Insperity 401k vs Proficient ONE
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Insperity 401k
Access your 401(k) account details and plan information on the go. View balances, contributions, rates of return, and loan information. Stay informed about plan news and alerts with secure access.
- View account balances
- Check current rate of return
- Monitor contribution rates
- Review loan balances
- Access plan news and alerts
- Secure mobile access
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The Insperity Retirement App is a read-only app that lets you view your 401(k) account and current plan information any time from your iPhone®, iPad® or iPod touch®. For online transactions, visit the Retirement Service Center. VIEW YOUR 401(k) ACCOUNT •Account balances and recent contributions •Current rate of return •Contribution rates •Loan balances STAY UP-TO-DATE ON CHANGES •Check plan news and alerts GET SECURE ACCESS Your account’s security is important to us. That’s why we ask that you do two things before using the Insperity Retirement App: 1.Make sure that you have created a unique user ID and password for the Insperity Retirement Service CenterSM before you log in using your mobile device. You can do this by logging in to the Retirement Service Center and changing your user ID and password under the Security tab of the My Information page. 2.The first time you log in using your mobile device, you will be asked to register your device through the Retirement Service Center. Once you have registered your device, you can begin using the app to check your 401(k) account at any time. If you have trouble logging in, contact the Insperity 401(k) Contact Center at 888-401-5273 or click Insperity Retirement Support (link provided) to access the mobile app user`s guide. There is no charge from Insperity Retirement Services to download the Insperity Retirement App. However, rates from your wireless carrier may apply.
Proficient ONE
Manage your benefit accounts like HSAs, FSAs, and HRAs with ease. View balances, submit claims by scanning, make quick payments, and receive instant notifications.
- Benefit account management
- Scan-to-enter claims
- Fast payments
- Instant notices
- Account balance viewing
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Your money, faster. It’s never been easier to use your benefit accounts – HSAs FSAs HRAs, and more. Everything you need, all right here: account balances, scan-to-enter claims (no typing!), fast payments, and instant notices.
Screenshots
Verdict
The clearest difference is review sentiment: Proficient ONE at 75% against Insperity 401k's 14%. Proficient ONE also leads on rating (4.9 vs 1.5) and update cadence (monthly vs every 11 months). Insperity 401k's advantage is monetization model (free vs ad-supported). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Proficient ONE holds the better App Store score, 4.9 against 1.5. That said, the two scores are not equally well evidenced: Proficient ONE has 73 ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 14% of Insperity 401k's written reviews are positive against 75% of Proficient ONE's.
Insperity 401k ships an update every 11 months, Proficient ONE monthly. The most recent releases landed on September 13, 2026 and September 24, 2026 respectively.
| Parameter | Insperity 401k | Proficient ONE |
|---|---|---|
| Price | Free | Free |
| Rating | 1.5 (14 ratings) | 4.9 (73 ratings) — better |
| Positive reviews | 14.3% of reviews | 75.0% of reviews — better |
| Number of ratings | 14 | 73 — better |
| Update frequency | Every 11 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.6 | 14 — better |
| Further details — not scored | ||
| Size | 28 MB | 92 MB |
| Age rating | 17+ | 4+ |
| Developer | Insperity, Inc. | Elevate CDB Inc |
Customer experience
Insperity 401k
Proficient ONE
In-app purchases
Insperity 401k
No in-app purchases
Proficient ONE
No in-app purchases





