Next-level employee benefits outsourcing

Insperity’s unique plan design and long-term relationships with national medical insurance
carriers allow us to provide employees with access to cost-effective, comprehensive group
health coverage through our employee benefits outsourcing.

Medical, dental and vision

Several health benefit offerings to satisfy individual needs.

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

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

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

Basic term life and personal accident insurance

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

• Eligible employees are automatically enrolled
• Coverage amounts are equal to an employee’s covered annual earnings
• Employees are covered anywhere

Basic disability insurance

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

• Eligible employees are automatically enrolled
• 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

Employee assistance program

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

• Assistance with emotional wellbeing, 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

Insperity 401(k) Plan*

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

• Various eligibility options, 100% immediate vesting and flexible employer contributions
• Pretax 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.