Understanding Your Pay Stub as a Temp Worker

Working through a staffing agency means the agency — not the client company — is your employer of record. That affects how you're paid, what's deducted, and what benefits you may be eligible for. Here's what to look for on your pay stub.

Gross Pay vs. Net Pay

Your gross pay is your total earnings before any deductions. Your net pay (also called take-home pay) is what's deposited into your account after taxes and deductions are removed. The difference can be significant — here's why.

Standard Tax Deductions

As a temp worker, you're a W-2 employee of the staffing agency. Standard tax withholdings include:

• Federal income tax — varies based on your W-4 withholding elections
• State income tax — depends on your state of employment
• Social Security (6.2% of gross wages up to annual limit)
• Medicare (1.45% of gross wages)
• Local/city tax — applies in some municipalities

Other Possible Deductions

• Health insurance premiums (if you opted in)
• Dental or vision coverage
• 401(k) or retirement plan contributions
• Wage garnishments (court-ordered deductions)

What You Won't See

The employer (agency) also pays taxes on your behalf — including their share of Social Security and Medicare, federal unemployment tax (FUTA), and state unemployment tax (SUTA). These don't appear on your stub but are real costs your employer bears.

Questions About Your Pay?

If you ever have questions about your pay stub, deductions, or tax forms (like your W-2 at year end), reach out to your staffing agency directly. We're here to help make sure you're paid correctly and on time, every time.