CoAd is built to give small and medium-sized businesses the flexibility, support, and value they need as they grow. Choose the benefits approach that works for your business, get dedicated support for both employers and employees, and count on transparent pricing without hidden fees. With flexible solutions and a team that stays with you every step of the way, CoAd meets you where you are today, and adapts as your business evolves.
4.5/5
on G2
17,000+
Small Businesses Trust CoAd
$15B+
in Payroll Processed Annually
Value Pillars
What Sets CoAd Apart?
Flexibility (Medical Carve-Out + Service Tiers)
Your Benefits, Your Choice.
Your benefits strategy shouldn’t dictate the rest of your HR solution. CoAd gives you the flexibility to choose our medical plan or keep the coverage and broker relationship that already work for your business, while still getting the payroll, HR, and compliance support you need.
Choose CoAd’s medical plan or keep your existing plan and broker relationship.
Maintain the coverage that works for your business without unnecessary disruption.
Get payroll, HR, and compliance support regardless of which benefits path you choose.
Real Human Support
Support That Reaches Your Whole Team.
Great support shouldn’t stop with the admin. CoAd gives employers and employees direct access to dedicated support across payroll, HR, benefits, compliance, and more, giving every employee direct access to dedicated support when they need it.
Give employees direct access to support across payroll, HR, benefits, compliance and more, not just the admin or owner.
Help employees resolve questions faster by connecting them directly with the right support resources.
Free up your admin's time by removing them as the sole point of contact for HR questions.
Transparent Pricing
Know Your Cost Upfront. No Surprises.
CoAd keeps payroll pricing simple and predictable. The payroll processing your business relies on, including garnishments, additional payroll runs, and off-cycle runs, is included in your admin fee, so you can manage payroll as needed without worrying about incremental charges adding up.
Costs associated with payroll processing are included in your admin fee.
Process payroll when your business needs to without separate per-run processing charges.
Get a more predictable cost structure without individual payroll processing fees added on top of your admin fee.
Comparison Table
Head-to-Head: CoAd vs. ADP TotalSource
CoAd advantage
ADP limitation
—
Comparable / tied
CoAd
ADP TotalSource
Features
Unlimited Payroll Runs
Yes
—
Extra Fees
Wage Garnishments
Yes
—
Extra Fees
Earned Wage Access
Yes
Max 2 days before payday
Learning Management System (LMS)
Yes
—
Additional fees may apply
HR Analytics & Reporting
Yes
Yes
Dedicated Account Manager
Yes
Yes (employer access only)
Direct Employee Support
Yes
Admin/owner only
Response Model
Named Contact
Queue-based
Medical Carve-Out Option
Available
Not available
Workers' Comp Carve-Out Option
Available
Not available
Data Export / Portability
Self-service, anytime
Support-ticket dependent
FAQ
Got questions? We have answers.
Everything you need to know before you get started.
What makes CoAd different from ADP?
CoAd combines the capabilities businesses expect from a large provider with a more flexible, personalized service model. You get dedicated support, flexible benefits options, transparent pricing, and solutions built around how your business actually operates — so you don’t have to fit your business into a one-size-fits-all model.
Will I get dedicated support with CoAd?
Yes. CoAd is built around direct access to real people who know your business. Employers have a dedicated point of contact for ongoing support, while employees can get help directly with payroll, benefits, HR, and other questions. That means your internal admin doesn’t have to serve as the middleman every time an employee needs help.
Can I keep my current medical plan and broker if I switch to CoAd?
Yes. CoAd gives you flexibility in how you approach medical benefits. You can take advantage of CoAd’s medical plan or carve out medical coverage and keep your existing plan and broker relationship. Either way, you can still get the payroll, HR, compliance, and PEO support you need from CoAd.
How is CoAd’s pricing different from ADP?
CoAd is designed to make your costs more predictable. Payroll processing needs such as additional payroll runs, off-cycle runs, and garnishment processing are included in your admin fee rather than treated as separate add-on charges. You know what you’re paying upfront, making it easier to budget as your business grows.
Is CoAd only a good fit for smaller businesses?
CoAd is built for small and medium-sized businesses that want robust capabilities without sacrificing flexibility or personal service. Whether you’re managing a growing workforce, operating across multiple states, or dealing with increasingly complex HR and compliance needs, CoAd can scale with your business while maintaining a high-touch approach.
Do I have to give up capabilities to get more personalized service?
No. CoAd brings payroll, HR, benefits, compliance, workers’ compensation, risk management, and workforce tools together with hands-on expertise and support. The difference isn’t simply what you can do — it’s having the technology and people to help you get more out of it.
Why do businesses switch from a larger provider like ADP to CoAd?
Businesses don’t always need a bigger provider — they need one that fits them better. CoAd is a strong alternative for businesses looking for more flexibility in their benefits, more predictable costs, direct support for employers and employees, and a team that stays close to their business as their needs evolve.
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