Insperity vs Justworks
How the two PEOs compare on pricing, minimum employees and fit.
| Insperity | Justworks | |
|---|---|---|
| Company size | About 4,200 employees (2025) | 1,165 employees |
| Headquarters | Kingwood (Houston), TX | New York, NY |
| Founded | 1986 | 2012 |
| Pricing | Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. | PEO Basic $79 and PEO Plus $124 per employee per month. Some sources still list Plus at $109, so confirm on justworks.com/pricing. |
| Pricing model | Quote only | Published |
| Best for | Companies that want a dedicated HR account team | Small teams that want published pricing and a simple platform |
| IRS certified (CPEO) | Yes, on the IRS list | Yes, on the IRS list |
| ESAC accreditation | Not confirmed | Accredited |
| Minimum employees | 5 employees | 2 employees |
Carriers, 401(k) and workers' comp: side by side
| Insperity | Justworks | |
|---|---|---|
| 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 Filed 2026 | Aetna, UnitedHealthcare, Kaiser Permanente (medical, dental, vision) and MetLife |
| 401(k) provider | Insperity 401(k) Plan; recordkeeper not named | Administered through a third-party partner, reported as Slavic401k |
| 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 Filed 2026 | Not publicly listed yet. We will get this for you: request a quote and we will include it. |
| Other named partners | Not publicly listed yet. We will get this for you: request a quote and we will include it. | Teladoc and One Medical (as available); EVERFI powers compliance training |
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 Many PEOs do not publish their carriers or recordkeepers, so "not publicly listed" means we could not find it, not that none exists.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 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
Choose Justworks if
Small teams that want published pricing and a simple platform.
- Public price list with no base fee
- Payroll, HR support and compliance in one fee
- International Employer of Record add-on at $599 per employee per month
Ask Insperity about
- No self-serve pricing
- Five-employee minimum (exceptions may be possible by contacting Insperity)
Ask Justworks about
- Health premiums are billed on top of the platform fee
- Per-employee cost does not shrink much as headcount grows
Frequently asked questions
Is Insperity or Justworks cheaper?
Insperity: Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. Justworks: PEO Basic $79 and PEO Plus $124 per employee per month. Some sources still list Plus at $109, so confirm on justworks.com/pricing. Published rates are not directly comparable to quote-only pricing, and health premiums are separate.
Which is better for a small company, Insperity or Justworks?
Insperity is best for companies that want a dedicated hr account team. Justworks is best for small teams that want published pricing and a simple platform.
Last verified November 4, 2026. Based on third-party reviews and vendor pricing pages. See each provider page for sources.