Insperity Holdings, Inc. 401(k) Review & Grade
Insperity 401k Plan
Kingwood, TXProfessional, Scientific & Technical Services177,876 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$2,438Employer $ per active participant
$5,678Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$9.4BNet plan assets, end of year
$57,897Average balance per account
Score breakdown
- Employer generosity19.6 / 5039th percentile for employer $ per participant
- Low cost10.3 / 2541th percentile for low admin cost vs. same-size plans
- Employee saving4.3 / 1529th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score34 / 100 · Grade D
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 10,000+ active participants (70 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 39th |
| Lower admin cost | 41th |
| Employee saving | 29th |
| Peers that auto-enroll | 39% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,311,794 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Insperity Holdings put in about $2,438 per active participant, below the typical peer ($2,932). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $433,724,830 |
| Participant (employee) contributions | $1,009,920,528 |
| Other contributions (incl. rollovers in) | $233,993,618 |
| Administrative expenses paid from the plan | $9,457,455 |
| Contract administrator fees | $7,682,003 |
| Investment advisory & management fees | $649,975 |
| Other admin expenses | $78,250 |
| Benefits paid out | $1,069,059,889 |
| Net assets, start / end of year | $8.1B / $9.4B |
| Active participants, start / end of year | 177,779 / 177,974 |
| Participants with account balances | 162,096 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| Insperity Retirement Services | $7,682,003 reported compensation |
| The Bank of New York Mellon | $981,308 reported compensation |
| Goldman Sachs Asset Management, L.P | $425,000 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014184254NAL0004735088001, received 2025-10-14, EIN 76-0178498, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.