Comparison

Insperity 401k vs Proficient ONE

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • View account balances
  • Check current rate of return
  • Monitor contribution rates
  • Review loan balances
  • Access plan news and alerts
  • Secure mobile access
Features
Read full description

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.

About

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.

Highlights
  • Benefit account management
  • Scan-to-enter claims
  • Fast payments
  • Instant notices
  • Account balance viewing
Features
Read full description

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

Insperity 401k3 screens
Proficient ONE4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard6 real differences · 4 level
Insperity 401k versus Proficient ONE: the parameters behind the verdict, then further details
ParameterInsperity 401kProficient ONE
PriceFreeFree
Rating1.5 (14 ratings)4.9 (73 ratings) — better
Positive reviews14.3% of reviews75.0% of reviews — better
Number of ratings1473 — better
Update frequencyEvery 11 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.614 — better
Further details — not scored
Size28 MB92 MB
Age rating17+4+
DeveloperInsperity, Inc.Elevate CDB Inc

Customer experience

Insperity 401k

All ratings13 ratings
Positive15.4%
Neutral0.0%
Negative84.6%
Written reviews7 reviews
Positive14.3%
Neutral0.0%
Negative85.7%

Proficient ONE

All ratings51 ratings
Positive96.1%
Neutral2.0%
Negative2.0%
Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

In-app purchases

None

Insperity 401k

No in-app purchases

None

Proficient ONE

No in-app purchases

Questions

Is Insperity 401k free?
Insperity 401k is free to download, with no in-app purchases.
Is Proficient ONE free?
Proficient ONE is free to download, with no in-app purchases.
Which has better reviews, Insperity 401k or Proficient ONE?
Proficient ONE is rated higher. Insperity 401k averages 1.5 out of 5 from 14 ratings, while Proficient ONE averages 4.9 from 73 ratings.
Do Insperity 401k or Proficient ONE have ads?
Neither Insperity 401k nor Proficient ONE shows ads.
Which is updated more often, Insperity 401k or Proficient ONE?
Insperity 401k ships an update every 11 months, and Proficient ONE monthly. Most recently, Insperity 401k was updated on September 13, 2026 and Proficient ONE on September 24, 2026.

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