Insperity (PEO) vs Gusto

The short answer

Insperity is a PEO founded in 1986: its HR360 plan takes on payroll and tax filings, workers' compensation coverage and Insperity-sponsored benefits through co-employment, priced by quote. Gusto is payroll, benefits and HR software from $49 a month plus $6 per person.

By LeadChange Research TeamUpdated Oct 19, 2026Based on 14 sources, most recently checked Nov 13, 2026

Insperity (PEO)

Not scored in Payroll Services9 of 24 facts verified

Best for: Small and midsize businesses that want a full-service PEO with a dedicated service team

Choose Insperity (PEO) if

You want co-employment, with Insperity as plan sponsor of your employee benefits.
You want a wide benefits menu, from medical and 401(k) to disability and critical illness cover.
You want workers' compensation coverage inside the PEO.
You run Workday or want to: HRScale is Insperity’s PEO on Workday.

Insperity (PEO) plans and prices Insperity alternatives

Gusto

Starting price: $49/mo + $6/employee/mo1
Best for: US small businesses that want payroll tax filing on every plan

Choose Gusto if

You want a published price, from $49 a month plus $6 per person.
You want month-to-month billing with no setup fee.
You connect payroll to other apps: 153 integrations, a REST API and webhooks.
Your employees use Android as well as iOS: Gusto Mobile runs on both.

Gusto pricing Alternatives to Gusto

LeadChange Score: editorial assessment based on public information.

Scorecard

Insperity (PEO) wins 0Gusto wins 32 ties

Insperity (PEO) vs Gusto by dimension
Dimension	Insperity (PEO)	Gusto
PricingGusto lists every plan, from Simple at $49 a month plus $6 per person to Premium at $180 plus $22. Insperity quotes a fixed per-employee HR service charge and bills payroll taxes, workers' comp and benefits as direct cost allocations.	Quote only	Published
CapabilitiesBoth run payroll with tax filings and offer medical, dental, vision, 401(k), HSA and FSA benefits. Insperity adds workers' comp coverage, an online training center with 100+ learning pathways and talent acquisition services; Gusto adds time tracking, hiring and onboarding and contractor payments. Medical, Dental, Vision, Prescription drug, 401(k), Health savings account, Health care flexible spending account, Short-term and long-term disability, Group term life, Accidental death and dismemberment, Critical illness and accident2	4 of 10 core capabilities	9 of 10 core capabilities
IntegrationsGusto lists 153 integrations with a REST API and webhooks. Insperity publishes no integration count on the pages we reviewed. 1543	1 documented	8 documented (vendor says 154)
Fit and supportInsperity serves companies from under 50 to 5,000 employees, with phone, email and web-form support from 7am to 7pm CST on weekdays. Gusto is built for small businesses, with phone, email and chat from 6am to 6pm MST on weekdays. Small businesses, mid-market companies, enterprises4	Small businesses, mid-market companies, enterprises	Small businesses
SecurityGusto states HIPAA compliance and supports single sign-on. Insperity names no security certification on the pages we reviewed. Yes5	None verified	SOC 2 (type not stated)

Key differences

Where Insperity (PEO) and Gusto differ (9)
Attribute	Insperity (PEO)	Gusto
Pricing model	Quote only6	Base fee + per employee1
Price transparency	Quote only6	Published1
Contract term	Custom2	Monthly1
Best for	Small businesses, mid-market companies, enterprises4	Small businesses7
Mobile apps	iOS8	iOS (Gusto Mobile), Android (Gusto Mobile)9
Support channels	Phone, Email, Web form10	Phone, email, chat, online help center, dedicated account partner (Premium)11
Founded	198612	20127
Headquarters	Kingwood, Texas, USA13	San Francisco, California, US14
Ownership	Publicly traded12	Private7

Show 1 attributes where they are the same

Where they are the same (1)
Attribute	Insperity (PEO)	Gusto
Automatic tax filing	2	1

Analysis by dimension

Pricing. Gusto lists every plan, from Simple at $49 a month plus $6 per person to Premium at $180 plus $22. Insperity quotes a fixed per-employee HR service charge and bills payroll taxes, workers' comp and benefits as direct cost allocations.

Capabilities. Both run payroll with tax filings and offer medical, dental, vision, 401(k), HSA and FSA benefits. Insperity adds workers' comp coverage, an online training center with 100+ learning pathways and talent acquisition services; Gusto adds time tracking, hiring and onboarding and contractor payments.

Integrations. Gusto lists 153 integrations with a REST API and webhooks. Insperity publishes no integration count on the pages we reviewed.

Fit and support. Insperity serves companies from under 50 to 5,000 employees, with phone, email and web-form support from 7am to 7pm CST on weekdays. Gusto is built for small businesses, with phone, email and chat from 6am to 6pm MST on weekdays.

Security. Gusto states HIPAA compliance and supports single sign-on. Insperity names no security certification on the pages we reviewed.

More Insperity (PEO) comparisons

More Gusto comparisons

Frequently asked questions

Is Insperity more expensive than Gusto?

Insperity does not publish prices: HR360 is quoted as direct cost allocations plus a fixed per-employee HR service charge. Gusto costs $49 a month plus $6 per person on Simple, $109 a month for 10 employees, before benefit premiums and add-ons such as workers' comp. A fair comparison sets Insperity’s quote against Gusto plus the insurance you would buy separately.

What are the downsides of Gusto payroll next to Insperity?

Gusto is less suited to companies that want an outside employer to carry HR work: it does not include workers' compensation, which it sells from $14 a month, and its HR guidance comes with Premium at $180 a month plus $22 per person. Insperity’s HR360 includes workers' compensation coverage, HR compliance guidance and unemployment claims support.

Is Insperity a certified PEO?

Insperity PEO Services, L.P. appears on the IRS list of certified PEOs, effective January 1, 2017. Under its HR360 plan Insperity co-employs your staff and sponsors their benefit plans.

Can a small business get group health insurance through Insperity or Gusto?

Through Insperity, employees join Insperity-sponsored plans: medical, dental, vision and prescription drug cover, 401(k), HSA and FSA accounts, disability and life insurance. Gusto offers health, dental and vision plans next to 401(k), HSA, FSA and commuter benefits, and can connect an outside broker for $6 a month per eligible employee.

How do Insperity and Gusto support customers?

Insperity answers by phone, email and web form from 7am to 7pm CST, Monday to Friday. Gusto answers by phone, email and chat on weekdays from 6am to 6pm MST, keeps its help center open around the clock and adds a dedicated account partner on Premium.

Which is better for a growing company, Insperity or Gusto?

Insperity serves businesses from under 50 to 5,000 employees and offers HRScale, a full-service PEO on Workday with a dedicated account executive, payroll specialist and HR specialist. Gusto is built for small businesses, and its Premium plan adds HR guidance, compliance tools and project-based costing.

Is Insperity (PEO) or Gusto more secure?

Gusto states HIPAA (unverified for Insperity (PEO)).

Who are Insperity (PEO)’s biggest competitors?

Besides Gusto, the highest-scored are QuickBooks Payroll, OnPay, and Square Payroll. Every alternative, matched to the reason you might switch: Insperity (PEO) alternatives.

How this page was made

What it is built from
33 verified facts, each checked against the vendor's own pages or another primary source, most recently on Nov 13, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Our independent review of Oct 30, 2026 asked for changes. How we review
Hands-on testing
We have not tested either product hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction

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Sources

The 14 pages this page's facts come from. The date beside each is our last check of the facts taken from it (the oldest, when they differ). The numbers beside the figures above link here.

Quotes from the sources

Gusto gusto.com/product/pricing“Simple Run basic payroll in one state. $49/mo + $6/mo per person” “Simple, transparent pricing Payroll, benefits, and HR all in one place. No hidden fees. Cancel any time.”
Insperity Insperity Form 10-K, fiscal 2025“We maintain numerous benefit plans for eligible WSEEs including the following:” “the CSA generally establishes pricing for a period of one year and is subject to termination by Insperity or the client upon 30 days’ written notice”
Gusto gusto.com/product/integrations“Showing 1–20 of 154”
Insperity insperity.com“Whether you’re a startup, a scale-up or a well-established company, Insperity delivers the dynamic HR services and technology you need to support and grow your business.”
Gusto gusto.com/security“We follow HIPAA guidelines to safeguard our customers’ protected health information (PHI). Additionally, we maintain business associate agreements (BAAs) between employers and Gusto, along with any third parties, like insurance companies.”
Insperity insperity.com/our-products/our-pricing“This is a fixed-dollar per-employee charge that covers the full scope of Insperity HR360 services. It’s customized for you based on the size of your business and won’t increase if you pay your employees more.” “The variables within each category are why we need to understand your business before we can give you a quote.”
Gusto gusto.com/about“Our small business platform helps businesses take care of their hardworking teams.” “Launched in 2012 as ZenPayroll, Gusto serves more than 500,000 businesses nationwide.”
Insperity, Inc. (App Store listing) apps.apple.com/us/app/id674606949“Insperity Mobile is now in sync with your active lifestyle. Quick, easy access to your 401k, paycheck information, FSA, UHC benefits card and more.”
Gusto Payroll (Gusto)“Yes, you can run payroll, check payroll status, add and view team members and manage your team all from the Gusto mobile app. Download the iOS app here and the Google Play app here.”
Insperity insperity.com/customer-support“If you’d like to speak with someone, please contact our Customer Service team via phone to connect with a representative 1-866-715-3552.”
Gusto gusto.com/about/contact“Our sales and support teams at Gusto are available to help you via phone, email, and chat Monday through Friday 6am – 6pm MST. For expedited support, sign in to your Gusto account.”
Insperity insperity.com/about-us“The company was founded as Administaff – later to be rebranded as Insperity.” “Administaff joined the New York Stock Exchange under the ticker symbol ASF.”
Insperity insperity.com/about-us/our-locations“Corporate headquarters – Kingwood”
Gusto gusto.com/about/privacy“Gusto, Inc. Attn: Legal Privacy 525 20th Street San Francisco, CA 94107”