Build a Driver-Worthy Job

A bigger gross number does not always mean a better job.

W-2 and 1099 are not simply two different ways to print a paycheck. The correct classification depends on the real working relationship, not merely what the contract calls the driver.

W-2 employment

In W-2 employment, payroll withholding is the employer's responsibility, along with the employer share of Social Security and Medicare taxes. Depending on the job and employer, the arrangement may also include workers' compensation, unemployment coverage, health benefits, retirement benefits, paid time off, or other employment benefits.

Independent contractor

A legitimate independent contractor generally takes on more responsibility for taxes, insurance, benefits, recordkeeping, and business expenses.

Which job actually pays more: 1099 or W-2?

The cost difference is narrower than the headline. A 1099 gross must cover the driver's own self-employment tax; a W-2 wage comes with the employer half of Social Security and Medicare already paid, plus whatever employment protections come with the job.

Compare a 1099 offer with a W-2 offer →

PEO assistance

Benefits and payroll administration may be practical through a PEO. Professional Human Resources works with a network of experienced and accredited agents who work with Professional Employer Organizations. A PEO relationship does not automatically reduce costs, resolve worker-classification questions, or fit every carrier — the carrier and its professional advisers remain responsible for evaluating the arrangement.

See the complete W-2 and PEO story →

Compare what the driver keeps, receives, and takes responsibility for — not just gross pay.