The short answer
Insperity and Paychex PEO have both been IRS-certified PEOs since 2017 and both quote. Insperity offers HR360, HRScale on Workday and HRCore without co-employment, for small, midsize and enterprise clients.
LeadChange Score: editorial assessment based on public information.
Insperity (PEO) wins 1Paychex PEO wins 12 ties
| Dimension | Insperity (PEO) | Paychex PEO |
|---|---|---|
| PricingBoth quote. Insperity bills direct cost allocations next to its HR fee; Paychex lists fees such as a W-2 fee for clients who leave before December 31 and a per-delivery payroll fee. Quote only | Quote only | Quote only |
| SecurityPaychex states SOC 2 Type II and ISO 27001. Insperity names no certification on the pages we reviewed. Yes | None verified | SOC 2, ISO 27001 |
| Fit and supportInsperity serves small, midsize and enterprise clients; Paychex PEO serves small and midsize businesses, adding a client advocate at 10+ employees and a relationship manager at 200+. Small businesses, mid-market companies, enterprises | Small businesses, mid-market companies, enterprises | Small businesses, mid-market companies |
| CapabilitiesBoth cover payroll and tax filing, benefits, workers' comp and HR compliance. Paychex sells time, hiring and engagement tools as additional solutions; Insperity adds contractor management. HR360 (full-service PEO), HRScale (PEO on Workday), HRCore (HR technology with service), Contractor management, Talent acquisition services, Retirement services, Insurance services | 9 of 10 core capabilities | 10 of 10 core capabilities |
| Attribute | Insperity (PEO) | Paychex PEO |
|---|---|---|
| Best for | Small businesses, mid-market companies, enterprises | Small businesses, mid-market companies |
| Mobile apps | iOS | Paychex Oasis Employee Connect |
| Support channels | Phone, Email, Web form | Client advocate (10+ employees), HR business partner, Safety specialist (master workers' comp policy clients), Payroll specialist, Relationship manager (200+ employees) |
| Founded | 1986 | 1971 |
| Headquarters | Kingwood, Texas, USA | Rochester, NY and Cincinnati, OH (dual headquarters) |
| Attribute | Insperity (PEO) | Paychex PEO |
|---|---|---|
| Pricing model | Quote only | Quote only |
| Price transparency | Quote only | Quote only |
| Automatic tax filing | ||
| Ownership | Publicly traded | Publicly traded |
Pricing. Both quote. Insperity bills direct cost allocations next to its HR fee; Paychex lists fees such as a W-2 fee for clients who leave before December 31 and a per-delivery payroll fee.
Security. Paychex states SOC 2 Type II and ISO 27001. Insperity names no certification on the pages we reviewed.
Fit and support. Insperity serves small, midsize and enterprise clients; Paychex PEO serves small and midsize businesses, adding a client advocate at 10+ employees and a relationship manager at 200+.
Capabilities. Both cover payroll and tax filing, benefits, workers' comp and HR compliance. Paychex sells time, hiring and engagement tools as additional solutions; Insperity adds contractor management.
Justworks has the highest LeadChange Score in PEO Services after excluding these two (6.4/10).
From $79/employee/mo (PEO Basic plan)
Among PEOs, we compare Paychex PEO with ADP TotalSource, Insperity, TriNet, Justworks, BBSI and FrankCrum. Paychex PEO serves small and midsize US businesses.
Insperity has been an IRS-certified PEO since 2017 and reports that 99% of first payrolls run without a defect (its own figure). It is less suited to buyers who want a published price or a stated SOC 2 report: it quotes and names no certification on the pages we reviewed.
Paychex lists a W-2 fee if the client leaves the PEO before December 31, a fee per payroll delivery and postage for mailed checks, and a late fee for injuries reported after 48 hours. Insperity bills taxes, workers' comp and benefits as direct cost allocations.
Yes: HR Partner Plus and HR Pro give HR guidance without the full PEO. Insperity’s equivalent is HRCore, HR technology with service and no co-employment.
Paychex states SOC 2 Type II and ISO 27001 certifications and publishes a security page. Insperity names no such report on the pages we reviewed, so ask for one before signing.
Paychex PEO files payroll taxes under its own EIN. Insperity runs payroll and the related tax filings as part of HR360.
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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What the LeadChange Score means
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.
