B2B Cost Audit
B2B Cost Audit Privacy Policy & Zero-PII Client-Side Data Architecture (2026)
Effective Date: October 27, 2026: B2B Cost Audit (b2bcostaudit.com), operated by Research Triangle Park AI Transformation LLC, enforces a strict Zero-PII client-side calculation policy. All calculator inputs (headcount, salaries, states, policy limits, or seat counts) are evaluated exclusively in your local browser memory and are never transmitted to or stored in any backend database.
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🏆 12-MONTH TCO WINNER
Zero-PII Client-Side Calculation Architecture + Explicit FTC 16 CFR Part 255 Compliance
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⚠️ HIDDEN FEE TRAP
We never collect SSNs, EINs, bank account numbers, or raw policy documents on our servers; all calculations execute locally in your browser.
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⚡ RECOMMENDED SWITCH
Review our full privacy terms and primary .gov regulatory citations below.
Calculate Your 12-Month All-In Payroll, Multi-State Tax & EOR Cost
Adjust W-2 headcount, primary .gov SUI tax state, multi-state registrations, 1099 contractors, and international EOR seats to compare true 12-month TCO:
Based on 18 W-2 employees: $42/emp IRS FUTA (0.6% on $7,000) + $245/emp State SUI (plus 7.65% employer FICA on gross wages).
2026 Line-Item TCO Comparison & Partner Verification Table
| Vendor / Statutory Benchmark | Verified 2026 All-In Rate & 12-Month TCO | Audit Action / Official Citation |
|---|---|---|
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IRS Publication 15 (2026 Federal Employer Tax Guide) (.gov)
Official .gov Statutory Baseline |
7.65% FICA + $42 FUTA statutory baseline | 🏛️ Verify .gov Rule [1] |
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Verified 2026 Commercial Cost & Rate Schedule Audit
Verified 2026 Payroll/HRIS Tier |
100% Free Client-Side TCO Calculator · $0 PII Collected | Verify 2026 Partner Rates → [2] |
All vendor base fees, PEPM tiers, and interchange markups verified as of October 24, 2026. Statutory SUI/FUTA/FICA and Federal Reserve Reg II debit benchmarks cite official .gov publications. Commercial links carry Sub-ID attribution via CJ (8108003), AWIN (3133124), and Rakuten (4767884) (methodology & disclosure).
Frequently Asked Questions (2026 Verified Data)
Does B2B Cost Audit collect or store personally identifiable information (PII) in its calculators?
No. Every calculator on b2bcostaudit.com executes 100% client-side in your browser. We never ask for or store names, emails, phone numbers, EINs, SSNs, or uploaded documents on any backend server.
Is B2B Cost Audit a licensed insurance producer, CPA firm, or law firm?
No. B2B Cost Audit (b2bcostaudit.com) is an independent B2B financial benchmark publication operated by Research Triangle Park AI Transformation LLC. All calculators provide mathematical estimates for informational planning only.
How are affiliate links disclosed on b2bcostaudit.com?
In strict compliance with FTC 16 CFR Part 255, every page carries an above-the-fold disclosure banner and every commercial outbound link is tagged with rel='sponsored nofollow noopener' and a deterministic clickref parameter.
Where can I send privacy, CCPA/CPRA, or legal inquiries?
Contact Research Triangle Park AI Transformation LLC at luke@rtpait.com.
Official Regulatory (.gov) & Published Vendor Fee Sources
- FTC 16 CFR Part 255 — Guides Concerning the Use of Endorsements and Testimonials in Advertising (.gov) (verified 2026-10-27)
- IRS Publication 15 (2026 Employer's Tax Guide) (.gov) (verified 2026-10-27)