Insperity vs TriNet
How the two PEOs compare on pricing, minimum employees and fit.
| Insperity | TriNet | |
|---|---|---|
| Company size | About 4,200 employees (2025) | 3,622 employees (2019) |
| Headquarters | Kingwood (Houston), TX | Dublin, CA |
| Founded | 1986 | 1988 |
| Pricing | Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. | No published PEO pricing. Quote required. |
| Pricing model | Quote only | Quote only |
| Best for | Companies that want a dedicated HR account team | Companies in TriNet's core industries that want industry-specific packages |
| IRS certified (CPEO) | Yes, on the IRS list | Yes, on the IRS list |
| ESAC accreditation | Not confirmed | Not confirmed |
| Minimum employees | 5 employees | 5 employees |
Carriers, 401(k) and workers' comp: side by side
| Insperity | TriNet | |
|---|---|---|
| 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 | Plans sponsored through a broad range of carriers; none named |
| 401(k) provider | Insperity 401(k) Plan; recordkeeper not named | TriNet-managed 401(k); recordkeeper not named |
| 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 | Fully insured through policies negotiated with third-party carriers; carriers not named |
| Other named partners | Not publicly listed yet. We will get this for you: request a quote and we will include it. | Healthee powers the Personal Health Assistant |
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 Many PEOs do not publish their carriers or recordkeepers, so "not publicly listed" means we could not find it, not that none exists.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 TriNet if
Companies in TriNet's core industries that want industry-specific packages.
- Broad access to major health carriers
- Industry-specific PEO packages
Ask Insperity about
- No self-serve pricing
- Five-employee minimum (exceptions may be possible by contacting Insperity)
Ask TriNet about
- Requires a minimum of five employees
- Reviewers report escalating renewal pricing
- Does not support hazardous industries such as heavy construction
Frequently asked questions
Is Insperity or TriNet cheaper?
Insperity: Quote only. Reported at roughly $150 to $210 per employee per month by third-party sources. TriNet: No published PEO pricing. Quote required. Published rates are not directly comparable to quote-only pricing, and health premiums are separate.
Which is better for a small company, Insperity or TriNet?
Insperity is best for companies that want a dedicated hr account team. TriNet is best for companies in trinet's core industries that want industry-specific packages.
Last verified November 4, 2026. Based on third-party reviews and vendor pricing pages. See each provider page for sources.