Worklio HCM vs. Miter
Worklio HCM runs payroll, HR, time and benefits on one 50-state engine, with optional pay-as-you-go workers' comp from Worklio Insurance built into payroll, and pays crews without bank accounts on pay cards. Miter brings HR, compliance and financial software together on one platform built for contractors.
- Prevailing wage, union fringes and WH‑347 certified payroll in the same run, as an add‑on to any plan
- Payroll, tax, HR, time, and benefits administration on one 50‑state engine
- Comp class codes per job and employee, and pay‑as‑you‑go comp via Worklio Insurance
Worklio HCM: 11 stated, 0 partly, of 11. Miter: 9 stated, 0 partly, of 11.
- Proven payroll since 2017
- All 50 states + PR, plus localities
- $35+ billion in payroll and taxes paid
- ISO 27001, 27018, and 9001
- SOC 2 Type II
What sets Worklio HCM apart from Miter?
Miter brings HR, compliance and financial software together on one platform for contractors. Worklio HCM puts payroll, tax, HR, time, and benefits administration on one 50-state engine, with workers' comp from Worklio Insurance built into payroll and pay cards for crews without bank accounts.
| Worklio HCM | Miter | |
|---|---|---|
| Certified payroll (WH‑347) | StatedWH‑347 ready; add‑on | StatedWH‑347, state reports, portal submission |
| Prevailing wage and fringe | StatedBy project and classification; add‑on | StatedRates per project; fringe credit |
| Union payroll and fringe | StatedDues and fringes by local; add‑on | StatedReciprocity, fringe packages, fund reports |
| Burdened job costing | StatedWages, taxes, benefits, comp; Complete HCM | StatedFully burdened, synced to the ERP |
| GPS field clock‑in | StatedGeofenced by site; Complete HCM | StatedGeofencing, kiosk, facial recognition |
| Comp class codes in payroll | StatedPer job and employee; add‑on | StatedRates by job, employee, cost code, state |
| Workers' comp policy inside the product | StatedBuilt into payroll, via Worklio Insurance | Not published |
| Benefits administration | StatedEnrollment, EDI to carriers, COBRA | StatedEnrollment, carrier API or EDI, ACA |
| Federal, state and local tax filing | StatedEvery state and locality | StatedAll 50 states, local included |
| Security audits | StatedSOC 2 Type II; ISO 27001, 27018, 9001 | StatedSOC 2 Type II |
| Pay cards and earned wage access | StatedPay cards; optional earned wage access | Not published |
- Stated
- Partly
- Not published: public pages do not describe whether Miter offers it.
Union, prevailing wage, and certified payroll is available as an add-on to any plan. Burdened job costing, time and attendance, and scheduling are in Complete HCM only.
Proven payroll since 2017
- PAYROLL AND TAXES PAID
- $35+ Billion
- ACH TRANSACTIONS
- 23+ Million
- W-2S / 1099S PROCESSED
- 4.3+ Million
- EMPLOYEES PAID
- 2.8+ Million
What you get with Worklio HCM
Workers' comp from Worklio Insurance, built into payroll
Worklio HCMWorklio HCM keeps workers' comp class codes per job and employee. Union, prevailing wage, and certified payroll is available as an add‑on to any plan. Worklio Insurance offers optional pay‑as‑you‑go workers' comp built into payroll, quoted from your real census and wages and billed per payroll.
Workers' comp on Worklio InsuranceMiterMiter lets you set workers' comp rates by job, employee, cost code, state and pay rate; who places the policy is not described publicly.
Pay every crew, bank account or not
Worklio HCMWorklio HCM pays by direct deposit, pay cards, and checks: pay cards for employees without bank accounts, direct deposit split across multiple accounts, and optional earned wage access, where employees request a portion of wages already earned before payday from the mobile app.
Explore payments and bankingMiterMiter pays by direct deposit, with next‑day pay available; pay cards are not described publicly.
Three questions to ask before you choose
- 01
Who places your workers' comp
Who places the policy, and how do the class codes in payroll reach the carrier's audit?
Worklio HCMWorklio HCM keeps workers' comp class codes per job and employee. Union, prevailing wage, and certified payroll is available as an add‑on to any plan. Optional pay‑as‑you‑go workers' comp comes through Worklio Insurance, built into payroll and billed per payroll. Not in states where a state fund is the only insurer. The carrier still audits the policy after each policy period ends; billing on actual payroll makes the true‑up smaller, not unnecessary.
Workers' comp on Worklio InsuranceMiterMiter lets you set workers' comp rates by job, employee, cost code, state and pay rate; who places the policy is not described publicly.
- 02
Who signs and submits certified payroll
Which formats and agency portals are live for your states, and who signs and submits each report?
Worklio HCMWorklio HCM prepares the WH‑347 for your signature, with job costing segments from the same run. You review and sign each one. Union, prevailing wage, and certified payroll is available as an add‑on to any plan.
MiterMiter generates the federal WH‑347 and state reports, and submits to LCPtracker, eMars, eComply, Elation Systems and state portals.
- 03
Who answers a tax notice
Which taxes do you file in each state and locality, and who answers an agency notice?
Worklio HCMWorklio HCM calculates, deposits, and files payroll taxes in every state and locality, with 941, 940, and state equivalents filed for you. Upload an agency notice and our tax team resolves it.
MiterMiter calculates, files and pays federal, state and local payroll taxes in all 50 states, including quarterly and annual returns; who answers an agency notice is not described publicly.
Why choose Worklio HCM over Miter?
- 01 Certified payroll
Certified payroll from the same run that pays the crew
Miter generates the WH‑347 and state reports and submits them to compliance systems and state portals.
Worklio HCM prepares WH‑347 certified payroll reports with job costing segments, applies prevailing wage rates by project, location, and classification, and carries union dues and benefit packages with remittance reports by local.
Union and certified payrollWorklio HCM- WH‑347 ready for your signature
- Fringe as cash or plan contributions
- Available as an add‑on to any plan
- 02 Workers' comp
Comp codes in payroll, and a policy built into it
Miter lets you set workers' comp rates by job, employee, cost code, state and pay rate.
Worklio HCM keeps workers' comp class codes per job and employee, and Worklio Insurance offers optional pay‑as‑you‑go workers' comp built into payroll.
Workers' comp on Worklio InsuranceWorklio HCM- Class codes per job and employee
- Quoted from your real census and wages
- Comp billed per payroll
- 03 One platform
Payroll, HR, time and benefits on one employee record
Miter pairs an HRIS with digital onboarding and benefits administration with carrier connections.
Worklio HCM runs payroll, tax, HR, time, and benefits administration on one 50‑state engine, with one employee record shared by payroll, time, and benefits.
HR and onboardingWorklio HCM- Offer letters e‑signed; W‑4, state forms and I‑9 online before day one
- Clock‑in geofenced by job site, in Complete HCM
- Enrollment, EDI to major carriers, COBRA tracked
- 04 Paying crews
Pay every crew, bank account or not
Miter pays by direct deposit, with next‑day pay available and deposits split across accounts.
Worklio HCM pays by direct deposit, pay cards, and checks, with pay cards for employees without bank accounts and optional earned wage access.
Payments and bankingWorklio HCM- Direct deposit split across multiple accounts
- Unlimited regular and off‑cycle runs
- Earned wage access from the mobile app
- 05 Security and support
Audited controls and a named team
Miter states a SOC 2 Type II attestation by an independent CPA firm.
Worklio HCM is ISO 27001, 27018, and 9001 certified, and SOC 2 Type II, HIPAA, and PCI DSS compliant. A named implementation lead runs parallel payrolls beside your current provider, matched to the cent, before you go live.
Why WorklioWorklio HCM- Layered access rights and a full audit trail
- Parallel payrolls matched to the cent
- A dedicated account manager after go‑live
Your next payroll could be your first one on Worklio.
Miter alternative: common questions
Information about Miter is based on Miter's publicly available pages, documentation and press releases as of October 7, 2026, and may have changed since. Worklio makes no representation as to its completeness or accuracy. Trademarks belong to their owners; Worklio is not affiliated with any other company named here.