Our Full Review
Insperity has been in the PEO business since 1986 (founded as Administaff). They're one of the largest and most established players, serving over 80,000 worksite employees across the US.
What sets Insperity apart: they're targeting mid-market companies that want true white-glove service. While competitors race to automate everything, Insperity doubles down on high-touch, relationship-driven HR outsourcing.
The PEO Model: Co-Employment Explained
Insperity operates as a full-service PEO. You and Insperity become co-employers of your team:
- You manage: Day-to-day work, job assignments, performance, culture
- Insperity manages: Payroll, benefits, HR administration, compliance, risk
Insperity becomes the employer of record for legal/tax purposes. Your employees show up on Insperity's master insurance policies, giving you access to Fortune 500-level benefits.
Who Should Use Insperity?
- Mid-market companies (25-500 employees) who've outgrown basic PEOs
- Businesses in regulated industries — healthcare, finance, manufacturing
- Companies prioritizing service quality — willing to pay premium for white-glove support
- Organizations needing strategic HR — not just admin, but culture and org development
- Fast-growth companies — scaling from 50 to 500 employees and need infrastructure
Who Should Look Elsewhere?
- Startups with <20 employees — too expensive, consider Gusto or Justworks
- Budget-focused businesses — Insperity is premium-priced across the board
- Tech-first companies — if platform UX is critical, look at Rippling or BambooHR
- Global/remote-first teams — Insperity is US-only, consider Remote or Deel
HR Business Advisors (The Main Value)
This is Insperity's standout feature. You get a dedicated HR Business Advisor—not a support rep, an actual HR professional who:
- Learns your business, industry, and goals
- Provides strategic HR counsel (not just transactional support)
- Helps with organizational design and restructuring
- Advises on hiring, terminations, and employee relations
- Creates compliant policies and employee handbooks
- Conducts workplace investigations when needed
Your advisor is backed by specialists in benefits, risk management, and compliance. It's like having an HR department on retainer.
Benefits Administration
Insperity's benefits are genuinely enterprise-grade:
- Health insurance — major carriers (Aetna, UnitedHealthcare, BlueCross), better rates than SMBs get alone
- 401(k) retirement plans — multiple investment options, automatic enrollment available
- Dental and vision — comprehensive coverage options
- Life and disability insurance — employer-paid and voluntary options
- Flexible Spending Accounts (FSA) — healthcare and dependent care
- Commuter benefits — pre-tax parking and transit
Benefits enrollment is managed by Insperity specialists. They handle carrier negotiations, plan comparisons, and employee communication.
Payroll & Tax Compliance
Payroll is comprehensive and includes:
- Automated payroll processing (weekly, bi-weekly, semi-monthly, monthly)
- Direct deposit and pay cards
- Tax filing and compliance (federal, state, local)
- Year-end forms (W-2s, 1099s, ACA reporting)
- Multi-state payroll support
- Garnishment processing
- Time and attendance integration
Since Insperity is the employer of record, they file payroll taxes under their EIN. This simplifies multi-state operations and reduces your administrative burden.
Risk Management & Workers' Comp
Workers' compensation insurance is included in the PEO fee:
- Coverage through Insperity's master policy
- Usually better rates than you'd get independently
- Claims management and return-to-work programs
- Safety training and workplace audits
- OSHA compliance support
Insperity assumes significant workers' comp liability as co-employer. For high-risk industries, this is a major benefit.
Organizational Development Services
This is where Insperity differentiates from cheaper PEOs:
- Leadership development — management training and executive coaching
- Employee engagement — surveys, culture assessments, improvement programs
- Organizational design — restructuring advice, role clarity
- Succession planning — identifying and developing future leaders
- Performance management — review systems, goal-setting frameworks
These are consulting-level services typically reserved for large enterprises. Insperity includes them for PEO clients.
Technology Platform
Insperity's technology is functional but not cutting-edge:
- Employee portal — paystubs, PTO requests, benefits info, document access
- Manager dashboard — team management, approvals, reporting
- Mobile app — basic tasks on iOS and Android
- Time & attendance — clock in/out, timesheet approvals
- Reporting & analytics — standard HR metrics and custom reports
The UI feels dated compared to Gusto or Rippling. But Insperity's value isn't the tech—it's the people and service.
Pricing (What We Know)
Insperity doesn't publish rates. Pricing is customized based on:
- Number of employees and geographic locations
- Industry (affects workers' comp rates)
- Benefits package selected
- Service level (standard vs. premium)
Based on user reports and market data:
- Typical range: $150-300+ per employee per month
- Smaller companies (5-25): often $250-350 PEPM
- Mid-market (50-200): closer to $150-250 PEPM
This is all-inclusive: payroll, benefits, HR advisory, compliance, workers' comp. Insperity is positioned as a premium option.
Customer Support & Implementation
Support quality is excellent:
- Dedicated HR Business Advisor — your main strategic contact
- Benefits specialists — for enrollment and claims support
- Payroll support — available during payroll processing windows
- Risk management team — compliance and safety questions
- Implementation team — white-glove onboarding (typically 30-60 days)
User reviews consistently praise Insperity's service. The advisor relationship is what you're paying for.
The Bottom Line
Insperity is premium HR outsourcing for companies that value service quality over low cost. You're not just buying software—you're hiring an external HR team.
The mid-market focus (25-500 employees) is deliberate. They're not trying to be the cheapest PEO or the most tech-forward. They're targeting companies that want strategic HR partnership and are willing to pay for it.
If you need white-glove service, comprehensive benefits, and actual HR expertise (not just a chatbot), Insperity delivers. If you're budget-conscious or tech-first, look at Justworks or Rippling instead.