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.
LeadChange Score: editorial assessment based on public information.
Insperity (PEO) wins 0Gusto wins 22 ties
| 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 accident | 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. 153 | 1 documented | 153 native |
| 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, enterprises | Small businesses, mid-market companies, enterprises | Small businesses |
| Attribute | Insperity (PEO) | Gusto |
|---|---|---|
| Pricing model | Quote only | Base fee + per employee |
| Price transparency | Quote only | Published |
| Best for | Small businesses, mid-market companies, enterprises | Small businesses |
| Mobile apps | iOS | iOS (Gusto Mobile), Android (Gusto Mobile) |
| Support channels | Phone, Email, Web form | Phone, email, chat, online help center, dedicated account partner (Premium) |
| Founded | 1986 | 2012 |
| Headquarters | Kingwood, Texas, USA | San Francisco, California, US |
| Ownership | Publicly traded | Private |
| Attribute | Insperity (PEO) | Gusto |
|---|---|---|
| Automatic tax filing |
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.
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.
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.
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.
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.
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.
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.
Only Gusto states HIPAA (BAA).
Besides Gusto, the highest-scored are QuickBooks Payroll, OnPay, and Square Payroll. Every alternative, matched to the reason you might switch: Insperity (PEO) alternatives.
Your team size, what matters most and your role: see which one fits more of your answers, from verified facts and list prices. Then, if you like, ask to hear from both.
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A 0–10 editorial assessment built only from verified facts, across six weighted dimensions: capabilities, pricing, integrations, security, fit and support, and data confidence.
Payments, commissions and lead fees are never inputs.
