gross pay is what’s left after deductions such as employer National Insurance, pension contributions, and the umbrella margin.
Why is my gross pay lower than the assignment rate I was quoted?
The assignment rate includes employment costs the umbrella company must cover on your behalf, including tax liabilities, pension, holiday pay, and operational fees. Your gross pay is the portion left after these costs.
How is my holiday pay calculated under an umbrella company?
Holiday pay is typically calculated at 12.07% of your gross pay and may either be accrued and paid when you take time off, or advanced and included in your regular payments—depending on the umbrella company’s policy.
Do I still get employment rights with an umbrella company?
Yes. You’re legally an employee of the umbrella company and are entitled to statutory benefits such as sick pay, holiday pay, and workplace pension contributions.
What is the Apprenticeship Levy and does it affect my pay?
The Apprenticeship Levy is a tax paid by employers with a payroll over £3 million. If applicable, this is deducted from the assignment rate before calculating your gross pay. It does not come out of your take-home pay directly.
How do pension contributions work under an umbrella company?
If you’re eligible, your umbrella company must enrol you in a workplace pension scheme. You can opt out if you choose. Both employer and employee contributions are made from the assignment rate.
Can I claim expenses through my umbrella company?
HMRC rules are strict on claiming expenses as an umbrella employee. Most contractors working under Supervision, Direction, or Control (SDC) cannot claim tax relief on expenses unless they are genuinely incurred during travel or outside regular work duties.
Will using an umbrella company affect my tax code or PAYE status?
No, your tax code and PAYE (Pay As You Earn) status remain the same. The umbrella company processes your pay through PAYE, ensuring your taxes and National Insurance contributions are correctly deducted and reported to HMRC.
We’ve covered some of the most common questions about umbrella employment here, but there’s always more to explore. For deeper insights into pay, compliance, employment rights, and more, head over to our full FAQ page. And if you still have questions, don’t hesitate to reach out—our expert team is always here to help.
A Simple, Compliant PAYE Model Built for Modern Staffing Needs
What Is a PEO – and How Can It Help You?
A Professional Employment Organisation (commonly known as a PEO) is a payroll model that originated in the United States and has become increasingly popular in the UK recruitment industry. Mutuality Works uses this proven PAYE approach to jointly employ workers, offering a straightforward and compliant solution that brings clear advantages to both agencies and contractors.
At its core, Mutuality Works’ PEO payroll service is outsourced PAYE—delivered with added benefits. Contractors receive clear, accurate payslips, on-time payments, and full employment rights including holiday pay, sick pay, and pension contributions. Agencies benefit from reduced admin, fewer contractor queries, improved cost efficiency, and a stronger, more professional brand reputation—all backed by a partner that prioritises compliance and clarity.
Protect Your Business
Mutuality Works offers a fully compliant PAYE model—providing clarity and legal peace of mind for your agency. It’s a straightforward alternative to more complex or opaque payroll setups, giving you confidence that everything’s handled properly.
Reduce Operational Costs
By outsourcing payroll and employment responsibilities, you save on overheads and admin time. Our efficient processes streamline your operations and allow you to focus resources on growth, not paperwork.
Attract and Retain Contractors
More contractors are choosing PEO payroll models for their simplicity, stability, and benefits. With Mutuality Works, workers feel valued and secure—helping you build a reliable and satisfied workforce.
Boost Your Brand Reputation
Offering a transparent, ethical payroll solution reflects positively on your agency. Our collaborative model positions you as a trustworthy partner in the eyes of both clients and candidates.
About Mutuality Works
Your Trusted Partner for Transparent, Compliant Payroll Solutions
At Mutuality Works, we prioritise clear, compliant, and collaborative payroll solutions. Our approach simplifies the payroll process for both recruitment agencies and contractors, providing transparency at every step.
We specialise in removing the complexity from payroll, ensuring compliance and timely payments are always handled with care. With our straightforward PAYE model, you can focus on what matters most—growing your business and placing talent with confidence.
Our team tailors each solution to fit the specific needs of your agency, whether you’re working with a handful of contractors or a large workforce. By reducing admin and offering full employment benefits, we aim to make payroll a seamless part of your operations while fostering a trusted partnership.
At Mutuality Works, we don’t just handle payroll—we build lasting partnerships that make your business stronger and your workforce more confident.
Contractor Tips, Resources & Guides
Recent Articles
Explore expert insights, practical advice, and up-to-date guidance on umbrella employment and contracting in the UK. Whether you’re new to umbrella working or looking to better understand your pay and rights, our latest articles are here to help. Stay informed and empowered with our helpful resources, written with contractors in mind.
Delivering UK PEO Payroll Services That Put People First
At Mutuality Works, we believe payroll should never be complicated or confusing—especially for recruitment agencies and contractors who depend on it. Our UK PEO payroll services are built on clarity, compliance, and genuine care for
PEO Payroll UK: Why It Matters
What Is PEO Payroll? A Professional Employment Organisation (PEO) acts as the legal employer for temporary workers, handling PAYE payroll, tax, HR, and compliance on behalf of the agency. The model allows workers to be