Pricing

Each plan has a flat monthly base fee plus a per-employee charge. The per-employee fee applies to active employees processed in each pay period — so if someone joins or leaves mid-month, you only pay for the time they were active. No minimums, no surprise overages.

Your bill adjusts automatically based on active employees each pay period. If you hire someone or part ways with an employee, you don't need to update anything manually — the system handles it.

All plans include setup at no extra cost, and PEO onboarding is fully guided with a dedicated specialist included in your agreement.

If you're not satisfied within the first 30 days, contact our support team and we'll refund your platform fee in full. Charges already remitted on your behalf — like payroll taxes — are non-refundable since those have been paid to government agencies.

Payroll tax filing is included in all plans (single-state on Base, multi-state on Pro and above). Electronic year-end documents like W-2s are included in Pro and above; on Base they're available as an add-on.

Yes. You can upgrade instantly from your account settings — new features are available right away. Downgrades take effect at the start of your next billing cycle so you keep full access through the period you've already paid for.

Base and Pro are month-to-month with no cancellation fees — you can leave anytime. Custom arrangements are discussed during onboarding and may involve a minimum term. PEO agreements are typically structured on an annual basis given the depth of the co-employment relationship.

Your data remains accessible for 90 days after cancellation so you can export payroll records, tax filings, and employee documents. After that period, data is securely deleted in accordance with our retention policy. We can provide a full export at any point during that window.

Absolutely. Many customers start on Base or Pro while they're getting established, then transition to PEO as they grow and want more hands-on HR support. Our team makes the transition smooth — your employee data, payroll history, and tax records all carry over.

A Professional Employer Organization (PEO) enters a co-employment arrangement with your business. Practically speaking, CoAd becomes the employer of record for HR and tax purposes — handling payroll, benefits, compliance, and HR administration on your behalf — while you retain full control over your employees' day-to-day work. It's a good fit if you want to stop managing HR entirely and focus on running your business.

With a Custom plan, CoAd tailors our software and advisory services to your situation — but you remain the sole employer of record. With PEO, we enter a formal co-employment relationship, taking on shared legal responsibility for HR and compliance. PEO clients typically get deeper, more proactive support and access to benefits programs that would otherwise only be available to larger companies.

No. You keep complete control over hiring, firing, day-to-day management, compensation decisions, and company culture. The co-employment relationship covers HR administration and compliance — not how you run your team. Think of it as CoAd handling the back-office HR so you can focus on the front-line business.

Yes — this is one of the biggest advantages. Because CoAd pools employees across multiple client companies, we can offer access to large-group health, dental, vision, and retirement plans that a small business typically couldn't access on its own. That means more competitive benefits for your team at lower cost to you.

PEO pricing is customized based on your employee count, payroll runs, benefits elections, and service needs — which is why we don't publish a fixed rate. We'll put together a clear, itemized proposal during your consultation so there are no surprises. Unlike many PEOs, we don't bury fees in your payroll taxes.