CoAdvantage

Public facts

PEO (now marketed as CoAd)

PEO historically branded CoAdvantage; as of July 14, 2026 the combined CoAdvantage–PrimePay business markets as CoAd, with unbundled PEO services and co-employment tax/compliance liability.

Visit coadvantage.com

Overview

CoAdvantage is a U.S. professional employer organization that, on July 14, 2026, launched the CoAd brand after combining with PrimePay. Official CoAd materials describe a PEO that handles payroll, benefits, HR, and risk through co-employment, primarily for businesses of about 5 to 500 employees. A July 2026 PR Newswire release said CoAd would continue to serve more than 17,000 clients and process upwards of $15 billion in annual payroll, and that clients can take PEO/co-employment with or without health benefits, workers’ compensation, or HR administration—while CoAd still assumes payroll tax filing and compliance liability. Technology includes CoAd Quantum (HCM) and CoAd Enroll (benefits administration).

Why it matters The 2026 CoAd launch is one of the few official PEO moves to unbundle master benefits from co-employment tax liability—material when a group wants PEO payroll-tax assumption without changing carriers.

Target buyer: Small and mid-sized U.S. employers (vendor: typically 5–500 employees) that want a PEO and may need unbundled benefits or workers’ comp rather than a mandatory master-plan package.
Pricing model: Not published; custom Full Service PEO quote; The CoAd PEO page does not list PEPM. Contract terms are described as varying by service. Third-party review sites publish unofficial PEPM ranges; those are not official and are omitted here. Confirm whether a quote is under the CoAdvantage or CoAd contracting entity.
Availability: National
Research: Last researched 2026-08-23; Agent-strong category

Key features

Co-employment PEO: payroll taxes, benefits admin, unemployment and workers’ comp claims, HR management, retirement (PEO-side duties as listed)
July 2026 unbundling: PEO available with or without health benefits, workers’ comp, or HR administration
Full-service payroll: unlimited runs, automated multi-jurisdiction tax, direct deposit, garnishments, new-hire reporting, W-2/1099
Benefits: medical (HMO/PPO/HDHP), dental, vision, 401(k) with flexible match, FSA/HSA/ICHRA, COBRA via CoAd Enroll
Risk: workers’ compensation in the PEO relationship (when elected), EPLI up to $1M per claim, 24-hour injury reporting, safety evaluations, return-to-work, loss trending
Named HR advisor on the Full Service package
CoAd Quantum HCM and CoAd Enroll benefits administration with carrier EDI

Integrations

CoAd Quantum (payroll, time, HR, performance, reporting)
CoAd Enroll (open enrollment, life events, carrier EDI, COBRA)
Named third-party accounting connectors were not published on the CoAd PEO page reviewed

Overview

CoAdvantage has long operated as a PEO. On July 14, 2026, PR Newswire announced CoAd as the new brand identity from the merger of CoAdvantage and PrimePay, covering payroll, HR, benefits administration, compliance, workforce technology, and PEO services.

The same release said traditional PEOs often require a master benefits plan to access co-employment, and that CoAd now tailors the PEO client by client—with or without health benefits, workers’ compensation, or HR administration—while still fully assuming payroll tax filing and compliance liability through co-employment. Scale figures in that release: more than 17,000 clients and upwards of $15 billion in annual payroll.

The current product site is coad.com. The PEO page describes co-employment: the client keeps business operations, product, marketing/sales, and hiring/firing; CoAd handles payroll and payroll taxes, benefits administration, unemployment claims, workers’ compensation claims, HR management, and retirement services; compliance, risk, and training are listed as shared.

Headquarters address published on coad.com: 101 Riverfront Blvd., Suite 300, Bradenton, FL 34205. Customer quotes on the PEO page still use the CoAdvantage name in places.

The user-facing URL https://www.coadvantage.com is the historic brand site; product content used for this entry was retrieved from the official CoAd PEO page.

Key Capabilities

Payroll: unlimited runs; automated tax filing across jurisdictions; direct deposit; garnishments; new-hire reporting; year-end W-2 and 1099.
HR administration: onboarding, offboarding, policies, employee relations, compliance guidance.
Risk and insurance: workers’ compensation included in the PEO relationship (when part of the election); EPLI coverage up to $1 million per claim; 24-hour injury reporting; worksite safety evaluations; return-to-work programs; loss trending.
Benefits: pooled large-group medical, dental, vision, 401(k); FSA/HSA/ICHRA; COBRA; open enrollment and life events in CoAd Enroll.
Full Service package: named HR advisor, co-employer relationship, benefits administration, full payroll, risk and compliance, consultative onboarding; typical response within one business day (vendor).

Primary market: small and mid-sized businesses, typically 5 to 500 employees.

Integrations & Ecosystem

CoAd Quantum is the HCM system of record (payroll, time, HR, benefits, performance, reporting). CoAd Enroll handles digital plan selection, life events, employee self-service, carrier EDI feeds, and COBRA. How they connect to external ERPs or ATS tools is not listed on the PEO page reviewed.

Pricing

Custom. No official PEPM. Contract length “varies by service.”

Notes & Limitations

Brand transition (CoAdvantage / PrimePay / CoAd) may leave mixed legal names on contracts and ID cards; confirm the contracting entity and EIN.
Unbundled PEO is a 2026 go-to-market claim; confirm it applies to a given worksite and state.
EPLI “up to $1M per claim” is vendor marketing; read the policy.
Historic coadvantage.com and current coad.com should both be checked for the latest packaging.
“National” follows nationwide client language in the launch release; no exclusion list was found.

Sources

Tags: PEO · co-employment · payroll · benefits · CoAd · PrimePay