# Insperity 401k vs Proficient ONE

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.

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.

## The numbers

| Metric | Insperity 401k | Proficient ONE |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.5 (14 ratings)](https://appshunter.io/ios/app/insperity-401k/id1663009238/reviews) | **[4.9 (73 ratings)](https://appshunter.io/ios/app/proficient-one/id6758155005/reviews)** |
| Number of ratings | 14 | **73** |
| Positive reviews | 14.3% of reviews | **75.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 11 months | **Monthly** |
| Monetization | **Free** | Ad-supported |
| Size | 28 MB | 92 MB |
| Requires iOS | 16.6 | **14** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Insperity, Inc.](https://appshunter.io/developer/674606952) | [Elevate CDB Inc](https://appshunter.io/developer/1626068258) |

## What reviewers say

### Insperity 401k

[App page](https://appshunter.io/ios/app/insperity-401k/id1663009238)

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:** macOS Compatibility

**In-app purchases:** none


### Proficient ONE

[App page](https://appshunter.io/ios/app/proficient-one/id6758155005)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*