ADP TotalSource vs Insperity
How the two PEOs compare on pricing, minimum employees and fit.
| ADP TotalSource | Insperity | |
|---|---|---|
| Company size | About 67,000 employees (ADP, 2025) | About 4,200 employees (2025) |
| Headquarters | Roseland, NJ | Kingwood (Houston), TX |
| Founded | 1949 | 1986 |
| Pricing | No published PEO pricing. Quote required. | Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. |
| Pricing model | Quote only | Quote only |
| Best for | Established mid-market companies | Companies that want a dedicated HR account team |
| IRS certified (CPEO) | Yes, on the IRS list | Yes, on the IRS list |
| ESAC accreditation | Not confirmed | Not confirmed |
| Minimum employees | 5 employees | 5 employees |
Carriers, 401(k) and workers' comp: side by side
| ADP TotalSource | Insperity | |
|---|---|---|
| Health carriers | Multiple carrier choices; carriers not named ADP comparison page · Provider site | UnitedHealthcare covers about 85% of participants (contract through Dec 31, 2028, partially self-funded). Also UnitedHealthcare of California, Kaiser Permanente, Blue Shield of California, HMSA BlueCross BlueShield of Hawaii and Harvard Pilgrim Insperity FY2025 Form 10-K · SEC filing · Filed 2026 |
| 401(k) provider | ADP TotalSource Retirement Savings Plan, a multiple employer 401(k) with 23 funds, 6,500+ adopting employers, 348,000 participants and $9B+ in assets (Sept 30, 2024); total cost 0.26% to 1.01%. Materials are branded Voya, which suggests Voya as recordkeeper (inferred, not stated) Voya/ADP cost brochure · Provider site · Sept 30, 2024 | Insperity 401(k) Plan; recordkeeper not named Insperity retirement page · Provider site |
| Workers' comp | Workers' comp insurance with claims support, safety support and 24/7 nurse triage; carrier not named ADP comparison page · Provider site | Chubb, fully insured program since 2007; Insperity bears the first $1.5 million per occurrence. Filing says coverage ran to Sept 30, 2026, so ask about the current program Insperity FY2025 Form 10-K · SEC filing · Filed 2026 |
| Other named partners | Not publicly listed yet. We will get this for you: request a quote and we will include it. | Not publicly listed yet. We will get this for you: request a quote and we will include it. |
Due diligence checked November 4, 2026. We only list carriers and partners that a filing, the provider or a named review states. Many PEOs do not publish their carriers or recordkeepers, so "not publicly listed" means we could not find it, not that none exists. If something is missing, request a quote and we will get it from the PEO for you. Lineups vary by state and change at renewal. Source types: SEC filing (strongest), provider site, third-party review.
Questions to ask before you sign
- Which medical carriers and networks are available in my state and zip code?
- Are the health plans fully insured or partially self-funded, and who bears claims risk?
- Who is the 401(k) recordkeeper, and what are the total plan fees and match options?
- Who is the workers' comp carrier, how are rates set, and what happens to my experience rating if I leave?
- Is the entity that will employ my staff on the IRS CPEO list, and is it ESAC accredited?
- What renewal increase did your plans see in each of the last 3 years?
Choose ADP TotalSource if
Established mid-market companies.
- Large scale with more than half a million worksite employees reported
- Broad HR, payroll and benefits administration
Choose Insperity if
Companies that want a dedicated HR account team.
- High-touch HR support
- Performance management and workers' compensation coverage
- Plans for startups through mid-market companies
Ask ADP TotalSource about
- Pricing is not published
- Cost structure is reported as better suited to larger teams
Ask Insperity about
- No self-serve pricing
- Five-employee minimum (exceptions may be possible by contacting Insperity)
Frequently asked questions
Is ADP TotalSource or Insperity cheaper?
ADP TotalSource: No published PEO pricing. Quote required. Insperity: Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. Published rates are not directly comparable to quote-only pricing, and health premiums are separate.
Which is better for a small company, ADP TotalSource or Insperity?
ADP TotalSource is best for established mid-market companies. Insperity is best for companies that want a dedicated hr account team.
Last verified November 4, 2026. Based on third-party reviews and vendor pricing pages. See each provider page for sources.