Comparison · checked Oct 27, 2026
ADP TotalSource vs Insperity
ADP TotalSource starts lower: ~$70–$200/employee/mo versus ~$150–$210/employee/mo (estimates labeled). Here's how they differ on certification, minimums and contract terms, and who each one suits.
The short version
Best for scale and payroll infrastructure
Choose ADP TotalSource if…
Companies of 10–200 that want a large, established provider.
Skip it if: High-risk industries that may be declined at underwriting, and buyers who want short contracts.
ADP TotalSource pricingBest for hands-on HR support
Choose Insperity if…
Companies of 20–200 that want an HR team they can call, not just software.
Skip it if: Cost-first buyers: Insperity is priced as a premium service.
Insperity pricingSide by side
| ADP TotalSource | Insperity | |
|---|---|---|
| Price | ~$70–$200/employee/mo Estimate | ~$150–$210/employee/mo Estimate |
| Pricing model | % of payroll or PEPM | % of payroll |
| Certification | CPEOESAC | CPEOESAC |
| Minimum employees | 5 employees | 5 employees |
| Best fit | 10–200 employees | 20–200 employees |
| Contract | Multi-year terms reported | Annual |
| Coverage | National | National, 90+ offices |
| Industries | Professional services, Financial services | Professional services, Healthcare practices, Tech and startups |
| 25 employees, admin fee per year | $21,000–$60,000 | $45,000–$63,000 |
| Strengths | Scale and decades of payroll-tax infrastructure · Annual benefits benchmarking · CPEO and ESAC | Dedicated HR specialists · Deep training content · HRScale (Workday) for the mid-market |
| Watch out for | Payroll-based fees rise with raises · Long contracts reported · Underwriting may turn away high-risk industries | Premium price · Price increase reported in January 2026 |
Questions buyers ask
Is ADP TotalSource cheaper than Insperity?
ADP TotalSource starts lower: ~$70–$200/employee/mo versus ~$150–$210/employee/mo (estimates labeled). Benefits, workers' comp and state taxes are quoted separately for both.
Who should choose ADP TotalSource?
Companies of 10–200 that want a large, established provider.
Who should choose Insperity?
Companies of 20–200 that want an HR team they can call, not just software.