No. Insperity is a US PEO (co-employment model), not a global EOR. A PEO shares employer status with your business for US payroll and tax. Insperity operates in the US only and has no international employment product.

What happens if I use Insperity and then hire someone outside the US?

Insperity cannot employ someone outside the US. It is a US-only PEO. You would need a separate global EOR. Many companies run Insperity for US domestic staff and Teamed for every international hire; the models work side by side.

Can Teamed replace Insperity for my US employees?

Teamed can employ US staff via EOR, but it is not a US PEO and does not replicate Insperity's pooled Fortune-500 benefits. If US benefits depth is the priority, keep Insperity for the US and use Teamed for international hires.

Does Teamed offer a path to setting up my own entity abroad?

Yes. Global Entity and Employment Operations (GEMO) sets up and manages your own entity in 90+ countries. Teamed models the crossover per country and can keep managing the entity after setup, on the same system, no re-onboarding. Insperity has no equivalent.

Which G2 rating is higher, Teamed or Insperity?

Teamed is rated 4.8 on G2. Insperity is approximately 3.8 (medium confidence; the G2 page returned 403 to direct verification). Different categories: Teamed is reviewed as a global EOR; Insperity as a US PEO.

Teamed vs Insperity

Teamed vs Insperity, EOR or PEO for a growing company

Q: How much does Insperity cost?

Insperity does not publish pricing; every quote is custom. Third-party reviews estimate $150 to $210 per employee per month for US co-employment (wider range: $125 to $300). Teamed publishes its fee: $599 USD or £479 GBP flat, at teamed.global/pricing.

Insperity is the largest dedicated US PEO. It co-employs your US team and pools Fortune-500-level benefits. Teamed is a global EOR at $599 flat, FX absorbed at zero markup, in 180+ countries. The moment you hire outside the US, Insperity stops.

Talk to an expert Get the numbers

1,000+ growing teams trust Teamed

$599
Teamed flat fee, FX absorbed at zero markup on every invoice. Insperity publishes no pricing.: 4.8
Rated 4.8 on G2 for service. Real HR and legal experts on every plan, no AI bot wall.: 180+
Countries covered. Insperity is US-only. The moment you hire abroad, you need a global EOR.

Last reviewed 18 June 2026By Tom Price-Daniel, Co-founder, Teamed

Teamed vs Insperity: EOR or PEO for a rapidly growing company?

At a glance

Teamed

Rated 4.8 on G2

Best for: rapidly growing companies with an international footprint that want published pricing, FX absorbed at zero markup, real HR and legal experts on every plan, and a path to their own managed entity.

Insperity

Approx. 3.8 on G2

Best for: US businesses that want to fully outsource domestic HR, payroll and compliance under one roof and access Fortune-500-level pooled benefits they could not negotiate alone.

Shared by both: dedicated human HR service teams · US payroll and employment compliance · employer of record status for US staff

Where it matters	Who leads	Why
International employment coverage	Teamed	Teamed covers 180+ countries through owned entities and vetted partners. Insperity operates in the US only and has no EOR or international employment product.
US domestic HR and compliance depth	Insperity	Insperity is purpose-built for US co-employment. IRS CPEO and ESAC accreditation. A dedicated account executive, payroll specialist and HR specialist per client.
Pricing transparency	Teamed	Teamed publishes a flat $599 fee with FX absorbed at zero markup. Insperity does not publish pricing; every quote is custom-built on headcount, benefits and payroll volume.
US employee benefits	Insperity	Insperity pools thousands of clients into Fortune-500-level medical, dental, vision and disability benefits a small employer could not negotiate alone.
Human support model	Draw	Both provide dedicated human service teams. Insperity's scope is US employment law and payroll; Teamed's real HR and legal experts cover global jurisdictions and international employment law.
Path to growth beyond the model	Teamed	Teamed models when your own entity becomes the better structure and sets it up via Global Entity and Employment Operations (GEMO) in 90+ countries. Insperity has no equivalent entity-transition path.

Teamed on G2

Who Teamed is for

Teamed is built for rapidly growing companies with an international footprint that need to hire compliantly across borders, want to see every FX cost on every invoice, and want a real HR and legal expert on every plan. If any of your hires sit outside the US now or within 18 months, Teamed is the comparison to make.

Not the right fit if

Entirely US-based workforce with no plans to hire internationally. Insperity is purpose-built for this. Its co-employment model, pooled Fortune-500 benefits and IRS CPEO accreditation are a stronger fit for a US-only team than a global EOR.

Find your pick in 20 seconds

If you are…	Start with	Why
US business, all employees will stay in the US	Insperity	Purpose-built US PEO. Fortune-500 pooled benefits, IRS CPEO, dedicated service team. Teamed is not designed to replace a US PEO for a US-only employer.
Growing company hiring or planning to hire outside the US	Teamed	$599 flat, FX absorbed at zero markup, real HR and legal experts in 180+ countries. Insperity stops at the US border.
Company with US employees today and international expansion planned	Both, for different populations	Keep Insperity for US domestic HR and benefits. Add Teamed for every hire outside the US. They serve different models and can operate in parallel.
Want published pricing with no FX surprise on international payroll	Teamed	The $599 flat fee is on the pricing page. FX is absorbed at zero markup on every salary conversion. Insperity does not publish pricing and has no international payroll.

What is the Teamed vs Insperity comparison?

A Professional Employer Organization (PEO) like Insperity enters a co-employment arrangement with your US business. You remain the worksite employer and direct the work; Insperity becomes the employer of record for payroll and tax purposes. The PEO runs payroll, remits taxes, and pools your workforce into a larger benefits programme, giving a small business access to rates it could not negotiate alone. Coverage is US only.

An Employer of Record (EOR) like Teamed is the legal employer in another country on your behalf. You hire someone in Germany, Singapore or Brazil before you have a legal entity there; the EOR issues the compliant contract, runs payroll, remits local tax and statutory contributions, and carries the local employer obligations while you direct the work. The two models can run side by side: a PEO for your US team and a global EOR for every hire outside the US.

PEO vs EOR, what the model means for you

These are two structurally different products. A PEO co-employs your US workforce. You and the PEO share employer responsibilities: the PEO runs payroll and benefits; you direct the work and remain the worksite employer. An EOR is the sole legal employer in-country and takes on the full employer obligations wherever you hire. The distinction matters at the border. When you hire your first person in Germany or Singapore, Insperity cannot be the legal employer there. Teamed can.

Detail	Teamed	Insperity
Product model	Global EOR: Teamed is the legal employer in-country in 180+ countries. You direct the work.	US PEO: co-employment with your US business. You remain the worksite employer; Insperity handles payroll and benefits for US staff.
Employer of record status	Teamed is the legal employer of record in each country where it employs on your behalf.	Insperity is the co-employer of record for US payroll and tax purposes. The client is also an employer.
Contract issued to employee	A locally compliant, jurisdiction-specific employment contract for each country.	A US co-employment contract. No international employment contracts.

The question that settles it

Ask yourself: will all your people always be in the US? If yes, Insperity is purpose-built. If any hire sits outside the US now or in the next 18 months, you need a global EOR. Insperity and Teamed can operate side by side: Insperity for US domestic, Teamed for every hire outside the US.

Geographic coverage, where each provider can actually help

Insperity operates in the US only. It maintains roughly 70 to 90 offices across approximately 44 US markets and has no EOR, contractor management or payroll product outside the US. Teamed covers 180+ countries through a mix of its own legal entities (57 owned, including Germany, France, Spain, the UK and the US) and vetted in-country partners. Coverage is not a differentiator between global EORs. It is the hard wall between Insperity and any international provider.

Detail	Teamed	Insperity
Countries covered	180+ countries via owned entities and vetted in-country partners. Owned entities in 57 countries including Germany, France, Spain, the UK and the US.	United States only. No EOR coverage in any country outside the US.
First international hire	Teamed can employ your first person in any of the 180+ countries from day one.	Not possible via Insperity. You would need a separate provider or set up your own entity abroad.
Multi-country payroll	One system runs payroll across multiple countries. FX absorbed at zero markup on every salary conversion.	US payroll only, run in USD. No multi-currency capability.

The coverage wall

Insperity's 70 to 90 US offices are a real strength for domestic clients. They become irrelevant the moment a hire happens outside the US. Teamed's 57 owned entities include the markets most growing companies hit first: Germany, France, Spain, the UK, the US, Australia, Canada and Singapore.

Pricing and cost visibility

Teamed publishes its fee: $599 USD or £479 GBP per employee per month, flat. FX is absorbed at zero markup, and the applied conversion rate sits next to the mid-market reference on every invoice. Insperity does not publish pricing. Every quote is custom-built on headcount, industry risk, benefits and payroll volume. Third-party review sites estimate the range at roughly $150 to $210 per employee per month for US co-employment, though the wider reported band runs from $125 to $300 or 2 to 6 percent of payroll. These are third-party estimates, not Insperity rates.

Detail	Teamed	Insperity
Published pricing	$599 USD or £479 GBP per employee per month, published on teamed.global/pricing.	No published pricing. Custom quote only, based on headcount, industry, benefits and payroll volume.
FX on salary conversions	Zero markup. Applied rate shown against the mid-market reference on every invoice.	Not applicable. Insperity operates in USD for US employees only; no cross-currency conversion.
Fee structure	Flat per-employee monthly fee. No FX surcharge.	Custom per-employee monthly fee or as a percentage of payroll. Varies by industry, headcount and benefits tier.

On cost forecasting

Teamed's $599 flat rate means you can model your international people costs before you hire. Insperity's custom pricing reflects the actual benefits, risk profile and payroll volume you bring. Neither approach is wrong; they are different tools. Ask both providers for a like-for-like cost model before you decide.

US employee benefits and HR depth

This is where Insperity wins clearly. As a PEO with 300,000+ worksite employees across 100,000+ client businesses, Insperity pools workers into a large risk pool and negotiates Fortune-500-level medical, dental, vision, disability and life insurance at rates a small employer could not match alone. That benefit is not available on a global EOR model; EOR providers arrange local statutory and supplementary benefits per country, but they cannot replicate a US pooled-benefits programme at scale.

Detail	Teamed	Insperity
US employee benefits	Competitive local benefits arranged per country, including the US. Does not match a large pooled PEO risk pool for US-specific medical and benefits pricing.	Fortune-500-level pooled medical, dental, vision, disability and life insurance. One of the primary advantages of the PEO model for small US businesses.
Benefits negotiating power	Local statutory plus supplementary benefits, arranged via EOR structure per country.	Pools 300,000+ worksite employees for group-rate buying power. A real differentiator for small and mid-sized US businesses.
US HR compliance depth	Teamed owns a US entity and employs US staff directly via EOR. US employment-law compliance handled by real HR and legal experts.	Purpose-built for US federal, state and local employment law, payroll tax, workers comp and employment practices liability. IRS CPEO and ESAC accredited.

When benefits tip the decision

If you run a US workforce of 10 to 500 employees and your HR priority is benefits cost and quality, Insperity's PEO pooling is a genuine competitive advantage. Teamed does not try to replicate that for a US-only workforce. Choose Insperity for domestic benefits depth; choose Teamed for international employment.

Human support and HR expertise

Both providers lead with a dedicated human service model rather than a self-serve-first platform. Insperity assigns each client a dedicated team, typically an account executive, a payroll specialist and an HR specialist, available Monday to Friday during US business hours. Teamed provides real HR and legal experts on every plan, covering international employment law, cross-jurisdiction compliance and proactive regulatory monitoring. No AI bot wall on either side; the difference is the scope of expertise.

Detail	Teamed	Insperity
Service model	Real HR and legal experts on every plan. No AI bot wall. Direct escalation access included.	Dedicated account executive, payroll specialist and HR specialist per client. Relationship-based, US-scoped.
Expertise scope	International employment law, cross-jurisdiction compliance, FX transparency, EOR-to-entity crossover modelling.	US federal and state employment law, payroll tax, workers compensation, employment practices liability. US-only scope.
G2 rating	Rated 4.8 on G2 for service.	Approximately 3.8 on G2 (medium confidence; G2 page returned 403 to direct verification).

The support question

Insperity's dedicated team model is one of its most consistently praised features. The honest limit: when a question crosses a border, they cannot answer it. A contested termination in Spain, a Betriebsrat consultation in Germany, a shadow-payroll question in Japan, those go to a global employment-law specialist, not a US HR consultant.

Path to your own managed entity

As your headcount in a country grows, the per-seat EOR fee can approach the fixed cost of running your own entity there. That is the crossover point. Teamed models it per country, helps you set up your own entity via Global Entity and Employment Operations (GEMO) in 90+ countries, and can keep managing the entity for you afterwards on the same system with no re-onboarding. Insperity has no equivalent concept; it operates US-only with no global entity service.

Detail	Teamed	Insperity
Crossover modelling	Teamed flags per country when your own entity becomes the better structure, proactively.	Not applicable. No global entity-transition concept; US-only PEO product.
Your own entity	GEMO sets up your owned entity in 90+ countries and can keep managing it on the same system, no re-onboarding.	No global entity service.
Contractor to EOR path	One system from contractor (Guard or Protect misclassification cover) to EOR to your own managed entity.	No contractor management product identified. US PEO only.

The honest long game

An EOR is typically a stage rather than a destination. The crossover to your own entity in a country is country-specific, not a single headline threshold. Teamed models it per country because the employer-cost calculus differs between Germany and Singapore. When the numbers shift, Teamed helps you make the move rather than keeping you on EOR for the fee.

Why the comparison matters

Behind every line item is a real person, in a real place.

The fee, the FX and the support model are not abstractions. They decide whether the person you hired in Barcelona or Rome is paid right, on time, by someone who knows their employment law. That is the comparison worth running.

What each stakeholder evaluates

Criterion	Legal	Finance	People Ops	Security
International expansion	Insperity cannot issue employment contracts outside the US. For any hire in a non-US jurisdiction, you need a global EOR. Ask Teamed for the compliant structure in the specific country before you hire.	Teamed publishes its $599 flat fee and absorbs FX at zero markup. Insperity's US PEO pricing is custom; no sticker price to forecast against for international headcount. Only Teamed gives you a number to model before you sign.	When a hire happens outside the US, your people operations need a provider that covers that country. Insperity cannot onboard an employee in Germany, Singapore or Brazil. Teamed handles those on a single system.	Teamed operates under jurisdiction-specific data residency and employment-law requirements per country. Insperity is a US data and compliance environment; no international data architecture applies.
US benefits cost and quality	Insperity's IRS CPEO and ESAC accreditation provide meaningful tax-liability and financial-assurance protections for US payroll. These are US-specific certifications and do not apply to any international structure.	Insperity's pooled Fortune-500 benefits can meaningfully reduce per-employee benefits cost for a small US employer. The PEO model passes those group rates through to your workforce. Teamed arranges local statutory and supplementary benefits but cannot replicate the US pooled pricing.	A smaller US employer accessing Fortune-500 medical rates is a genuine retention advantage. If that is the primary criterion for your US team, Insperity's PEO model is the better fit.	Insperity holds IRS CPEO and ESAC accreditation, both meaningful financial-assurance protections for US employers. These certifications are specific to US co-employment and have no equivalent in a global EOR context.
Path beyond the current model	Teamed's GEMO service sets up and manages your own entity in 90+ countries, giving you full control over employment contracts and data residency in that country. Insperity has no global entity service.	As your international headcount in a country grows, the per-seat EOR fee can approach the fixed cost of a registered entity. Teamed models the crossover and can manage the entity for you afterwards, reducing the per-seat cost at scale.	A managed entity transition via GEMO means your employees keep their contracts and their history. No re-onboarding, no gap in coverage, and no disruption to the people-operations workflow you have built.	Your own entity gives you full control over employment contracts and data residency in that country. Teamed sets it up via GEMO and runs it on the same system you already use for EOR.

How Teamed handles your first hire outside the US

The most common entry point is a company that has its US workforce covered and now needs to hire in one or two new markets. Teamed runs the employment side from day one, no entity setup required.

Step 1
Map the hire
You tell Teamed the country, the role and the proposed compensation. Teamed maps the local employment-law requirements, the statutory benefits, the payroll calendar and any jurisdiction-specific obligations before anything moves.
Step 2
Issue a compliant contract
Teamed issues a locally compliant employment contract in the name of the Teamed entity for that country. The employee is employed by Teamed in-country; you direct their work.
Step 3
Run payroll and stay compliant
Teamed runs monthly payroll, remits local income tax and statutory contributions, and monitors regulatory changes in your hire countries. Real HR and legal experts handle any edge case.
Step 4
Model the crossover when you are ready
When your headcount in a country approaches the point where your own entity makes sense, Teamed flags it. Global Entity and Employment Operations (GEMO) sets up and manages your own entity in 90+ countries, on the same system with no re-onboarding.

Dyke Yaxley · UK chartered accountancy

100% audit capacity added. Zero entity setup.

Audit capacity in 2024: +100%
Compliance issues across the engagement: 0
South Africa hires, both retained: 2
Entity setup required: None

Challenge

Dyke Yaxley, a UK chartered accountancy with over a century of history, was turning down audit work in 2024. Local UK talent supply for qualified auditors had not kept pace with client demand. Cross-border hiring felt too legally complex for a firm whose brand sits on compliance discipline.

Approach

Dyke Yaxley partnered with Teamed to hire two qualified audit professionals in South Africa via EOR. Teamed handled the South African employment-law side end-to-end: compliant contract, local payroll, statutory tax obligations, and onboarding logistics. No entity setup, no South African legal counsel on retainer, no permanent-establishment exposure.

Result

Both hires exceeded expectations on technical work, client satisfaction, and cultural fit. Audit capacity doubled in 2024. Zero compliance issues across the engagement. The firm went from declining new audit work to confidently taking on additional clients.

Read the full case study →

Interactive tool

Model the cost of your first international hire

Enter the country, role and salary. The employer-cost calculator shows the full cost of employment including statutory contributions, the Teamed fee and any relevant local obligations.

Open the employer-cost calculator

Decision checklist

Choose Teamed if any of your current or planned employees are outside the US. Insperity operates in the US only; it has no EOR or international employment product.
Choose Teamed if you want to see your pricing before you sign. The $599 flat fee is on the pricing page; FX is absorbed at zero markup on every invoice.
Choose Teamed if you want real HR and legal experts on every plan, covering international employment law, without paying for a premium tier.
Choose Teamed if you want a path to your own managed entity. GEMO models the crossover and sets up and runs your entity in 90+ countries on the same system.
Choose Insperity if your workforce is entirely US-based and will stay that way, and Fortune-500-level pooled benefits are a priority. It is purpose-built for that job.
Keep Insperity for your US domestic team and add Teamed for every hire outside the US. They serve different models and operate well in parallel.

Email this to legal

Honest take

When Insperity is the better choice

Choose Insperity if your workforce is entirely US-based now and for the foreseeable future. It is the largest dedicated US PEO and purpose-built for that job. Teamed is not designed to replace a US PEO for a US-only employer.
Choose Insperity if Fortune-500-level pooled benefits for your US team are the priority. Insperity's risk pool of 300,000+ worksite employees gives a small business access to medical, dental and vision rates it could not negotiate alone. That advantage is specific to the PEO co-employment model.
Choose Insperity if IRS CPEO and ESAC accreditation matter for your US payroll-tax and financial-assurance requirements. These are meaningful protections for a US employer and specific to the CPEO co-employment structure.

Teamed leads international coverage, pricing transparency, FX honesty and the lifecycle path. It is not a PEO and does not try to compete for the US domestic HR job. If your need is fully domestic, Insperity is the stronger fit and we would rather route you there honestly than win a deal that is wrong for both sides.

Questions to ask any EOR before you sign

1What deposit or pre-funding do you require, and which setup, offboarding, minimum-term, termination or admin fees are in the contract? Read it line by line before you sign.
2Will all your employees be in the US, or do you plan to hire outside the US in the next 12 to 24 months?
3Do you need a provider that publishes its pricing, or are you comfortable with a custom quote?
4Is access to Fortune-500-level pooled benefits a priority for your US workforce?
5What happens when you hire your first employee in Germany, Spain or Singapore? Which provider covers that?
6When your headcount in a country reaches the crossover point, does your provider model the move to your own entity and manage it for you?
7Will you be able to see the FX rate on every salary conversion, in writing, against a mid-market reference?
8What is the notice period and exit process if you change providers?
9Who handles a contested termination in a non-US jurisdiction, and how do you reach them?

Frequently asked questions

Is Insperity an EOR?
No. Insperity is a Professional Employer Organization (PEO), not a global Employer of Record. A PEO enters a co-employment arrangement with your US business: both companies share employer status for US payroll and tax purposes. An EOR is the sole legal employer in a country on your behalf, with no limitation to the US. Insperity operates in the US only and has no EOR or international employment product.
What happens if I use Insperity and then hire someone outside the US?
Insperity cannot help with a hire outside the US. Its products are US co-employment services only; it has no entity, partner or legal product in any other country. You would need a separate global EOR for that hire. Many companies run Insperity for their US domestic workforce and Teamed for every hire outside the US; the two models are designed to sit alongside each other.
Can Teamed replace Insperity for my US employees?
Teamed can employ people in the US via EOR (Teamed owns a US legal entity). However, Teamed is not a US PEO and does not offer the Fortune-500-level pooled benefits that are a core feature of Insperity's model. If US benefits cost and co-employment are your priority for a US-only team, Insperity is the stronger fit for that specific job. If you are also hiring or planning to hire outside the US, Teamed covers that on the same system.
How much does Insperity cost?
Insperity does not publish its pricing. Every quote is custom-built based on headcount, industry risk profile, benefits selection and payroll volume. Third-party review sites estimate the typical range at roughly $150 to $210 per employee per month for US co-employment, with a wider reported band of $125 to $300 or approximately 2 to 6 percent of payroll. These are third-party estimates, not Insperity's published rates. Teamed, by contrast, publishes its fee on teamed.global/pricing: $599 USD or £479 GBP per employee per month, flat.
Does Teamed offer a path to setting up my own entity abroad?
Yes. Global Entity and Employment Operations (GEMO) sets up and manages your own legal entity in 90+ countries. Teamed models the crossover point per country, helps you set it up, and can keep managing the entity for you on the same system your EOR employees are already on, with no re-onboarding. Because Teamed earns whether you are on EOR or running your own entity, its advice is not tied to keeping you on EOR. Insperity has no equivalent global entity service.
Which G2 rating is higher, Teamed or Insperity?
Teamed is rated 4.8 on G2 for service. Insperity is approximately 3.8 on G2 based on roughly 60 to 67 reviews (medium confidence; G2 returned a 403 error to direct verification, and this figure comes from secondary aggregator summaries). The comparison spans different categories: Teamed reviews reflect global EOR service; Insperity reviews reflect US PEO experience, where commentary tends to focus on benefits cost and platform usability.

Common questions

What is the difference between Insperity and Teamed?
Insperity is a US Professional Employer Organization (PEO). It co-employs your US workforce: the PEO runs payroll, remits taxes and pools your employees into a group benefits programme. It operates in the US only. Teamed is a global Employer of Record (EOR). It is the sole legal employer in each country where you hire, covering 180+ countries through owned entities and vetted partners. Insperity's main strengths are Fortune-500-level pooled US benefits and dedicated US HR support. Teamed's main strengths are international coverage, published $599 pricing, FX absorbed at zero markup, and a path to your own managed entity via GEMO. The two products serve different needs and often operate side by side.
Should I use a PEO or an EOR for my growing company?
It depends where your employees are, and will be. A US PEO like Insperity is the better fit if your workforce is entirely US-based and you want to outsource domestic payroll, compliance and benefits under one co-employment umbrella. A global EOR like Teamed is the better fit if you are hiring or planning to hire outside the US, want published pricing with FX transparency, and want real HR and legal experts covering international jurisdictions. The two models are not mutually exclusive: many growing companies run a US PEO for domestic staff and a global EOR for every international hire simultaneously.

For the buying committee

Share with your team

Send this page to legal, finance, or HR for review. They will see the same statutory data and source citations you did.

Expanding outside the US?

Tell us the country and the role. A real HR or legal expert comes back with the compliant structure, the all-in cost and whether EOR or your own entity is the better fit. No demo, no commitment.

The honest path

Want the Insperity comparison run on your numbers?

Tell us your headcount and where you're hiring. A real HR or legal expert sends back a like-for-like breakdown with the FX shown against mid-market. No demo, no deck.

Talk to an expert