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Updated Mar 28, 2024

Insperity Review: PEO and HRO Service Pricing

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Kaylyn McKenna, Business Operations Insider and Senior Analyst
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Editor Reviewed
This guide was reviewed by a Business News Daily editor to ensure it provides comprehensive and accurate information to aid your buying decision.

Table of Contents

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Editors Score:9.1/10
Insperity, our choice as the PEO with the best small business resources, offers great payroll, employee benefits, HR administration, risk management, training resources and customer service.
Plus Sign Pros
  • Insperity offers well-rounded compliance and risk mitigation tools, as well as support from leading experts.
  • Insperity is ESAC accredited and IRS certified.
  • Employees can access a large library of training and development resources.
Minus Sign Cons
  • Insperity does not offer transparent pricing, so you will need to contact the sales team to get a quote.
  • There is a five-employee minimum to work with Insperity.
Insperity company logo
Editor's Rating9.1/10
  • Insperity provides comprehensive risk management features.
  • Insperity’s PEO service is accredited by the IRS and the Employer Services Assurance Corp. (ESAC), proving that it meets established compliance guidelines and risk management best practices.
  • The company offers a la carte services in addition to its PEO bundles.
  • This review is for small business owners who are thinking about partnering with Insperity PEO.

Insperity provides flexible PEO services for small businesses and offers extensive legal compliance and risk reduction tools that are not available from other professional employer organizations (PEOs). Insperity’s service bundles and a la carte offerings also include help with HR administration, payroll processing, employee benefits and workplace training. Due to its competitive PEO pricing, intuitive online platform and extensive employee training options, Insperity is our choice for the best PEO for risk management.

Insperity PEO Services Editor's Rating:

9.1 / 10

Customer service
User interface
Benefits offerings
Payroll functionality

Why Insperity Is Best for Risk Management

We found that Insperity takes a very comprehensive approach to risk management and risk mitigation. The company offers tools to reduce risk across a number of areas, including legal compliance, safety and employee relations. Specialists are available to conduct on-site safety audits, respond to Equal Employment Opportunity Commission (EEOC) complaints, help you create compliant employment policies, and provide training on harassment and other common compliance issues.

One thing that impressed us about Insperity’s risk management offerings is that the company is proactive about alerting businesses to any changes in employment law. Keeping track of changing laws and requirements can be hard for business owners, and it’s easy to miss an update and make a compliance mistake. Insperity doesn’t wait for employers to have questions; instead, the PEO reaches out to the employer when changes occur. We like that Insperity can provide training to supervisors on new compliance matters and help businesses update their written employee policies to reflect the new requirements. 

Insperity is also accredited by the ESAC and certified by the IRS, which groups it with other industry-leading PEOs. The IRS has a certification process that ensures PEOs are healthy and can provide the services they claim to offer. The ESAC is an independent rating organization that grades PEOs on the quality and depth of their services. Insperity also fares well with the Better Business Bureau, earning accreditation and an A+ rating. Many companies we reviewed either aren’t rated or have very low grades with the private rating agency.

Did You Know?Did you know
Working with a PEO that is accredited by the ESAC and/or the IRS helps you minimize risk and ensures you are working with a reliable and compliant PEO.


Insperity solutions are easily customizable to ensure you get what you need for smooth and effective operations. The online platform features a clean, simple interface design, and we appreciated that it was easy to navigate from both the employee and employer sides. All of the information displayed on the dashboards and reports is presented clearly; we believe the platform should have a relatively minor learning curve, even for less-tech-savvy staff members.

Information displayed on your dashboard includes pending tasks, recent payroll information and key metrics. Users can customize their dashboards by adding or removing widgets that display different menus or data points, such as time and attendance, pay and taxes. We like that the platform uses graphs and charts on many of the dashboards, which is great for people who prefer a more visual presentation of data.

Insperity employee dashboard

Employees can quickly view their payroll, tasks and PTO information on their Insperity dashboards. Credit: Insperity

Insperity hosts an e-learning portal that gives employees and managers access to hundreds of online training courses. This portal is easy to navigate and provides training materials in a variety of formats. We like that it’s easy for employees to find courses on the topics they want to learn about. Users can search for a specific topic or compliance issue, select from the featured courses, or view recommended or assigned training materials. We appreciate that Insperity has a vast selection of courses covering key compliance matters so that managers can learn about important employment laws or risk management practices.

Lastly, we noticed that Insperity offers user-friendly employee self-service tools, including paperless onboarding and benefits enrollment. Employees can log in to the Insperity platform or mobile app to view their pay stubs, benefits information and time entries. They can also use the self-service platform to edit their own data, such as their home address and W-4 withholding selections.

Insperity Features

Risk and compliance

Insperity’s risk offering includes workers’ compensation and liability insurance.

Training and development

Insperity offers some of the best training resources of any PEO we reviewed.

HR administration

Insperity offers the most extensive HR administration services of any company we reviewed.

Employee benefits

Small businesses can enjoy competitive employee benefits under Insperity’s co-employment model.

Payroll processing

Insperity provides exemplary payroll processing features, including time and attendance tracking and payroll management reports.

Risk and Compliance

Insperity can help you take the proper risk management and compliance measures to keep up with current laws and regulations. Insperity specialists can provide coaching and support to supervisors to ensure that they are handling employee matters in a compliant manner that will not result in complaints or lawsuits. Insperity has safety specialists available to consult on general exposures, hazards and controls within your workplace and guide employers in creating safety plans to help prevent workplace accidents and injuries. Insperity can also provide workers’ compensation and employment practices liability insurance. We liked that customers can receive compliance support with their hiring and termination practices, unemployment claims, Fair Credit Reporting Act and “ban the box” practices (in which employers inquire whether a job candidate has a prior criminal history), drug-free workplace policies and EEOC services.

While most of the companies we reviewed provide bundled PEO services, Insperity is one of the few we looked at that also offer a la carte services. That means you can sign up for only the services you need and avoid paying for the ones you don’t.

Training and Development

Of the PEOs we evaluated, Insperity offers some of the most extensive employee training services, including over 5,000 self-paced online courses and 30,000 online books, live virtual training, on-site safety training, conflict management training and sexual harassment training.

For extra fees, you can add features such as preemployment screening, expense management, insurance services, organizational planning, performance management, recruiting services and retirement services.

Insperity employee review

With Insperity, you can manage the entire employee review process. Credit: Insperity 

HR Administration

We liked that Insperity can take care of HR administration tasks for your business so you don’t have to. Insperity assigns a team of HR specialists to your company to provide HR guidance and supplement your internal team. Through our testing, we found that customers receive a direct email and phone number to reach out to their assigned HR team with questions or concerns. This team can support a variety of HR administrative tasks, such as updating company policies, managing employee benefits and building HR strategies that align with your business’s objectives and needs.

Insperity HR dashboard

Insperity’s convenient HR dashboards make it easy to track common HR activities such as payroll and benefits enrollment. Credit: Insperity

Employee Benefits

Offer and manage employee benefits for your team — including medical, dental and vision insurance — with Insperity’s comprehensive insurance offerings. Insperity also offers a flexible spending account (FSA), a health savings account (HSA), life and disability insurance, an employee assistance program and 401(k) plans. Partnering with a PEO for benefits is an excellent way to offer Fortune 500-level benefits as a small employer and to ensure that benefits are being managed in a compliant manner.

Insperity benefits

Insperity makes it simple for employees to choose their benefits. Credit: Insperity 

Payroll Processing

We liked that Insperity can track and process your payroll. It offers features such as time and attendance tracking; paid-time-off (PTO) accrual; vacation- and sick-time tracking; W-2 preparation; wage garnishments and deduction administration; employment verification; payroll management reports; and FICA, FUTA and SUTA withholding and remittance.

Insperity payroll processing

Insperity’s payroll processing features allow employers to efficiently run payroll and verify that everything is correct before finalizing it. Credit: Insperity

Reporting and Analytics

Insperity’s technology platform, Insperity Premier, offers rich reporting tools and employee analytics. While employers can access these tools and run reports on their own, the Insperity service team is also available to help small business owners decipher these analytics and understand how to take action based on the available data insights.

Insperity HRO

Insperity has long specialized in comprehensive human resources solutions for companies with 100 to 1,000 employees. A la carte HR solutions are also available through Insperity, allowing companies to get as much or as little support as they need in any area of HR. We found that Insperity was one of the only human resources outsourcing (HRO) services that specifically tailored their offerings to effectively meet the needs of businesses with 400 to 1,000 employees. Insperity HRO offers a wealth of benefits options, compliance tools and training resources tailored to midsize companies.

Insperity HRO Pricing

Through our research, we found that Insperity does not list basic pricing on its website. The company charges a per-employee fee based on your service needs and company size, but you’ll need to contact Insperity to get a personalized quote. We like that Insperity does not require lengthy contracts. Employers can cancel with 30 days’ notice once they are ready to change providers or take their HR activities in-house.

HR Services

You can customize Insperity’s HR management services to meet your company’s needs. Insperity offers outsourcing support in all of the common areas of HR management, including recruitment and onboarding, online training, employee handbook and policy development, performance management, termination and dispute assistance, and leadership development. 

Insperity’s HR experts can provide guidance on HR, pay practices, benefits administration and taxes to help keep your business compliant. In addition, the Insperity tech platform can streamline key HR practices and workflows for businesses.

Benefits Administration

Insperity offers flexible benefits management options for small and midsize businesses. With Insperity HR outsourcing, businesses can keep their existing benefits and manage them on the Insperity Premier platform, or enroll employees in Insperity’s health packages. Insperity offers flexible, cost-effective health plans, as well as dental and vision insurance, FSAs, disability insurance, an employee assistance plan, and an Insperity 401(k) plan. Insperity HRO can also help with Affordable Care Act and benefits compliance.

Talent Management

Insperity provides a wealth of talent management tools, along with expert guidance to help employers manage their team throughout the entire employee life cycle. Insperity can guide employers on performance management best practices, compensation planning, employee training and company culture development. We also liked that Insperity also has seasoned recruiters available to provide guidance on recruitment and hiring. They can help review and develop job descriptions for open roles, make recruiting recommendations and provide interview training to hiring managers.

Insperity Costs

We think Insperity stands out for its flexible pricing and terms. The company doesn’t require new customers to sign a long-term contract; instead, small businesses with fewer than 150 employees generally sign a one-year agreement, which can be terminated without cause by either party with 30 days’ written notice. Only businesses with middle-market agreements (more than 150 employees) may be charged an early-termination fee.

Although you must have at least five employees, Insperity charges a per-employee fee instead of taking a percentage of your total payroll. This model means that your PEO costs — not including healthcare, benefits, payroll taxes and workers’ compensation — remain the same as long as your number of workers doesn’t change.

Insperity PEO plans include a standard set of bundled HR features. However, you have the option to add supplemental services (e.g., preemployment screening, expense management, insurance services, organizational planning, performance management, recruiting services and retirement services) for additional fees.

Insperity Setup

Getting set up on Insperity’s system isn’t complicated and should take less than 30 days. A company account executive helps you get set up on the cloud-based platform. This point of contact also acts as a liaison with Insperity’s other services if you add more PEO-related features as your company grows. It’s helpful to have a direct point of contact, as it ensures your company can get the most out of the partnership with Insperity.

In addition to an account executive, Insperity provides a wide range of tutorials. The company makes it easy for you and your employees to access your HR and payroll information through an intuitive online portal or mobile app. Insperity’s portal is secured with two-factor authentication. In the portal, employees can access information about their paychecks, 401(k) benefits, an HSA or FSA, time and attendance, and performance, along with training materials and company information. Your employees can easily log their hours, request time off and modify their 401(k) contributions as needed.

Insperity Customer Service

Insperity’s phone support hours are 8 a.m. to 8 p.m. ET, which is a fairly wide time window that should accommodate most businesses in all U.S. time zones. The company also has local offices available for customers to receive in-person support from local specialists. This service isn’t offered by many of the other PEOs we reviewed, so if you are located near an Insperity office, it’s a great added benefit. Insperity previously had offices only in the San Francisco Bay Area and recently expanded across the country with over 90 office locations.

Insperity also provides a team of experts who can handle your HR, benefits, payroll and risk management needs. We liked that you can collaborate with these experts to develop HR policies, select benefits packages and address compliance issues. Insperity provides a point person to coordinate your services between you and the expert team, who can provide in-depth advice and analysis on all of the major HR and PEO topics.

Insperity also provides several self-service tools, including a large library of recorded webinars, e-books, blogs, magazines and podcasts covering key HR topics presented by Insperity’s team of HR experts.

Insperity Drawbacks

Although Insperity is a great PEO, one drawback is that you must have at least five workers. This requirement is common among PEOs, but it is something to be aware of if you are a microbusiness.

Another potential downside is that Insperity doesn’t post pricing on its website. Although this limitation is common among PEOs because PEO pricing varies, it would be nice to have some idea of how much Insperity’s services cost so that businesses can see whether this PEO is within their budget. If getting an upfront price estimate is important to you, consider the vendors featured in our Justworks PEO review and Deel PEO review, which include pricing details.


We conducted comprehensive research and analyzed dozens of PEO offerings to identify the top PEO solutions on the market. As we conducted this research, Insperity’s risk management tools stood out to us. When comparing the risk management features of each PEO, we looked for a wide array of compliance tools related to common issues, such as harassment, labor law violations, EEOC complaints and employment practices.

We reviewed the statistics on the tangible outcomes that Insperity provided its customers when managing EEOC complaints, legal challenges and other compliance matters efficiently and with minimal cost to the customer. Insperity was the only PEO to clearly display quantitative data on the outcomes of its risk mitigation efforts.

Insperity FAQs

Pricing varies based on the number of employees you have and the services you choose. Insperity does not publish its pricing. Instead, the company provides customized quotes to customers based on their selections.
Yes, Insperity has ESAC accreditation and is IRS certified. It is also accredited with the Better Business Bureau and has an A+ rating.
Insperity can help with payroll compliance EEOC complaints, employment policy drafting, terminations and employee leave.
When working with Insperity PEO, employers can offer their employees a variety of medical, dental and vision insurance options. Insperity also provides employees with access to flexible spending accounts, life insurance and disability insurance.

Overall Value

We recommend Insperity for …

  • Scaling businesses that want a PEO service that will grow with them.
  • Businesses that want extensive educational and training resources in a PEO partner.
  • Companies that need consultative support from HR experts.

We don’t recommend Insperity for …

  • Small businesses with fewer than five employees.
  • Businesses that want transparent pricing without having to speak to sales staff.
author image
Kaylyn McKenna, Business Operations Insider and Senior Analyst
For more than 10 years, Kaylyn McKenna has studied the ins and outs of the workplace experience. With guidance designed to help both employers and employees, she advises on workplace matters affecting small businesses. This has ranged from providing recommendations on HRO and PEO services to sharing pointers on job interviews and managing increasing workloads. Her expertise has been trusted by JobGet, Business Management Daily and others. McKenna holds a bachelor's degree in business administration. While pursuing her master's in industrial and organizational psychology, she focused on relevant topics like organizational change, high-performance teamwork and customer relations. McKennna has also led webinars on workplace happiness and unconscious bias in the workplace. With her additional interest in e-commerce and finance, McKenna's work has appeared in Forbes, CBS News and
Insperity company logo
Editor's Rating9.1/10
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