CoAdvantage vs Insperity (PEO)

CoAdvantage5.8/10

Insperity (PEO)5.7/10

Scored in PEO Services

The short answer

Insperity quotes all three of its services. CoAdvantage publishes do-it-yourself payroll plans from $55 a month plus $5 per employee, with no implementation fee. Insperity offers HR360, a full PEO; HRScale, a PEO on Workday; and HRCore, HR technology without co-employment.

By LeadChange Research TeamUpdated Nov 11, 2026Based on 13 sources, most recently checked Nov 13, 2026

CoAdvantage

Starting price: $55/mo + $5/employee/mo1
Best for: Small businesses wanting public monthly payroll pricing with a path to PEO

Choose CoAdvantage if

You want a payroll plan at a published price, not a PEO: Base is $55 a month plus $5 per employee.
You want a payroll plan on month-to-month terms with no implementation fee (Base and Pro).
You connect payroll to many apps: 43 integrations.
You want a compliance dashboard with Smart Law Alerts.

CoAdvantage pricing Alternatives to CoAdvantage

Insperity (PEO)

Best for: Small and midsize businesses that want a full-service PEO with a dedicated service team

Choose Insperity (PEO) if

You want a full PEO with workers' comp included (HR360).
You want a PEO on the Workday platform (HRScale).
You want a long benefits list, from medical and a 401(k) to critical illness cover.
You may grow to enterprise size, a segment Insperity serves.

Insperity (PEO) plans and prices Alternatives to Insperity (PEO)

LeadChange Score: editorial assessment based on public information.

Scorecard

CoAdvantage wins 1Insperity (PEO) wins 11 tie

CoAdvantage vs Insperity (PEO) by dimension
Dimension	CoAdvantage	Insperity (PEO)
PricingCoAdvantage publishes its payroll plans: Base at $55 a month plus $5 per employee and Pro at $85 plus $6. Insperity quotes every service.	Partly published	Quote only
CapabilitiesBoth cover payroll, benefits, HR compliance and risk management. CoAdvantage adds time and attendance and talent acquisition; Insperity adds contractor management and retirement and insurance services. PEO, Payroll, HCM, HR Compliance, Employee Benefits, Benefits Administration, Risk Management, Time & Attendance, Talent Acquisition2	9 of 10 core capabilities	9 of 10 core capabilities
Fit and supportInsperity serves small, midsize and enterprise employers, with phone, email and web-form support from 7am to 7pm CST on weekdays. CoAdvantage serves small and midsize businesses by phone and chat. Small businesses, mid-market companies, enterprises3	Small businesses, mid-market companies	Small businesses, mid-market companies, enterprises

Key differences

Where CoAdvantage and Insperity (PEO) differ (8)
Attribute	CoAdvantage	Insperity (PEO)
Pricing model	Base fee + per employee1	Quote only4
Price transparency	Partly published1	Quote only4
Contract term	Monthly1	Custom5
Best for	Small businesses, mid-market companies6	Small businesses, mid-market companies, enterprises3
Mobile apps	CoAdQuantum Mobile (iOS), CoAdQuantum Mobile (Android)7	iOS8
Support channels	Phone, chat1	Phone, Email, Web form9
Founded	199710	198611
Headquarters	Bradenton, Florida, US2	Kingwood, Texas, USA12

Show 1 attributes where they are the same

Where they are the same (1)
Attribute	CoAdvantage	Insperity (PEO)
Automatic tax filing	1	5

Analysis by dimension

Pricing. CoAdvantage publishes its payroll plans: Base at $55 a month plus $5 per employee and Pro at $85 plus $6. Insperity quotes every service.

Capabilities. Both cover payroll, benefits, HR compliance and risk management. CoAdvantage adds time and attendance and talent acquisition; Insperity adds contractor management and retirement and insurance services.

Integrations. CoAdvantage lists 43 integrations and a general ledger import. Insperity publishes no integration count; HRCore runs on a platform from isolved.

Fit and support. Insperity serves small, midsize and enterprise employers, with phone, email and web-form support from 7am to 7pm CST on weekdays. CoAdvantage serves small and midsize businesses by phone and chat.

Security. Neither names a security certification on the pages we reviewed.

Neither one?

Justworks

Justworks has the highest LeadChange Score in PEO Services after excluding these two (9.7/10).

From $79/employee/mo (PEO Basic plan)13

Justworks review

More CoAdvantage comparisons

More Insperity (PEO) comparisons

Frequently asked questions

Is CoAdvantage a PEO?

Yes. CoAdvantage Resources 85, LLC is on the IRS list of certified PEOs, effective July 1, 2026. It also sells payroll plans you run yourself, a need Insperity covers with HRCore, its service without co-employment.

Is CoAdvantage a good PEO?

Its documented strengths are a co-employment PEO that includes workers’ compensation, published payroll plans with no implementation fee, 43 integrations and a compliance dashboard. It is less suited to buyers who want a published PEO price: its PEO is quoted.

Is CoAdvantage a competitor of Insperity?

Yes: both run full PEOs for small and midsize businesses. Against CoAdvantage, Insperity offers a PEO on Workday and a longer benefits list.

How much does CoAdvantage cost compared with Insperity?

CoAdvantage’s Base payroll plan costs $55 a month plus $5 per employee, or $105 for 10 employees; Pro costs $85 plus $6. Insperity quotes, combining direct costs with a per-employee service charge.

How long have CoAdvantage and Insperity been in business?

Insperity was founded in 1986 and CoAdvantage in 1997. Insperity is publicly listed and based in Kingwood, Texas; CoAdvantage is based in Bradenton, Florida.

Does CoAdvantage include workers' compensation?

In its PEO, yes: workers’ compensation is included in the PEO relationship. On its Base and Pro payroll plans, workers’ compensation insurance is an add-on. Insperity’s HR360 PEO includes workers’ compensation coverage too.

How this page was made

What it is built from
24 verified facts, each checked against the vendor's own pages or another primary source, most recently on Nov 13, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested either product hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction

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Sources

The 13 pages this page's facts come from. The date beside each is our last check of the facts taken from it (the oldest, when they differ). The numbers beside the figures above link here.

Quotes from the sources

CoAd coad.com/pricing“Base Software handles payroll. You make every decision. US phone support included. Starting at $55/mo + $5 per employee” “Software-led payroll with as much or as little support as you need, no setup fees!”
CoAd coad.com“ProductsPEOPayrollHCMFeatures & Add-onsHR ComplianceEmployee BenefitsBenefits Administration” “101 Riverfront Blvd”
Insperity insperity.com“Whether you’re a startup, a scale-up or a well-established company, Insperity delivers the dynamic HR services and technology you need to support and grow your business.”
Insperity insperity.com/our-products/our-pricing“This is a fixed-dollar per-employee charge that covers the full scope of Insperity HR360 services. It’s customized for you based on the size of your business and won’t increase if you pay your employees more.” “The variables within each category are why we need to understand your business before we can give you a quote.”
Insperity Insperity Form 10-K, fiscal 2025“the CSA generally establishes pricing for a period of one year and is subject to termination by Insperity or the client upon 30 days’ written notice” “Payment of wages and salaries as reported by the client and related tax reporting and remittance (local, state and federal withholding, FICA, FUTA, state unemployment)”
CoAd coad.com/products/professional-employer-organization“CoAd primarily serves small and mid-sized businesses typically 5 to 500 employees.”
CoAdvantage Resources Inc apps.apple.com/us/app/coadquantum-mobile/id6654899979“CoAdQuantum Mobile is designed for employees to manage work essentials on the go. Access pay details, review PTO, update pay preferences, and stay informed with company news”
Insperity, Inc. (App Store listing) apps.apple.com/us/app/id674606949“Insperity Mobile is now in sync with your active lifestyle. Quick, easy access to your 401k, paycheck information, FSA, UHC benefits card and more.”
Insperity insperity.com/customer-support“If you’d like to speak with someone, please contact our Customer Service team via phone to connect with a representative 1-866-715-3552.”
CoAd coad.com/about“1997CoAdvantage launches to support growing businesses with HR and payroll solutions”
Insperity insperity.com/about-us“The company was founded as Administaff – later to be rebranded as Insperity.”
Insperity insperity.com/about-us/our-locations“Corporate headquarters – Kingwood”
Justworks justworks.com/pricing“Justworks PEO pricing starts at $79 per month per employee for our Basic plan and $124 per month per employee for our Plus plan. Justworks Payroll customers pay $8 per month per employee plus a $50 base fee.”