Deel US PEO vs Insperity
How the two PEOs compare on pricing, minimum employees and fit.
| Deel US PEO | Insperity | |
|---|---|---|
| Company size | About 5,000 employees (2025) | About 4,200 employees (2025) |
| Headquarters | Remote-first | Kingwood (Houston), TX |
| Founded | 2019 | 1986 |
| Pricing | Reported at $125 per employee per month. Confirm with Deel. | Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. |
| Pricing model | Published (reported) | Quote only |
| Best for | Companies already using Deel for international hiring | Companies that want a dedicated HR account team |
| IRS certified (CPEO) | Not found by name on the IRS list | Yes, on the IRS list |
| ESAC accreditation | Not confirmed | Not confirmed |
| Minimum employees | Not confirmed | 5 employees |
Carriers, 401(k) and workers' comp: side by side
| Deel US PEO | Insperity | |
|---|---|---|
| Health carriers | Aetna and Kaiser Permanente national medical plans; MetLife for voluntary coverage | 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 Filed 2026 |
| 401(k) provider | Not publicly listed yet. We will get this for you: request a quote and we will include it. | Insperity 401(k) Plan; recordkeeper not named |
| Workers' comp | Not publicly listed yet. We will get this for you: request a quote and we will include it. | 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 Filed 2026 |
| 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 Many PEOs do not publish their carriers or recordkeepers, so "not publicly listed" means we could not find it, not that none exists.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.
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 Deel US PEO if
Companies already using Deel for international hiring.
- Single vendor for US PEO and global hiring
- Benefits included in the reported rate
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
Ask Deel US PEO about
- Minimum employee count not confirmed in sources reviewed
- Price comes from a third-party source
Ask Insperity about
- No self-serve pricing
- Five-employee minimum (exceptions may be possible by contacting Insperity)
Frequently asked questions
Is Deel US PEO or Insperity cheaper?
Deel US PEO: Reported at $125 per employee per month. Confirm with Deel. Insperity: Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. Published rates are not directly comparable to quote-only pricing, and health premiums are separate.
Which is better for a small company, Deel US PEO or Insperity?
Deel US PEO is best for companies already using deel for international hiring. Insperity is best for companies that want a dedicated hr account team.
Last verified November 4, 2026. Based on third-party reviews and vendor pricing pages. See each provider page for sources.