Insperity Holdings, Inc. 401(k) Review & Grade
Insperity Corporate 401k Plan
Kingwood, TXProfessional, Scientific & Technical Services4,512 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$3,974Employer $ per active participant
$7,242Employee $ saved per active participant
0.11%Direct admin cost, % of plan assets
$646.7MNet plan assets, end of year
$120,898Average balance per account
Score breakdown
- Employer generosity32.8 / 5066th percentile for employer $ per participant
- Low cost13.3 / 2553th percentile for low admin cost vs. same-size plans
- Employee saving5.9 / 1540th percentile for employee $ per participant
- Plan features3 / 10Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score52 / 100 · Grade C
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 2,500–9,999 active participants (231 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 66th |
| Lower admin cost | 53th |
| Employee saving | 40th |
| Peers that auto-enroll | 47% |
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Red flags from the filing
Corrective distributions: the plan refunded $2,075 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- Insperity Holdings put in about $3,974 per active participant, more than the typical peer ($2,951). Contribute at least enough to collect the full match. Skipping it leaves part of your pay on the table.
- 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 | $17,932,664 |
| Participant (employee) contributions | $32,678,409 |
| Other contributions (incl. rollovers in) | $3,312,891 |
| Administrative expenses paid from the plan | $671,043 |
| Contract administrator fees | $221,879 |
| Investment advisory & management fees | $186,036 |
| Other admin expenses | $78,201 |
| Benefits paid out | $37,001,383 |
| Net assets, start / end of year | $548.9M / $646.7M |
| Active participants, start / end of year | 4,409 / 4,616 |
| Participants with account balances | 5,349 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Crowe LLP |
Largest service providers (Schedule C)
| Insperity Retirement Services | $221,879 reported compensation |
| Goldman Sachs Asset Management, L.P | $120,000 reported compensation |
| The Bank of New York Mellon | $119,008 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251014183854NAL0003583921001, received 2025-10-14, EIN 76-0178498, plan #004, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.