Insperity vs Oasis PEO
How the two PEOs compare on pricing, minimum employees and fit.
| Insperity | Oasis PEO | |
|---|---|---|
| Company size | About 4,200 employees (2025) | Being confirmed |
| Headquarters | Kingwood (Houston), TX | West Palm Beach, FL |
| Founded | 1986 | Being confirmed |
| Pricing | Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. | Quote-based. Applicant tracking and performance management cost extra. |
| Pricing model | Quote only | Quote only |
| Best for | Companies that want a dedicated HR account team | Growing small and mid-sized businesses with fewer than 49 employees (Oasis Outsourcing, now part of Paychex) |
| IRS certified (CPEO) | Yes, on the IRS list | Yes, on the IRS list |
| ESAC accreditation | Not confirmed | Accredited |
| Minimum employees | 5 employees | 5 employees |
Carriers, 401(k) and workers' comp: side by side
| Insperity | Oasis PEO | |
|---|---|---|
| Health carriers | 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 | Not publicly listed yet. We will get this for you: request a quote and we will include it. |
| 401(k) provider | Insperity 401(k) Plan; recordkeeper not named Insperity retirement page · Provider site | 401(k) and a Pooled Employer Plan (PEP) offered; provider not named Crazy Egg review · Third-party review |
| Workers' comp | 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 | Workers' compensation plans offered through Paychex Insurance Agency; carrier not named Crazy Egg review · Third-party review |
| 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 Many PEOs do not publish their carriers or recordkeepers, so "not publicly listed" means we could not find it, not that none exists.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 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
Choose Oasis PEO if
Growing small and mid-sized businesses with fewer than 49 employees (Oasis Outsourcing, now part of Paychex).
- Assigned payroll account manager and HR professional with 24-hour HR phone support
- IRS and ESAC accredited
- Workers' comp, cyber liability and employment practices liability coverage options
Ask Insperity about
- No self-serve pricing
- Five-employee minimum (exceptions may be possible by contacting Insperity)
Ask Oasis PEO about
- One-year minimum contract with 30 days' written notice to cancel, and an early termination fee may apply
- Interface described as dated
- Sources disagree on the minimum: one says five employees, another says none
Frequently asked questions
Is Insperity or Oasis PEO cheaper?
Insperity: Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. Oasis PEO: Quote-based. Applicant tracking and performance management cost extra. Published rates are not directly comparable to quote-only pricing, and health premiums are separate.
Which is better for a small company, Insperity or Oasis PEO?
Insperity is best for companies that want a dedicated hr account team. Oasis PEO is best for growing small and mid-sized businesses with fewer than 49 employees (oasis outsourcing, now part of paychex).
Last verified November 4, 2026. Based on third-party reviews and vendor pricing pages. See each provider page for sources.