Employee Benefits Packages

Benefits your team wants, at rates your business can afford.

As a CoAd PEO client, you get access to large-group health plans, 401(k), dental, vision, FSA, HRA, and more, all fully administered for you. These are benefits typically reserved for larger employers, now available to small businesses at competitive rates.

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Large-Group

Rates for any size business

Medical + Dental + Vision

+ 401(k) + FSA/HRA

CoAd Enroll

Powers all enrollment & admin

Fully Administered

Open enrollment handled for you

Features

Stop Competing for Talent with One Hand Tied Behind Your Back.

Small businesses typically can't access large group benefit rates on their own. Through CoAd's PEO model, employees are pooled across hundreds of companies to unlock broader carrier options and lower-cost plans. Your team gets Fortune 500-level coverage. Your business gets a benefits program that’s simpler and more affordable to offer.

Medical Insurance

Real health coverage with real choices for your team.

Access multiple major medical plan options including HMO, PPO, and HDHP structures. Because CoAd negotiates on behalf of thousands of employees across all client companies, your team gets competitive premiums and broader carrier networks than most small businesses can access on their own.

Dental & Vision

Coverage your team actually uses, alongside medical in one enrollment.

Dental and vision plans are included with medical, so employees can choose their full benefits in a single enrollment through CoAd Enroll. No separate logins, no disconnected systems, and no paper forms.

401(k) Retirement Plans

A benefit that builds wealth and improves retention.

Group 401(k) plans with flexible employer match options, multiple investment fund choices, and full plan administration. It’s more affordable to offer than most businesses expect and one of the top reasons employees choose to stay.

FSA, HRA & Account-Based Plans

Tax-advantaged benefits that stretch your employees' pay further — and cost you less than you think.

Healthcare FSAs, Dependent Care FSAs, HRAs, QSEHRAs, and ICHRAs — all administered through CoAd. Employees contribute pre-tax, reducing taxable income for both them and your business. Contributions and reimbursements reconcile automatically through payroll.

Financial Wellness

Financial wellness beyond the paycheck.

Earned wage access, paycards, and prescription savings — practical benefits that make a real difference in your employees' day-to-day lives. Financial stress follows people to work, and the cost of doing nothing adds up fast. These tools cost you little or nothing to offer, and they mean a lot to the people on your team.

Competitive benefits that work for you and your team.

COBRA Administration

Automated continuation notices, election tracking, and payment collection are handled for you when employees leave.

Open Enrollment

Fully administered through CoAd Enroll. Employees elect online, no paper forms, no chasing.

Life Event Changes

Marriage, birth, and loss -of-coverage qualifying events handled in CoAd Enroll with automatic carrier update.

Carrier Connectivity

EDI feeds to carriers keep enrollment data accurate in real time with no manual updates, no reconciliation headaches.

Dependent Enrollment

Employees add and manage dependents through self-service, so HR doesn't have to touch it.

Benefits Reporting

Utilization, enrollment, and cost reports available to HR admins in real time, whenever you need them.

What our customers are saying

For the people,
behind the people.

2,400+

Employees

"Together, we’ve built something that works—a structured, scalable HR system that integrates new teams quickly while maintaining operational excellence."

“I hate change. It makes me very nervous. Most people do, especially when things like payroll systems are changing. But CoAdvantage made it so easy."

“Working with CoAdvantage is great because we have a team that covers everything: payroll, benefits, legal compliance. There’s always someone I can talk to and get an answer from right away, whether that’s by email or on the phone.”

Liliana Herbert

Senior HR Executive

Technology

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Pricing

A PEO that's built for your business.

Get HR, payroll, benefits, compliance,
and dedicated support in one
PEO solution.

FULL SERVICE

We handle it all

PEO

Named advisor or co-employer. You focus on the business. We manage HR operations — end to end.

Named HR advisor

Co-employer relationship

Benefits administration

Full payroll management

Risk & compliance management

Consultative onboarding included

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Typically responds within 1 business day

FAQ

Got questions?
We have answers.

Everything you need to know before you get started.

What medical carriers are available?

CoAd works with multiple major carriers. Specific options vary by state and location, and your account team will walk you through what's available in your area. We'd rather show you the real options than list carriers that may not be in your market.

Can employees choose their own plan?

Yes. Employees can compare and select plan options during open enrollment through CoAd Enroll, including costs, coverage details, and dependent options. They can enroll online, from any device, at their own pace.

How does 401(k) employer matching work?

You set the match structure, for example 50% of employee contributions up to 6% of salary. The match is calculated and funded automatically through payroll, and plan design is flexible based on what works for your business.

What is an ICHRA and does CoAd support it?

An Individual Coverage HRA allows employers to reimburse employees for individual health insurance premiums instead of offering group coverage. It's a good fit for some business structures. Yes, CoAd supports ICHRA administration for eligible employers.

Who handles COBRA when an employee leaves?

CoAd handles it, required notices, election window tracking, and continuation payment processing. You don't need to manage any of it.

Let’s get to work

Your team. Your needs.
HR that’s built for you.

HR is full of choices. We’ve got a plan that’s right for you.

Get Started

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