Insperity PEO: pricing, minimums and fit
Companies that want a dedicated HR account team.
IRS Certified PEO
Last verified November 4, 2026. Suggest a correction
| Founded | 1986 |
|---|---|
| Headquarters | Kingwood (Houston), TX |
| Company size | About 4,200 employees (2025) |
| Pricing | Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. |
| Pricing model | Quote only |
| Minimum employees | 5 employees |
| Best for | Companies that want a dedicated HR account team |
| IRS certification (CPEO) | Yes, on the IRS list. IRS list, August 7, 2026 |
| ESAC accreditation | Not confirmed in the sources we reviewed. Ask the provider or check ESAC. |
Carriers, 401(k) and workers' comp
| Insperity | |
|---|---|
| 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 |
| 401(k) provider | Insperity 401(k) Plan; recordkeeper not named Insperity retirement page · Provider site |
| 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 |
| Other named partners | 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 Many PEOs do not publish their carriers or recordkeepers, so "not publicly listed" means we could not find it, not that none exists.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?
Strengths
- High-touch HR support
- Performance management and workers' compensation coverage
- Plans for startups through mid-market companies
Good to ask about
- No self-serve pricing
- Five-employee minimum (exceptions may be possible by contacting Insperity)
Compare Insperity
Frequently asked questions
How much does Insperity cost?
Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources.
What is the minimum number of employees for Insperity?
Insperity lists or is reported to have a minimum of 5 employees.
Who is Insperity best for?
Companies that want a dedicated HR account team.
Sources
Checked November 4, 2026. Details come from third-party reviews and vendor pricing pages and may be out of date.