BBSI vs Insperity
How the two PEOs compare on pricing, minimum employees and fit.
| BBSI | Insperity | |
|---|---|---|
| Company size | 3,658 employees (2024) | About 4,200 employees (2025) |
| Headquarters | Vancouver, WA | Kingwood (Houston), TX |
| Founded | 1965 | 1986 |
| Pricing | Not public. Custom quote. | Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. |
| Pricing model | Quote only | Quote only |
| Best for | Construction, restaurant, hospitality, landscaping, manufacturing and trucking businesses, especially on the West Coast | Companies that want a dedicated HR account team |
| IRS certified (CPEO) | Not found by name on the IRS list | Yes, on the IRS list |
| ESAC accreditation | Not confirmed | Not confirmed |
| Minimum employees | Not confirmed | 5 employees |
Carriers, 401(k) and workers' comp: side by side
| BBSI | Insperity | |
|---|---|---|
| Health carriers | Fully insured arrangements with third-party carriers; carriers not named BBSI FY2024 Form 10-K · SEC filing | 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 | Not publicly listed yet. We will get this for you: request a quote and we will include it. | Insperity 401(k) Plan; recordkeeper not named Insperity retirement page · Provider site |
| Workers' comp | Own licensed insurers (Ecole Insurance Company in Arizona and Utah; Associated Insurance Company for Excess) plus fully licensed third-party insurers; third-party names not given BBSI FY2024 Form 10-K · SEC filing | 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 Many PEOs do not publish their carriers or recordkeepers, so "not publicly listed" means we could not find it, not that none exists.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 BBSI if
Construction, restaurant, hospitality, landscaping, manufacturing and trucking businesses, especially on the West Coast.
- Each client gets a team: payroll consultant, HR consultant, risk manager and business partner
- Multiple-employer 401(k) plan
- Legal employer in all 50 states with regional offices across the West and parts of the East
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 BBSI about
- In-person support is strongest where it has branch offices
- Industry focus excludes remote professionals
- Pricing is not public and minimum employees are not stated
Ask Insperity about
- No self-serve pricing
- Five-employee minimum (exceptions may be possible by contacting Insperity)
Frequently asked questions
Is BBSI or Insperity cheaper?
BBSI: Not public. Custom quote. 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, BBSI or Insperity?
BBSI is best for construction, restaurant, hospitality, landscaping, manufacturing and trucking businesses, especially on the west coast. 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.