PEO or Payroll Quiz

Not sure whether you need payroll software or a PEO? Six questions on headcount, states, benefits and HR staff point you to the right fit and the right price.

Last update:

October 15, 2026

Not sure where you stand?

See the price for your fit, not a range

Take your answers to a CoAd specialist and get real pricing for the fit the quiz points to, whether that is CoAd Pay at $55/mo + $5 per employee or a PEO quote by headcount.

Get my price

The honest answer to "do I need a PEO" depends on six things: how many people you employ, how many states they sit in, whether you want to offer benefits, who handles HR today, what keeps you up at night and how fast you are hiring. Answer them and this quiz points you to CoAd Pay, CoAd Pay Pro or CoAd PEO, and to the page with the price. Compare the two models in depth in our PEO vs payroll services guide.

PEO or payroll? Find your fit in six questions

Six questions, one recommendation, and the right next page.

EmployeesStates with employeesBenefits todayHR staffBiggest worryHiring plans next 12 months

Best fit

See the plan that fits

See payroll pricing

Rule of thumb: payroll software fits when the owner can handle HR questions and benefits are simple or absent. A PEO starts to pay for itself around 10 employees when benefits, multi-state compliance or hiring pressure enter the picture. Not a quote.

PEO or Payroll Quiz

PEO or payroll? Find your fit in six questions

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