Insperity vs Questco
How the two PEOs compare on pricing, minimum employees and fit.
| Insperity | Questco | |
|---|---|---|
| Company size | About 4,200 employees (2025) | Being confirmed |
| Headquarters | Kingwood (Houston), TX | Houston area, TX |
| Founded | 1986 | Being confirmed |
| Pricing | Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. | No published rates. Cost depends on company size and services chosen, plus a one-time onboarding fee equal to one month of administrative costs. |
| Pricing model | Quote only | Quote only |
| Best for | Companies that want a dedicated HR account team | Small and mid-sized businesses, including franchises, that want a Texas-based PEO |
| IRS certified (CPEO) | Yes, on the IRS list | Yes, on the IRS list |
| ESAC accreditation | Not confirmed | Not confirmed |
| Minimum employees | 5 employees | Not confirmed |
Carriers, 401(k) and workers' comp: side by side
| Insperity | Questco | |
|---|---|---|
| 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 | Pooled Questco master health plan, or benefits administration alongside your existing broker's plan; carriers not named Questco blog · Provider site |
| 401(k) provider | Insperity 401(k) Plan; recordkeeper not named Insperity retirement page · Provider site | Not publicly listed yet. We will get this for you: request a quote and we will include it. |
| 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 | Not publicly listed yet. We will get this for you: request a quote and we will include it. |
| 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 Many PEOs do not publish their carriers or recordkeepers, so "not publicly listed" means we could not find it, not that none exists.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 Questco if
Small and mid-sized businesses, including franchises, that want a Texas-based PEO.
- No strict minimum headcount stated
- Headquartered in the Houston, Texas area with service offices in Texas, Nebraska, Arizona and Colorado
- Offers its own health and welfare benefits plan
Ask Insperity about
- No self-serve pricing
- Five-employee minimum (exceptions may be possible by contacting Insperity)
Ask Questco about
- Pricing is not published
- Carriers pay commissions to Questco or its affiliated brokers on benefits, built into premiums
- Contract terms are not stated on its FAQ
Frequently asked questions
Is Insperity or Questco cheaper?
Insperity: Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. Questco: No published rates. Cost depends on company size and services chosen, plus a one-time onboarding fee equal to one month of administrative costs. Published rates are not directly comparable to quote-only pricing, and health premiums are separate.
Which is better for a small company, Insperity or Questco?
Insperity is best for companies that want a dedicated hr account team. Questco is best for small and mid-sized businesses, including franchises, that want a texas-based peo.
Last verified November 4, 2026. Based on third-party reviews and vendor pricing pages. See each provider page for sources.