Retirement Services

Insperity NetSaver 401(k) Plan

Insperity NetSaver 401(k) plan options allow you to offer all the essentials and online administration for you and your employees.

Insperity NetSaver Express

Insperity NetSaver Express 401(k) features a simplified design and investment options that are carefully selected and monitored by a third-party investment advisor.

NetSaver Express might be right for you if:

  • You just want to get a plan in place quickly.
  • You don't want to think about it too much.
  • You're not very comfortable selecting your own investments


Insperity NetSaver Select

Insperity NetSaver Select 401(k) has additional design options and gives you greater flexibility with investment line-ups.

NetSaver Select might be right for you if:

  • You want a custom plan design.
  • You're looking to maximize your savings.
  • You want the most flexibility with investment options.
Plan Features Insperity NetSaver Express Insperity NetSaver Select
Eligibility Immediate Various age and service requirement options
Employee contributions Pre-tax
Age 50 catch-up included
Pre-tax and optional Roth (after-tax)
Age 50 catch-up included
Employer contributions Discretionary profit sharing
(pro-rated based on compensation)
Variety of formulas (including New Comparability)
Safe harbor contributions Optional Optional — various matching formulas
Loans Allowed Optional per plan sponser
Withdrawals In-service available In-service optional per plan sponsor
Optional hardship
Vesting 100% upon eligibility Choose schedule up to six years

Insperity Netsaver 401(k) plans deliver what you need without compromising value when it comes to employee benefits. Plans have affordable monthly pricing, and once your plan is set up, maintaining it takes a minimal amount of time.

Regardless of the plan you choose

As plan sponsor, you get:

  • IRS-approved plan document with 401(k) and profit-sharing plan features
  • Password-protected plan sponsor website
  • Required ADP/ACP and compliance testing done for you
  • Daily valuation recordkeeping
  • IRS Forms 1099 and 5500 prepared for you

As plan participants, employees get:

  • Access to online tools and help topics
  • Online enrollment meeting
  • Investment education on the benefits of a 401(k)
  • Password-protected participant website for online access
  • Optional loan provision
  • Ongoing live customer support


With Insperity NetSaver Express 401(k), investment options are selected and monitored by experts at Morningstar Investment Services (MIS), a registered investment advisor.

With Insperity NetSaver Select 401(k), you have a choice among several investment fund line-ups. A self-directed brokerage account is an alternative investment option that can be made available to participants.

401(k) and payroll integration
You save time and ensure accuracy when your Insperity NetSaver plan is integrated with Insperity® Payroll Services, a Web-based software that automates your entire payroll process. The two systems integrate data transfer, so you don't have the hassle of submitting payroll and census data twice.

The Insperity Netsaver 401(k) plans are brought to you by an alliance between Insperity and Ubiquity, a leading 401(k) plan provider dedicated to making retirement solutions easy and affordable for small businesses.

Learn more about the Insperity NetSaver plan