The cost of Insperity varies between $150-$210/employee each month. There are three types of pricing associated with Insperity: HRCore, HR360, and HRScale – all suited to a different company stage and HR capability. These plans come with custom-based pricing. And since each of these price plans has its own selected features, it's essential to go through them carefully so that you can pick the appropriate plan for your business operations. For your detailed overview of Insperity pricing, we have merged this cost guide, which is backed by industry insights and user reviews.
Insperity has custom pricing for its HR and PEO plans based on workforce size, payroll, tax requirements, workers' compensation, EPLI coverage, and contributions to benefits packages
The platform can either be used as a stand-alone through HRCore, which would provide basic HCM support, or combined with full-service PEO support (HR360) for a more complete co-employment solution
Clients of Insperity have the flexibility to move from HRCore to HR360 or upgrade to HRScale, as they grow or require additional services
If an enterprise client has a need for enterprise-level technology combined with strategic HR assistance, they have the capability to choose HRScale, which contains Insperity's PEO services with Workday's HCM capabilities
Businesses with internal HR staff can use HRCore for technology and administrative support without giving up strategic control
Companies without dedicated HR teams or those in high-risk industries can choose HR360 for full-service support, including performance specialists and compliance expertise
Feature Differentiation Between Insperity Pricing Plans
Here's how Insperity features differ across plans:
Feature Category
HRCore
HR360
HRScale
HCM Technology
Full HCM technology platform included
Same as HRCore
Same as HRCore, powered by the Workday HCM platform
Payroll Processing
Full payroll processing included
Same as HRCore
Same as HRCore, integrated with Workday
Time & Attendance
Integrated time and attendance tracking included
Same as HRCore
Same as HRCore, powered by Workday
Benefits Administration
Benefits administration tools included
Not included
Not included
Co-Employment Model
Not included
PEO co-employment
PEO co-employment
HR Strategy Consulting
Not included
Full HR strategy consulting is included with dedicated HR professionals
Same as HR360
Performance Specialist
Not included
Dedicated performance specialist included
Same as HR360
Compliance Support
Core HR compliance support included
Full compliance + EEO assistance + safety specialist
Same as HR360 + Multi-state HR-related compliance
Learning & Development
Not included
Learning & Development Included
Same as HR360
Applicant Tracking System (ATS)
Available as an additional fee-based service
Same as HRCore
Same as HRCore
Custom Employee Handbook
Not included — only self-service builder available
Fully customized employee handbook creation included
Same as HR360
Benefits Plan Sponsor & Administrator
Not included
Insperity acts as the plan sponsor and administrator, handling the entire benefits process from beginning to end
Same as HR360
Employee Health & Welfare Benefits
Not included
Insperity provides access to Fortune 500-level employee health and welfare benefits
Same as HR360
Employer Liability Management
Not included
Employer liability management is included to help reduce business risk
Same as HR360
Insurance Services
Available upon request through Insperity Insurance Services LLC for additional fees
Same as HRCore
Same as HRCore
Detailed Breakdown Of Insperity Pricing
The exact cost of using Insperity differs according to the number of employees, the types of services you choose (like basic HR technology or complete PEO with benefits), and how much further strategic support you require. Insperity has flexible options for companies of all sizes.
Below we have listed a breakdown of the Insperity plans, with what each offers and when they make most sense:
Insperity HRCore
Ideal For: This one works well for small to mid-sized businesses that want an HCM platform with full-service payroll processing
What To Know About This Plan: HRCore provides integrated HR technology with a per-employee, per-month pricing structure. This plan does not contain co-employment (like HR360). That means your business retains full legal responsibility as the employer of record.
It is ideal for those companies that need payroll, compliance, and workforce tools with the option to add services as they grow, but do not want a full PEO commitment.
Insperity HRCore Plan Features:
Integrated HCM platform for unified HR operations
Full-service payroll processing
Time and attendance tracking for accurate payroll
Administrative HR support from experienced professionals
Employee onboarding tools
HR compliance support
Workforce analytics and reporting capabilities
E-learning platform with thousands of training courses
Applicant tracking system (available as an add-on)
Employee handbook builder for policy documentation
Benefits administration tools
Retirement services integration (available as an add-on)
Insperity HR360
Ideal For: Any businesses that want a full-service PEO relationship with a complete HR infrastructure and Fortune 500-level benefits can use this plan
What To Know About This Plan: HR360 operates under a co-employment model where the PEO (Insperity) is the legal employer for payroll, taxes, and benefits purposes. What we found special about this plan is that it includes a dedicated client service team with an average of 60+ years of shared HR experience.
Not only that, but this plan has access to performance specialists, safety specialists, and HR strategy consultants. And because of its strong compliance capabilities, it should be considered for businesses in regulated industries or operating in multi-state environments.
Insperity HR360 Plan Features:
All HRCore features, plus:
Employee health and welfare benefits
Insperity as a benefits plan sponsor and administrator
Access to Fortune 500-level benefits packages
EEO assistance and compliance guidance
Employment Practices Liability Insurance (EPLI)
Dedicated performance specialist for employee development
Safety specialist
Comprehensive employer liability management
HR strategy consulting from experienced professionals
Compensation strategy development
Custom employee handbook creation
Learning and development strategy planning
Full Professional Employer Organization (PEO) partnership
Insperity HRScale
Ideal For: This one suits for growing businesses that need enterprise-grade HR technology combined with certified HR expertise
What To Know About This Plan: HRScale is Insperity's newest offering, developed through a strategic partnership with Workday, announced in February 2024. It combines Workday's award-winning cloud-based HCM platform with Insperity's full-service PEO model, creating what both companies describe as an ‘industry-first solution’ for the middle market. The plan contains expert support from Workday-certified professionals. Along with that, it adds additional benefits by providing multi-state-related compliance, at the same time enabling a data-driven workforce strategy.
Insperity HRScale Plan Features:
All HR360 features, plus:
Workday Human Capital Management (HCM) platform
Enterprise-grade cloud-based HR management
High-touch service from a dedicated team
Workday-certified professional support team
Ongoing federal and multi-state employment law monitoring
Multi-state compliance management for expanding businesses
What Users Are Saying About Insperity Pricing
Some users didn't like the fact that its pricing lacks clarity upfront. As per one reviewer, ‘the pricing structure lacks transparency’. That suggests that companies are not able to get a complete picture of what they will pay until after they have made their commitment to the platform
Meanwhile, other users reported that they experienced additional costs due to bundled services. One user commented, hey sell you on the fact that healthcare will cost less. In the end, healthcare will cost less, but they will REQUIRE you to sign up for other services at exorbitant prices. Ultimately, it will cost you about the same. In other words, what you save on healthcare, you end up spending on services you were required to buy
On a positive note, one reviewer stated, ‘My benefits package was GREAT. It was just enough for me, and the price point was fantastic. For employees, the benefits quality relative to cost can feel like a strong value
Numerous businesses have indicated that they have seen real financial results from their partnership with Insperity. One user commented, we save quite a bit of money each year and provide competitive benefits for our employees by partnering with Insperity’. For companies that find the right fit, Insperity can deliver measurable cost savings while keeping employee benefits competitive
Additional Costs To Consider
Cost Category
Applies To
Description
Applicant Tracking System (ATS)
All plans
ATS functionality is available as an add-on with additional fees. Businesses that need recruitment and hiring tools should factor this into the total cost
Talent Acquisition Services
All plans
Professional recruiting support requires the execution of additional documents and carries separate fees beyond base plan pricing
Retirement Services
All plans
401(k) integration and retirement plan administration are fee-based services requiring additional contracts
Insurance Services
All plans
Insurance plans are available through Insperity Insurance Services LLC (CA license #OE22586), with additional fees charged separately from HR services
Contractor Management
All plans
The Wingspan-powered contractor management solution for 1099 workers may involve extra monthly fees for onboarding, payments, and tax reporting
Implementation Fees
All new clients
While not always disclosed upfront, implementation and onboarding may carry one-time setup costs depending on business size and complexity
Choosing The Right Insperity Pricing Plan
Your decision about which plan you ultimately choose is based on whether you want basic HR technology, a strategic HR partnership, or enterprise-grade systems combined with full-service support. To help you to determine the plan that best fits your unique circumstances, there are a few factors you should consider:
The first step is deciding if you want to remain a complete employer (HRCore) or be co-employed (HR360 or HRScale). This decision will set up the structure for who is liable and benefits access
Next, determine if you will need Fortune 500-level benefits packages. If attracting talent through competitive benefits is your business priority, HR360 or HRScale provides access to Insperity-sponsored plans that small businesses cannot typically access independently
Think about your industry risk profile. Employers in high-risk industries or those with extensive compliance requirements can benefit from having dedicated safety specialists and an employer liability management team provided by Insperity's HR360 plan
Think about your technology needs. If your employer prefers modern, enterprise-class HCM platforms and has an established preference for Workday, then they would likely prefer HRScale's Workday integration instead of Insperity's proprietary technology found in HRCore and HR360
Then, assess how many states you are doing business in. If you have multi-state operations, you will need significant compliance resources, which you can access in the HRScale plan
Calculate your total employer cost/employee by adding administrative service fees to add-ons such as Applicant Tracking Systems (ATS), contractor management, and retirement benefits
Request a detailed price breakdown of the costs associated with the base fee, and what requires additional payment
Determine if you will be eligible for any discounts based on contract length or number of employees; pricing flexibility may exist based on your situation
Is Insperity Worth It?
To understand whether Insperity is worth it, consider several factors such as pricing transparency, contract flexibility, customer support quality, ease of use, and how well the platform scales with your business size.
Of those, value for money and ease of use give you the clearest picture of how this platform will perform generally:
Value For Money
Insperity has earned a 4/5 overall value of money. Numerous Insperity users state they experience a significant financial gain through their partnership (especially related to the cost of paying for employee benefits). For instance, a review from an Insperity client stated they have saved significant money each year while still offering competitive benefits to their team. For employees, the quality of the benefits package relative to cost is frequently described as a strong point, with some calling it both comprehensive and well-priced.
However, the lack of pricing transparency is one of the most commonly raised concerns among those reviews. They didn't get the cost structure upfront. Therefore, they face difficulty obtaining information relative to their estimated total costs in advance in order to evaluate their ultimate total cost of doing business with Insperity.
Ease Of Use
Insperity earns a 4/5 for ease of use. Many of the users report that it is well-organized and easy-to-use. The payroll, time tracking, benefits, and HR records on the platform are all available through a single dashboard. This eliminates confusion for both the user and administrator in finding the information they need. The mobile app also receives positive mentions, with users appreciating how quickly they can locate documents like health insurance cards on the go.
On the other end, there were some users who commented on a specific area of the platform being less than intuitive. For example, fewer users noted that payroll features and benefits enrollment were occasionally slow, and this caused issues completing tasks that had time limits.
Alternatives To Insperity
Let's take a look at some alternative solutions, comparing their approaches for similar capabilities and their pricing:
Alternative
Starting Price
Overall Rating
Rippling HR
Starting at $8/employee/month
4.9
Justworks
Starting at $8/month/employee + $50/month base fee
4.5
Paycor software
Starting at $99/month
4.3
Paychex Flex
Starting at $5/month/employee + $39/month base fee
4.0
TriNet
Starting at $100 to $140/employee/month (PEPM)
3.4
Disclaimer: Pricing references are based on publicly available third-party information and industry benchmarks. Actual costs may vary.
Making The Final Decision
Based on user reviews, Insperity has received the following ratings:
Overall rating: 4.1/5
Ease of use: 4/5
Value for money: 4/5
Picking the right Insperity plan depends on your business size, whether you want co-employment benefits, and the level of strategic HR support you require. Companies that have simple human resources (HR) needs and are small or medium-sized may find HRCore is sufficient. Companies that have aggressive growth plans, which require the same amount of competitive benefits as Fortune 500 companies, might benefit more from HR360's full-service PEO model.
For rapidly expanding companies, HRScale may be best, as it includes enterprise-class Workday technology. Also, determine the number of employees, any add-on requirements, and overall cost/employee so that you can maximize your expenses without incurring redundant costs.
FAQs
Insperity pricing typically ranges between $150 and $210/employee/month, though exact costs vary based on the plan selected, number of employees, services included, and business complexity.
Yes, Insperity allows you to move between plans as the needs of your business change. For example, you may want to start off with an HRCore plan but later decide to upgrade to an HR360 plan for more complete PEO coverage; likewise, companies also have the option of switching over to the HRScale plan as they grow into the mid-market sector.
Yes, in addition to your standard plan fees, you will incur some additional charges associated with applicant tracking services, talent acquisition services, and 401(k) administration fees, etc.
Yes, the software supports companies operating in multiple state jurisdictions.
Methodology
Insperity's pricing isn't publicly disclosed on its website. This guide uses third-party sources and industry benchmarks to establish a typical pricing range, cost drivers, and common PEO pricing patterns. We also reviewed user reviews to analyze the most common trends concerning cost, value for money, and ease of use for each Insperity user. By doing this, we gain some insight into how companies using Insperity would have performed under real work conditions.
