Softwr

HR · head to head

Insperity vs Nectar

Insperity logo

Insperity

HR

US professional employer organisation providing co-employed HR, payroll and pooled benefits for small and mid-sized companies

From
On request
Rated
-
Full reviewWebsite
Nectar logo

Nectar

HR

Employee recognition made simple

From
$2.75/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Insperity insperity employs staff only in the United States, so the moment you hire a person abroad you need a separate employer of record and end up running two employment models side by side.; Nectar no price is published for any tier, and no minimum user count or reward point cost is stated on the pricing page
  • They diverge on capability: Insperity covers Co-employment PEO, Nectar covers Peer-to-peer recognition.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Insperity and Nectar actually diverge.

Attributes where Insperity and Nectar differ
AttributeInsperityNectar
Starting priceOn request$2.75/month
Pricing modelquotesubscription
PlatformsWeb, iOS, AndroidWeb, Ios, Android, Api
FoundedUnknown2015

Identical on both: free tier (No), user rating (Not yet rated), category (HR).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Insperity

  • Co-employment PEO
  • Master health plan
  • Assigned HR specialists
  • Payroll processing
  • Workers compensation
  • Insperity Premier portal
  • Retirement plan
  • Recruiting services

Only in Nectar

  • Peer-to-peer recognition
  • Points-based rewards
  • Custom company rewards
  • Amazon reward catalog
  • Wellness challenges
  • Birthday celebrations
  • Anniversary milestones
  • Recognition feed

What people use each for

The jobs each tool is most often brought in to do.

Insperity

  • A 40 person US company that cannot get competitive medical rates on its own and wants pooled large-group covernot Nectar
  • A firm hiring across several states that does not want to open and maintain employment tax registrations in each onenot Nectar
  • A founder-run business with no HR function that needs defensible advice on terminations and classificationnot Nectar
  • A company that wants workers compensation, benefits and payroll under one contract rather than three vendorsnot Nectar

Nectar

  • Peer recognition and rewards programmes for employeesnot Insperity
  • Internal communications and engagement surveys alongside recognitionnot Insperity

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Insperity

  • Insperity employs staff only in the United States, so the moment you hire a person abroad you need a separate employer of record and end up running two employment models side by side.
  • Benefit plan design, carrier and network are set across the whole pool, so a client cannot chase a better local network or a cheaper plan without leaving the PEO entirely.
  • Leaving mid-year restarts state unemployment wage bases in several states, which produces an unbudgeted tax bill in the year you exit and effectively locks clients into January transitions.
  • Pricing is quoted per employee per month or as a percentage of payroll and is repriced annually alongside pooled medical renewals, so a good first-year number tells you very little about year three.
  • The Insperity Premier technology has lagged standalone HRIS products on reporting, workflow and integrations, which is why the company has turned to a joint build with Workday rather than closing the gap alone.

Nectar

  • No price is published for any tier, and no minimum user count or reward point cost is stated on the pricing page
  • The product is split into Recognize, Engage and Comms which are sold in combinations rather than as one platform
  • Every route to a figure goes through a demo or a separate get pricing page

Pricing, plan by plan

Insperity

On request
  • Workforce Optimization$undefined/year
    • Full-service co-employment PEO
    • Master medical, dental and vision plan
    • Payroll and employment tax filing
  • Workforce Synchronization$undefined/year
    • Lighter co-employment for larger organisations
    • Client retains more benefit plan control
    • Payroll and compliance administration

Nectar

$2.75/month
  • Standard$2.75/month
    • Peer-to-peer recognition
    • Points & rewards
    • Custom rewards
  • Plus$4/month
    • Everything in Standard
    • Wellness challenges
    • Anniversary celebrations
  • Enterprise$undefined/month
    • Everything in Plus
    • Advanced analytics
    • API access

Which should you pick?

Choose Insperity if

  • You need co-employment peo.
  • You work on Web, iOS, Android.
  • You also want master health plan.
Insperity review

Choose Nectar if

  • You need peer-to-peer recognition.
  • You work on Web, Ios, Android, Api.
  • You also want points-based rewards.
Nectar review

Questions people ask

Is Insperity or Nectar better?
Neither clearly leads. Insperity starts at On request and Nectar at $2.75/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Insperity or Nectar?
Insperity starts at On request and Nectar at $2.75/month.
Does Insperity or Nectar run on more platforms?
Insperity runs on Web, iOS, Android. Nectar runs on Web, Ios, Android, Api.
What is Insperity best used for?
Insperity is most often used for a 40 person us company that cannot get competitive medical rates on its own and wants pooled large-group cover, a firm hiring across several states that does not want to open and maintain employment tax registrations in each one, a founder-run business with no hr function that needs defensible advice on terminations and classification, a company that wants workers compensation, benefits and payroll under one contract rather than three vendors. Of those, a 40 person us company that cannot get competitive medical rates on its own and wants pooled large-group cover and a firm hiring across several states that does not want to open and maintain employment tax registrations in each one are not what Nectar is typically brought in for.
What can Insperity do that Nectar cannot?
Insperity covers Co-employment PEO, Master health plan, Assigned HR specialists, Payroll processing. Nectar covers Peer-to-peer recognition, Points-based rewards, Custom company rewards, Amazon reward catalog.

Answered from the vendors’ own pages

Insperity: Does Insperity publish its pricing?

No. It quotes per employee per month or as a percentage of payroll after reviewing your headcount, state mix and claims history, and it reprices at each annual renewal.

Nectar: How much does Nectar cost?

Nectar's pricing page exists but does not disclose specific plan prices or costs. The homepage mentions that Nectar is 'priced per employee per month' with optional add-ons for communications, engagement, Flows, and Signals, but exact rates require contacting sales.

Source
Insperity: Am I still the employer?

You direct the work and decide who is hired and fired. Insperity is co-employer for tax, benefits and certain compliance purposes, and it holds the registrations that wages are reported under.

Nectar: What bundled solutions does Nectar offer?

Nectar offers multiple bundled solutions including Nectar Recognize, Nectar Engage + Recognize, Nectar Comms + Recognize, and a combined package marked 'Best Value'. Additionally, eight industry-specific bundles are available (Healthcare, Remote/Hybrid, Enterprise Communications, Retention & Engagement, Frontline, Manufacturing, Multi-Language, and People Ops), but pricing for these bundles is not disclosed on the website.

Source
Insperity: Can Insperity employ people outside the United States?

No. It is a US-only PEO. International hiring needs a separate employer of record such as Deel or Velocity Global.

Insperity: What happens to my benefits if I leave?

You have to source your own carriers and plans from scratch and your employees move to new networks, which is why most exits are timed for 1 January.

Share

Related pages

More on Insperity

More on Nectar

Keep looking

Other head to heads