Better benefits
attract top talent

Insperity’s plan designs and long-term relationships with nationally
recognized insurance carriers allow us to provide employees with access to
cost-effective, comprehensive group health coverage.

document verification

Medical, dental and vision

Multiple offerings to satisfy individual needs.

  • Multiple options
  • Nationally recognized carriers
  • Dental and vision coverage independent of medical
  • Prescription coverage
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Flexible spending account

Employees can save money each year with a flexible spending account.

  • Eligible employees can pay for specific health care expenses using pretax dollars
  • Employees decide how much to set aside each paycheck before taxes
  • Employees can contribute up to $2,600 annually
  • Funds may also be used toward expenses for eligible dependents
document verification

Health savings account program

Employees can cover qualified health care expenses using a health savings account.

  • Available to Insperity high-deductible health plan enrollees
  • Money can be set aside through payroll deduction on a pretax basis
  • Ability to make employer contributions
document verification

Term life and personal accident insurance

Team members will have peace of mind when the unexpected happens.

  • Basic (employer-paid) and voluntary (employee-paid) options
  • Coverage amounts are equal to an employee’s covered annual earnings
  • Employees are covered anywhere
document verification

Disability insurance

An extra cushion employees need when unforeseen events make it difficult to work.

  • Basic (employer-paid) and voluntary (employee-paid) options
  • Short-term disability coverage replaces 60% of an employee’s covered weekly earnings
  • Long-term disability coverage replaces 60% of an employee’s covered monthly earnings
document verification

Employee assistance program

Improve the quality of employees’ lives both on and off the job.

  • Assistance with emotional well-being, addiction and recovery, legal matters and more
  • All members of an Insperity employee’s household are eligible for prepaid, professional counseling
  • Most services are available at no cost

Professionally managed, low-cost plan that minimizes the burden of daily administration and compliance.

  • Various eligibility options, 100% immediate vesting and flexible employer contributions
  • Pre-tax and Roth contributions, automatic enrollment, and loans and in-service withdrawals
  • With the Insperity 401(k) Plan, Insperity assumes the responsibilities and fiduciary obligations of plan sponsorship
  • The Insperity 401(k) Plan undercuts average industry fees by 40%-60%**

Another option is to sponsor your own Insperity Customized 401(k) Plan, which has competitive fees and can be designed for your specific situation and goals. This includes various options for eligibility, vesting, employee and employer contributions, automatic enrollment, and loans and in-service withdrawals.

* Insperity 401(k) Plan is an additional cost.

** According to comparisons with data provided by the 401k Averages Book. Data is licensed from the 401k Averages Book. All rights reserved. 401k Averages Book shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

Cost–efficient health coverage

The structure and design of Insperity’s Group Health Plan helps us keep costs low while providing value to employees.


Compounded annual cost

The compound annual cost increase for group health insurance and related benefits paid by Insperity over the last 10 years averaged 3.68%.

* This percentage is primarily based on the overall experience of the Insperity Group
Health Plan and is not reflective of past changes or a guarantee of future changes to a
client’s comprehensive service fee.

We handle the benefits process, start to finish

Carrier and plan analysis

As plan sponsor, Insperity negotiates contracts and manages
vendor relationships to help ensure compliance, cost
containment and stability.

Regulatory compliance

Insperity keeps its benefits plans in compliance with all
applicable laws.

Unparalleled service

Benefits specialists are just a phone call away to answer
employee questions. Or go online for 24/7 employee self-service
with enrollment and decision-making tools.

Choosing benefits is easier with our HR technology

Employees can select and manage benefits all in one place using our employee self-service HR technology solution, Insperity Premier™. With its clear and easy-to-use navigation, Insperity Premier™ makes browsing benefits simple and efficient – all from a desktop, tablet or mobile device.

Meet ALEX – your employees’ new benefits BFF

ALEX is an interactive support tool on Insperity Premier™ that helps simplify the benefits selection process for employees. Instead of wading through every possible option one by one, employees can lean on ALEX to help them quickly choose the plan that’s right for them.

By asking a series of questions, ALEX:
  • Helps identify the option that may work well for employees and their families
  • Takes only about 10 minutes, depending on the amount of guidance employees need
  • Is available 24/7 during open enrollment on Insperity Premier™

Check out what our clients are saying

“Insperity has enabled us to create
a benefits package that cares deeply for our people.”

Peter Kardel –
Co-founder & CEO, Clever Ducks

Wondering what you can expect from Insperity? See here.

Ready to learn how Insperity can help your business?
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