Insperity PEO review: pricing, payroll and contract terms

Insperity at a glance

Published price

Nonequote only

Fee model

Fixed $ per employeeplus pass-through costs

New-client promo

Up to $425credit per full-time employee, HR360

IRS CPEO

YesIRS active list, 8/7/2026

Insperity sells by quote, like most large PEOs. What sets its pricing apart is the structure: a flat dollar HR service charge per employee rather than a percentage of payroll. If you pay well or plan big raises, that model can matter more than the headline rate.

Insperity products and pricing

Insperity's pricing page describes the bill as two parts:

• Direct cost allocations: payroll taxes, workers' comp, benefits access and liability coverage.
• An HR service charge: a fixed dollar amount per employee that "won't increase if you pay your employees more".

Third-party figures: Fit Small Business (updated May 16, 2025, more than a year old) cites unverified user reports of $50 to $100 a month plus $5 to $10 per employee per month and a 5-employee minimum. Insperity has not confirmed them, and we treat them as low confidence. Forbes Advisor's 2026 list shows "$150/user" for Insperity, labeled "custom quote", with no date or source.

Fixed fee vs percent of payroll: what it means for 5, 10 and 25 employees

ADP's own PEO cost guide (updated July 14, 2026) puts industry admin fees at 2% to 12% of total payroll, or about $40 to $160 per employee per month. Here is why a fixed fee like Insperity's can come out ahead for a well-paid team. The table assumes everyone earns $50,000:

Under a percentage model, a 10% raise across the team raises the admin fee 10% too. Under Insperity's fixed charge, it does not. Ask Insperity to quote the HR service charge as a dollar figure per employee per month so you can compare it with Justworks' posted $79 to $124.

On top of the service charge, you still pay employer taxes at cost: 7.65% Social Security and Medicare on wages (Social Security up to the $184,500 wage base for 2026), net FUTA of 0.6% on the first $7,000 per employee ($42 each), and state unemployment tax at your state's rate (SUTA rates for 2026). For a 10-person, $500,000 payroll, the FICA line alone is 7.65% x $500,000 = $38,250 a year. See PEO cost per employee for how these lines appear on an invoice.

What the Insperity fee includes and leaves out

The direct cost allocations cover payroll taxes, workers' comp, benefits access and liability coverage, so these flow through one bill. What we could not find published:

• The cost of the health plans themselves. Premiums depend on the plan, your team's ages and your state.
• A setup fee, contract term or minimum headcount.
• A tax filing guarantee that says who pays penalties if a filing is wrong.
• Terms of the HR360 credit beyond "up to $425 per full-time employee" for new clients.

Because workers' comp is folded into direct cost allocations, ask for the workers' comp rate per $100 of payroll for each job class as its own line. That is the only way to compare it with a standalone policy (see what workers' comp costs).

Contract, minimums and exit terms

When you leave Insperity, the same four things change as with any PEO: your health plans end with the co-employment, the 401(k) has to move to a new plan, your state unemployment account may need reopening, and Insperity, as a CPEO, is treated as the employer for the wages it paid, so expect its W-2s for that part of the year. A January 2023 Trustpilot reviewer summed up their exit as "we fired them" (Trustpilot). Get the termination clause and the record-access period in writing before you sign. The full checklist is on how to leave a PEO without losing benefits.

CPEO status, states and company size

Certified PEO: yes. The IRS active CPEO list (report date 8/7/2026) includes Insperity PEO HR, Inc. and Insperity PEO Services, L.P. Insperity's site pages we read do not mention it. Check that your contract names one of these exact entities; the IRS warns that CPEO names look alike. More in our certified PEO directory.

States: not stated on the pages we read. Multi-state payroll is the main complaint in recent reviews (below), so ask how Insperity registers and reports in each state where you have people.

Size: no published minimum or maximum. Insperity also sells options for larger businesses.

Support

Insperity's contact page lists customer service at 1-866-715-3552, with call hours of 7am to 7pm Central time, Monday to Friday, plus an online message portal. Some review sites list Insperity as having 24/7 phone support; Insperity's own page shows weekday hours, so go by that.

What Insperity customers complain about

Insperity has few public reviews: Trustpilot shows 2.6 out of 5 from 10 reviews and G2 shows 4.3 out of 5 from 431 reviews (both seen October 16, 2026). With so few Trustpilot reviews, treat patterns as signals, not proof.

Our score for Insperity

Insperity ranks 5 of the 15 PEOs we score.

Scores use published terms, prices and documented complaints; we did not test Insperity. Read our scoring method or see the full PEO rankings.

Who Insperity fits, and who should look elsewhere

Compare: Insperity vs TriNet, the ADP TotalSource review and the Paychex PEO review. Start from the PEO overview if you are still deciding whether you need one.

More PEO reviews and comparisons

• ADP TotalSource reviewADP's PEO: quote-only pricing, workers' comp in the fee, renewals.
• Engage PEO reviewQuote-only PEO on the IRS CPEO list; most terms not public.
• Justworks reviewPosted PEO prices, the 2026 increase, complaints and how to leave.
• Justworks alternativesScored alternatives, payroll-only routes and a step-by-step exit plan.
• Justworks vs TriNetA posted $79 to $124 PEO fee against TriNet's quote, minimum headcount and longer support hours.
• Paychex PEO reviewQuote-only pricing, 2026 estimates, Oasis and the exit fees to ask about.
• Rippling PEO reviewQuote-only PEO on a modular platform; CPEO status not confirmed.
• Rippling vs JustworksJustworks' posted $79 to $124 PEO fee against Rippling's quote-only PEO and modules.
• TriNet reviewQuote-only pricing, the FSA complaints, minimums and how to leave.
• TriNet alternativesScored alternatives, the ASO option and what changes when you leave.
• TriNet vs InsperityTwo quote-only PEOs: TriNet's per-employee fee against Insperity's fixed HR charge and $425 credit.