For Insperity clients
Insperity's costs went up 9% last year. Guess whose renewal that lands on.
Make sure you're paying the right price for your PEO and getting the best quality possible. We will do a free audit of your renewal, or a free audit of your invoice, and have 120+ other PEOs fight for your business. You pay nothing.
We track over 260 PEOs and put your renewal in front of a network of 120+.
A 20-minute call with Lucas. Free. No obligation. We only get paid when you save.
All from Insperity's own filings and calls. We do not do rumors on pages like this.
Two ways in
Send one invoice, or call me now.
Email one recent Insperity invoice to reviews@crestoneassociates.com, or use the form. A phone photo is fine. We read it and tell you what the same people would cost elsewhere.
Or call me now
Prefer to talk right now? It's me, not a call center. Call (737) 306-3334
Business hours: a human calls back within the hour. Evenings and weekends: by 8:15am Central the next business day.
Rather text than talk?
Leave a mobile number and Lucas texts you first. No call until you want one.
Concentration math
One carrier means one negotiation decides your pool's fate.
This year that negotiation happened inside a 9 percent cost trend. Insperity is a serious operator with real service depth. It is also a public company covering a loss, and renewal season is where public companies find margin. Your counter is a benchmark: your fee and your health rates against the market band, in hand before your renewal letter.
What we check: your allocation against the pool trend, admin fees against the mid-market band, carrier-fit alternatives given your census, and whether cross-carrier placement beats the parity cap this cycle.
Stay or go
Plenty of Insperity clients should stay.
Its HR depth is real, and for some books the single-carrier pool prices fine. The point is not to leave Insperity. The point is that nobody should absorb a fall increase letter without knowing the market number first. About a third of the audits we run come back at market. Those companies renew in peace, with the audit in the file for next year.
We use their HR services heavily.
The fit test covers service depth, not just price. If nobody matches Insperity's service model for your book, that finding is in the audit and the audit is yours.
The letter already came.
Fall letters mean weeks of leverage left, not zero. Move now and the benchmark still lands before your signature does.
Is this free?
Yes. Paid by the receiving PEO, only if you move. A stay-and-negotiate outcome costs you nothing and pays us nothing.
The letter is being priced now.
Your benchmark should exist before it lands.
A 20-minute call with Lucas. Free. No obligation. We only get paid when you save.
Crestone Associates is an independent PEO brokerage. It is not affiliated with, sponsored by or endorsed by Insperity. Insperity is a trademark of Insperity, Inc. The benefits cost trend, the full-year loss and the share of the health book carried on one national carrier contract on this page are from Insperity's own public filings and earnings calls, including its Q3 2025 earnings call; the figures in your own renewal letter govern. Renewal timing is general to a January 1 plan year: the dates in your own letter and agreement govern, and nothing here is legal advice, because we read what a document says and your attorney decides what it means. Free to you: the PEO you choose pays us, and Insperity does not. Insurance services through Crestone Associates, LLC, Texas General Lines Agency (Life, Accident, Health & HMO), TDI License No. 3561488. This page uses advertising pixels; see our Privacy Policy.
A 20-minute call with Lucas. Free. No obligation. We only get paid when you save.
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