receives compensation from some of the companies listed on this page. Advertising Disclosure


Insperity PEO Services Review

Matt D'Angelo
Matt D'Angelo

Insperity is an ideal PEO for small businesses because it provides an all-in-one solution for HR services, including benefits administration, payroll processing, risk management resources, human resources consulting and employee training. Insperity has a five-employee minimum, competitive pricing and a contract structure that can scale with your business. Additionally, Insperity is accredited by the Employer Services Assurance Corporation and the IRS, verifying its high-quality services. For these reasons and more, Insperity is our choice for the best PEO for small businesses.

Insperity PEO Services

Insperity PEO Services

The Verdict

Insperity, our choice for the PEO with the best small business resources, offers great payroll, employee benefits, HR administration, risk management, training resources and customer service.

Visit Site

Ease of Use

Insperity provides small businesses with simple and effective PEO services. The intuitive, cloud-based platform makes it simple for administrators, managers and employees to tap into an array of services from a computer or mobile device. Insperity's platform is simple to use and navigate. From the online portal, users can access and modify important information, like time and attendance, time-off requests, compensation, 401(k) contributions, insurance information, training courses and more. This is a great way for small businesses to keep all of their HR functions in one location. 

The Insperity platform has an intuitive interface.

Overall, Insperity provides a long list of services that can scale to meet your small business's needs. Insperity's breadth of services is one of the largest of the companies we reviewed.

The company provides the following services:

  • Recruiting services
  • Employee onboarding
  • Insurance services
  • HR consulting
  • Retirement and 401(k) services
  • Accounting and bookkeeping services
  • Payroll
  • Time and attendance
  • Applicant tracking
  • Performance management
  • Job sourcing services
  • Group health insurance services
  • Benefits administration
  • COBRA and fringe benefits
  • Affordable Care Act compliance and reporting
  • HR policy development
  • Manager training
  • Compensation plan development
Insperity offers a wide range of valuable HR-related services.

Most PEOs, including Justworks, offer only service bundles. Insperity is one of the few companies we reviewed that can provide a-la-carte services. This is a major advantage for small companies that may need basic PEO support without the pressure of a large service package. Keep in mind, however, that signing up for individual services may nullify your opportunity to participate in Insperity's co-employment model.

TipTip: Work closely with your sales representative to ensure you get the services and employment model that make the most sense for your business.


Insperity offers stellar training resources and solid offerings in all major PEO service areas. With Insperity, you and your team have access to a comprehensive suite of HR functions, including the following:

HR Services

Insperity offers robust HR management services. Your company gets help with recruitment, onboarding, online training, employee handbook and policy creation, performance management, termination and dispute assistance, and leadership development.

Employee Benefits

Insperity provides standard benefits packages, including medical, vision and dental plans; short-term and long-term disability; a comprehensive 401(k) retirement plan; health savings account (HSA) and flexible spending account (FSA) options; life insurance; and employee assistance programs. Employees can use Insperity's self-service online portal to modify employee benefits as needed.

Payroll and Taxes

This PEO provides standard payroll processing, which includes federal, state and local payroll tax administration; year-end tax form preparation; wage garnishments; deduction administration; and payroll management reports. Insperity also provides time-and-attendance tracking and paid-time-off accruals.

Risk and Compliance

Insperity can assist with claims management, return-to-work programs, workers' compensation, government compliance, workplace safety training, policy development and training, employee screenings, employment practices liability insurance, termination and unemployment claims assistance, drug-free workplace policy development and Equal Employment Opportunity Commission services.

Training and Development

Insperity excels with its training resources. When your business partners with Insperity, you get access to more than 5,000 self-paced online courses, 30,000 online books on human resources topics, and other educational materials. Users can access instructor-led virtual training, as well as continuing professional education and professional development units for select courses.

Did you know?Did you know? Insperity representatives can help set up on-site training sessions for your team.

In addition, your designated HR services team works with you to provide training on other topics for you and your workforce. This flexibility provides a lot of potential for small businesses that need training resources or that want to help their employees grow.

The Insperity mobile app gives employees easy access to their pay stubs and benefits information.

Insperity PEO Pricing

Insperity's pricing and terms make it an ideal choice for small businesses that are looking to outsource the logistical headaches that come with running an expanding business. Whereas some PEOs charge businesses a gross percentage of their total payroll, Insperity charges per employee.

Insperity doesn't require long-term contracts. A standard contract for a business with fewer than 150 employees is typically one year, but you can cancel with 30 days' notice. Although you must have a minimum of five employees to qualify for Insperity's PEO services, you may be able to work around this minimum (with approval) if you meet certain criteria.

Insperity PEO provides bundles that can be tailored somewhat to your business; for example, for additional fees, you can add employment screening, expense management, insurance services, performance management, recruiting services and retirement services.

If you want individual HR services without the co-employment model, you can opt for Insperity's Workforce Acceleration program. This option still requires you to enroll in Insperity's payroll service, but every other service (e.g., accounting, recruiting, insurance, retirement services) is offered a la carte.


Getting set up on Insperity's system is simple. Once you sign up, you'll work closely with an Insperity account executive to get your company and team onboarded correctly. Once the paperwork has been processed and your company's information has been moved onto the Insperity platform, you can start accessing all of the services you signed up for. The PEO software is intuitive, so it's simple to get employees up and running with the new system.

Insperity offers a wide range of resources and tutorials. Business owners and employees can log in to their Insperity portal to access and modify important information, like hours worked, time-off requests, pay stubs, 401(k) contributions, HSA and FSA information, training courses and more. This is a great way for small businesses to keep all of their HR functions in one location. 

Customer Support

Insperity provides small businesses with a dedicated service team, including experts in each service area, like HR management, payroll, performance, recruitment, safety and benefits. Insperity also sets you up with a point person to facilitate your services and connect you with various experts depending on your needs.

For general PEO information, you can access several resources on Insperity's website, including a blog, checklists, demos, e-books and webinars.


One potential negative of Insperity is the five-employee requirement. While this isn't a dealbreaker for every business, it's something small business owners need to consider when looking for the right PEO. However, some other top services we reviewed, like Oasis, also require at least five employees. Insperity may be able to provide services to businesses of all sizes, but they may not be services tied to the company's co-employment model.

It also would have been nice to see some pricing information on the Insperity website. These estimates give small businesses a better idea of whether the service will be within their budgets.

Image Credit: fizkes / Getty Images
Insperity PEO Services

Insperity PEO Services

The Verdict

Insperity, our choice for the PEO with the best small business resources, offers great payroll, employee benefits, HR administration, risk management, training resources and customer service.

Visit Site
Matt D'Angelo
Matt D'Angelo Contributing Writer
I've worked for newspapers, magazines and various online platforms as both a writer and copy editor. Currently, I am a freelance writer living in NYC. I cover various small business topics, including technology, financing and marketing on and Business News Daily.