# Training Cost: The 40% Indirect Spend ATD Doesn't Add to $846 > ATD says $846 per employee and 16.7 hours for 2025. That's direct only. Indirect time-off-desk adds 40-60% more. Calculator does both. Worked example: $146K total ## Pages - [Home](https://trainingcost.com): ATD says $846 per employee and 16.7 hours for 2025. That's direct only. Indirect time-off-desk adds 40-60% more. Calculator does both. Worked... - [2026 Training Cost Benchmarks: ATD $846, Industry Segmented Data](https://trainingcost.com/2026-training-cost-benchmarks): 2026 training cost benchmarks: ATD $846 per employee and 16.7 hours for 2025 (2026 SOIR). Year-over-year ATD trend, industry and company-size segmentation - [About TrainingCost.com: Independent Corporate Training Cost Reference](https://trainingcost.com/about): Who runs TrainingCost.com, why this site exists, editorial position on ATD anchors, LMS pricing transparency, Chapman Alliance, Kirkpatrick / Phillips ROI frameworks,... - [ATD State of the Industry: Training Expenditure Per Employee by Year](https://trainingcost.com/atd-state-of-the-industry): ATD State of the Industry direct learning expenditure per employee: $846 for 2025 (2026 SOIR), $1,254 for 2024, $1,283 for 2023, $1,220... - [Training Cost Per Employee 2026: ATD Benchmarks by Size, Industry](https://trainingcost.com/benchmarks): Average training cost per employee: $846 for 2025 (ATD 2026 SOIR), down from $1,254 in 2024. Plus by-company-size and by-industry ranges. Sources... - [Build vs Buy eLearning 2026: Chapman + Break-Even Calc](https://trainingcost.com/build-vs-buy): Build vs buy eLearning in 2026: Chapman $14,300-$71,500/finished hour CPI-adjusted, content library break-even, hybrid model. Decision framework + numbers - [Build vs Buy Training Calculator 2026: Per-Seat Vendor vs In-House ID + SME](https://trainingcost.com/build-vs-buy-roi): Interactive build-vs-buy training ROI calculator. Compares in-house instructional design (ID hours + SME hours + authoring tool) vs vendor per-seat pricing over... - [Training Cost by Company Size 2026: SMB vs Enterprise Per-Employee Math](https://trainingcost.com/by-company-size): Training cost by company size in 2026: SMB $1,000 to $2,500 per employee, enterprise $600 to $1,000 per employee. Why fixed-cost amortisation... - [Enterprise Training Cost 2026: Per-Employee Spend at 10,000+ Headcount](https://trainingcost.com/by-company-size/enterprise-training-cost): Enterprise training cost 2026: ATD large-org segment lower per-employee than SMB, LMS economies of scale, Fortune 500 dynamics, total program-spend stack at... - [Small Business Training Cost 2026: Per-Employee SMB Math (Under 500)](https://trainingcost.com/by-company-size/small-business-training-cost): Small business training cost 2026: ATD small-org segment higher per-employee than large-org, no LMS economies of scale, practical $1,000 to $2,500 per... - [Training Cost by Type 2026: Compliance, Tech, Sales, Leadership](https://trainingcost.com/by-type): Training cost by type in 2026: compliance $20-$80/hr, technical $200-$500/hr, sales $300-$800/hr, leadership $500-$2,000/hr. Per-hour and per-employee ranges, sources linked - [Compliance Training Cost 2026: HIPAA, GDPR, OSHA, SOX Prices](https://trainingcost.com/by-type/compliance-training): Compliance training cost 2026 by regulation: HIPAA $30-$50, GDPR/SOX/OSHA published vendor ranges. Penalty cost vs training cost. Sources linked - [Leadership Training Cost 2026: Harvard AMP $95K, Wharton AMP $79K](https://trainingcost.com/by-type/leadership-training): Executive education cost 2026: Harvard AMP $95,000, Harvard PLD $57,000, Wharton AMP $79,000, Wharton EMBA $243,000, MIT Sloan from $19,500. Plus coaching-platform... - [Onboarding Training Cost 2026: $1,500-$5,000 First-Year](https://trainingcost.com/by-type/onboarding-training): Onboarding training cost 2026: 40-80 hours in first 90 days, $1,500-$5,000 per role. Engineering vs sales vs support breakdowns. Cross-linked with OnboardingCost.com - [Safety Training Cost 2026: OSHA 10/30, HAZWOPER, Forklift](https://trainingcost.com/by-type/safety-training): Safety training cost 2026: OSHA 10-hour $100-$300, OSHA 30-hour $200-$500, HAZWOPER 40-hour $800-$1,400, forklift $100-$300. Penalty stakes vs training cost - [Sales Training Cost 2026: Sandler, MEDDIC, Challenger Prices](https://trainingcost.com/by-type/sales-training): Sales training cost 2026: Sandler ~$1,000-$3,000/person (quote-only), MEDDIC Academy $297-$597 published, Challenger quote-based. Per-person and corporate ranges, sources linked - [Challenger Sales Training Cost 2026: Pricing and What Drives It](https://trainingcost.com/by-type/sales-training/challenger): Challenger sales training cost in 2026: Challenger Inc publishes no per-rep list price (quote-only). Third-party aggregators put it at roughly $400 to... - [Sandler Sales Training Cost 2026: Pricing and What Drives It](https://trainingcost.com/by-type/sales-training/sandler): Sandler sales training cost in 2026: Sandler publishes no per-person list price (quote-only via local franchise offices). Third-party guides cite open-enrollment seats... - [MEDDIC Certification Cost 2026: MEDDPICC Academy Prices](https://trainingcost.com/by-type/sales-training/meddic): MEDDIC / MEDDPICC certification cost 2026: MEDDIC Academy publishes list prices. Full MEDDPICC $297, Advanced $597 (certificate included, no separate exam fee), Managers $1,173, Certified Trainer $3,970, Infinite Sales Leadership $1,970, free intro. Corporate team training quote-based. Verified against vendor page - [Soft Skills Training Cost 2026: Communication, DEI, EQ Pricing](https://trainingcost.com/by-type/soft-skills-training): Soft skills training cost 2026 per participant: communication $800-$2,500, DEI $500-$3,000, leadership readiness $1,500-$4,000. Kirkpatrick Level 3 measurement - [Technical Training Cost 2026: AWS, Azure, GCP, K8s Certs](https://trainingcost.com/by-type/technical-training): Technical training cost 2026: AWS SAA $150 + $300-$600 prep, Azure / GCP / K8s certifications, Pluralsight $399-$579, O'Reilly $499-$599. Indirect cost... - [Training Cost Calculator Methodology: Direct + Indirect Math](https://trainingcost.com/calculator-methodology): How TrainingCost.com calculates true training cost: ATD anchors, loaded-salary method, indirect cost defence, worked 50-engineer example. Every formula shown - [Certification Training Cost 2026: AWS, Azure, CISSP, PMP, Scrum](https://trainingcost.com/certifications): Certification training cost 2026 by credential: AWS $100 to $300 exam, Azure $99 to $165, CISSP $749, PMP $405 to $555, Scrum/SAFe... - [Amazon Web Services (AWS) Certification Cost 2026: $100 to $300 Exam Fees](https://trainingcost.com/certifications/aws-certification-training-cost): Amazon Web Services (AWS) certification training cost in 2026: exam fees $100 to $300 by level, A Cloud Guru / Pluralsight /... - [Azure Certification Training Cost 2026: Microsoft Learn vs Paid Prep](https://trainingcost.com/certifications/azure-certification-training-cost): Azure certification training cost in 2026: exam $165 (US), Microsoft Learn free, MeasureUp/Whizlabs practice $40 to $99, structured prep $30 to $99/mo,... - [CCSP Certification Cost 2026: $599 ISC2 Exam Plus Prep Investment](https://trainingcost.com/certifications/ccsp-training-cost): CCSP (Certified Cloud Security Professional) cost 2026: ISC2 exam $599, $135/yr AMF, self-study Sybex ~$60, boot camp $3K to $4K. Adaptive exam... - [CISSP Training Cost 2026: $749 Exam Plus Prep Investment Decoded](https://trainingcost.com/certifications/cissp-training-cost): CISSP training cost 2026: ISC2 exam $749, official boot camp $3K to $6K, self-study Sybex book $50, prep providers $40 to $99/mo.... - [CompTIA A+ Training Cost 2026: $274 x2 Vouchers Plus Prep](https://trainingcost.com/certifications/comptia-a-plus-training-cost): CompTIA A+ (V15, 220-1201 and 220-1202) training cost in 2026: two exam vouchers at $274 each ($548 total list), authorised-reseller vouchers about... - [CompTIA Security+ Training Cost 2026: $439 Voucher Plus Prep](https://trainingcost.com/certifications/comptia-security-plus-training-cost): CompTIA Security+ (SY0-701) training cost in 2026: CompTIA retail exam voucher $439 (mid-2026 list), authorised-reseller vouchers about $394, self-study $40 to $500,... - [Google Cloud Certification Cost 2026: $99 to $200 Exam Fees](https://trainingcost.com/certifications/google-cloud-certification-training-cost): Google Cloud (GCP) certification training cost in 2026: exam fees $99 Foundational, $125 Associate, $200 Professional per Google's own pages, Google Cloud... - [ITIL 4 Foundation Cost 2026: PeopleCert Bundle Fees and Real Total](https://trainingcost.com/certifications/itil-4-foundation-training-cost): ITIL 4 Foundation certification cost 2026: PeopleCert sells it as a bundle, not an exam-only voucher. Exam Bundle £541 incl VAT direct;... - [PMP Certification Training Cost 2026: $405 Exam Plus 35 Contact Hours](https://trainingcost.com/certifications/pmp-training-cost): PMP certification cost in 2026: PMI exam $405 member / $555 non-member, 35 contact-hour REP partner courses $500 to $3,500, indirect 80... - [Scrum and Agile Training Cost 2026: CSM, PSM, SAFe Compared](https://trainingcost.com/certifications/scrum-agile-training-cost): Scrum Alliance CSM $400 to $1,500 incl 2-day course, Scrum.org PSM I $200 exam, SAFe credentials $700 to $1,200. Full Agile credential... - [Six Sigma Certification Cost 2026: ASQ and IASSC Exam Fees by Belt](https://trainingcost.com/certifications/six-sigma-certification-cost): Six Sigma certification cost in 2026 by body and belt: ASQ Green Belt $338 member / $438 non-member, Black Belt $438 /... - [Cost Per Employee Trained Calculator 2026 - Direct + Indirect Loaded](https://trainingcost.com/cost-per-employee-trained): Calculator: training cost per employee with direct (LMS + content) and indirect (learner time at loaded salary) components. ATD anchors: $846 direct... - [Training Delivery Cost 2026: eLearning, ILT, Virtual, Microlearning](https://trainingcost.com/delivery-methods): Training delivery cost comparison 2026: eLearning, ILT, virtual ILT, microlearning, cohort, blended. Cost per learner per hour and effectiveness trade-offs - [Instructor-Led Training (ILT) Cost 2026: Per-Hour Facilitator Math](https://trainingcost.com/delivery-methods/instructor-led-training-cost): ILT cost 2026: facilitator $300 to $800/hr, room $500 to $2,000/day, materials $20 to $100 per learner. Worked 25-learner cost example. When... - [Microlearning Cost 2026: 5-Minute Module Economics and ROI](https://trainingcost.com/delivery-methods/microlearning-cost): Microlearning cost 2026: per-module development $500 to $3,000, platform subscriptions (Axonify, EdApp, 7taps) $1 to $5 PEPM, completion rates higher than long-form... - [VILT Cost 2026: Virtual Instructor-Led Training Saves 30-50% vs ILT](https://trainingcost.com/delivery-methods/virtual-instructor-led-training-cost): VILT cost 2026: facilitator fee preserved, room/AV/travel eliminated. Worked example: $5,500 vs $19,100 for same content. Where VILT wins, where it doesn’t - [Custom eLearning Development Cost 2026: $14,300-$71,500/Hour](https://trainingcost.com/elearning-development-cost): Custom eLearning development cost 2026 by finished hour: Level 1 ~$14,300, Level 2 ~$26,400, Level 3 ~$71,500 (Chapman Alliance CPI-adjusted). Cost-by-course-length calculator,... - [Facilitator + Trainer Day Rates 2026 (US, UK, Global)](https://trainingcost.com/facilitator-rates): Corporate training facilitator pay 2026: BLS OEWS May 2025 median $69,280 (T&D specialists), $133,000 (managers); fully-loaded internal cost ~$87K-$97K. Plus median Training and Development Specialist wages for all 50 states and DC from the BLS OEWS May 2025 state file, Delaware $88,570 highest to Arkansas $52,290 lowest. These are employed-staff wages, a labour-cost benchmark, not freelance facilitator day rates. Why external-consultant day-rate... - [LinkedIn Learning Pricing 2026: $379.88 per Seat per Year (Teams)](https://trainingcost.com/linkedin-learning-pricing): LinkedIn Learning for Teams costs $379.88 per seat per year (USD, US site) for teams needing 20 or fewer licences. LinkedIn no longer sells an individual... - [LMS Pricing Comparison 2026: Public + Quote-Based Ranges](https://trainingcost.com/lms-comparison): Honest LMS pricing 2026: TalentLMS from $119/mo, 360Learning from $8/user; Cornerstone, Skillsoft and Docebo quote-based in the US with UK G-Cloud rate... - [360Learning Cost 2026: From $8 per Active User per Month](https://trainingcost.com/lms-comparison/360learning-cost): 360Learning cost in 2026: Team plan $8 per active user per month (up to 100 users, $2/user add-ons) per public pricing. Business... - [Cornerstone OnDemand Cost: Quote Drivers and How to Negotiate (2026)](https://trainingcost.com/lms-comparison/cornerstone-ondemand-cost): How a Cornerstone OnDemand quote is built and how to negotiate it in 2026: the filed UK G-Cloud rate card (Cornerstone Learning... - [Docebo Cost 2026: G-Cloud Rate Card from GBP 19,725/yr Decoded](https://trainingcost.com/lms-comparison/docebo-cost): Docebo cost in 2026. No US list price is published; the only filed public rate card is UK G-Cloud 14 (Docebo Elevate,... - [LinkedIn Learning for Business Cost 2026: Per-Seat Pricing and Value](https://trainingcost.com/lms-comparison/linkedin-learning-business-cost): LinkedIn Learning for Business cost in 2026: published seat tiers, Microsoft 365 bundling, LMS vs content-library distinction, total cost vs Coursera and... - [TalentLMS Pricing 2026: Core $119, Grow $229, Pro $449/mo](https://trainingcost.com/lms-comparison/talentlms-cost): TalentLMS pricing in 2026 by tier: Free (5 users), Core from $119/mo, Grow from $229/mo, Pro from $449/mo on annual billing. Published... - [Cornerstone OnDemand Pricing 2026: Quote-Based, No Public List Price](https://trainingcost.com/lms-pricing/cornerstone): Cornerstone OnDemand does not publish US commercial list pricing. The only filed rate card is the UK Government G-Cloud 14 framework: Cornerstone... - [Coursera for Business Pricing 2026: $399/yr Teams + Custom Enterprise](https://trainingcost.com/lms-pricing/coursera-business): Coursera for Teams published at $399 per user/year (5-499 users) per Coursera's pricing page. Enterprise (500+ users) is custom-quoted; Coursera does not... - [iSpring Learn Pricing 2026: $3.97 to $6.91 Per Active User](https://trainingcost.com/lms-pricing/ispring-learn): iSpring Learn publishes a transparent per-active-user rate card: Business tier from $6.91/user/month at 100 users down to $3.97 at 500 users, annual... - [LearnUpon Pricing 2026: Quote-Only, Plans From 100 Users](https://trainingcost.com/lms-pricing/learnupon): LearnUpon publishes no list price and files no public rate card. It sells three product lines with user minimums (Employees from 100,... - [LinkedIn Learning Business Pricing 2026: $379.88/yr Teams + Custom Enterprise](https://trainingcost.com/lms-pricing/linkedin-learning): LinkedIn Learning Teams plan published at $379.88 per user/year (2-20 users). Enterprise (21+) is custom-quoted; LinkedIn does not publish an enterprise list... - [Pluralsight Business Pricing 2026: $399 Starter / $579 Pro / $779 Enterprise](https://trainingcost.com/lms-pricing/pluralsight): Pluralsight Business plans now published: Starter $399/user/yr (2,500 courses), Professional $579/user/yr (7,000 courses + practice exams), Enterprise $779/user/yr (full library + skills... - [Skillsoft Percipio Pricing 2026: Quote-Based, UK G-Cloud Rate Card](https://trainingcost.com/lms-pricing/skillsoft): Skillsoft Percipio is enterprise quote-based with no US list price. Its filed UK G-Cloud 14 rate card lists Percipio Essentials at £102.99... - [Udemy Business Pricing 2026: $360/yr Team + Custom Enterprise](https://trainingcost.com/lms-pricing/udemy-business): Udemy Business Team plan published at $360 per user/year (2-20 users) via Udemy pricing. Enterprise is custom-quoted; Udemy does not publish an... - [TrainingCost.com Methodology: Source Provenance + Refresh Cadence](https://trainingcost.com/methodology): How TrainingCost.com builds its 2026 cost ranges: ATD State of the Industry anchors, LinkedIn Learning Workplace Learning Report, Training Magazine Industry Report,... - [Pluralsight Pricing 2026: $399 to $565 per User per Year (Teams)](https://trainingcost.com/pluralsight-pricing): Pluralsight publishes every self-serve price. Team plans: AI + Data $399, Security + Cloud $499, Everything $565 per user per year (USD). Individual plans from... - [Reduce Training Cost 2026: 6 Tactics, Quantified Savings](https://trainingcost.com/reduce-training-costs): Reduce training cost in 2026 without reducing outcomes: microlearning shift, peer teaching, content reuse, AI-assisted dev, LMS consolidation. Savings per tactic - [Training ROI Calculator 2026: Kirkpatrick + Phillips Method](https://trainingcost.com/roi-measurement): Calculate training ROI with Kirkpatrick 4 levels + Phillips Level 5. Worked examples by training type. The frameworks ATD uses, applied honestly - [Training Cost by Scenario 2026: New Hire, M&A Integration](https://trainingcost.com/scenarios): Training cost by business scenario in 2026: new hire first-90-day investment $5K to $20K, M&A integration $500 to $3,000 per acquired employee.... - [M&A Integration Training Cost 2026: Post-Merger Talent Alignment Math](https://trainingcost.com/scenarios/ma-integration-training-cost): M&A integration training cost 2026: culture alignment, systems training, compliance retraining for acquired headcount. Per-employee $500 to $3,000 across the 12-month integration... - [New Hire Training Cost 2026: First-90-Day Investment Decoded](https://trainingcost.com/scenarios/new-hire-training-cost): New hire training cost 2026: first-week orientation, role-specific onboarding training, mentor time, ramp-time loaded cost. Total first-90-day investment commonly $5K to $20K - [Skillsoft Pricing 2026: $319 per User per Year on Teams](https://trainingcost.com/skillsoft-pricing): Skillsoft has no pricing page, but its self-serve Teams checkout publishes a real rate: $319.00 per user per year (USD, US site) for 2 to 300 seats. Enterprise... - [TalentLMS Pricing 2026: Core $119, Grow $229, Pro $449 per Month](https://trainingcost.com/talentlms-pricing): TalentLMS publishes its full price matrix. Core from $119, Grow from $229, Pro from $449 per month on annual billing (USD), stepping up by user bracket. Free... - [Udemy Business Pricing 2026: $360 List, $252 Promo per User per Year](https://trainingcost.com/udemy-business-pricing): Udemy Business Team Plan lists at $360.00 per user per year (USD, US site), currently discounted to $252.00 for the first year for new customers through 23... - [Sponsorship: One Sponsor, Clearly Labelled, Never In-Category](https://trainingcost.com/sponsorship): TrainingCost.com carries one clearly labelled, category-exclusive sponsor. Reach L&D, HR, and operations teams pricing corporate training, at the decision. Independent by design - [Absorb LMS Pricing 2026: No Published Price, Eight Learner Bands](https://trainingcost.com/absorb-lms-pricing): Absorb LMS publishes no price in any currency. Its pricing URL 301-redirects to a quote request form. The one thing it does publish is the eight learner bands... - [Cornerstone Pricing 2026: USD 86,000 Learn+, USD 118,000 Elevate+](https://trainingcost.com/cornerstone-pricing): Cornerstone publishes no price and has no pricing page. Its AWS Marketplace AMER listing shows Learn+ at USD 86,000 and Elevate+ at USD 118,000 a year at 1,000... - [Docebo Pricing 2026: USD 35,900 and USD 52,800 on AWS Marketplace](https://trainingcost.com/docebo-pricing): Docebo publishes no price on its own site. Its AWS Marketplace NA listing does: Elevate 500 at USD 35,900 a year for 500 yearly active users, Elevate 1000 at... - [LearnUpon Pricing 2026: No Published Price, Minimums From 100 Users](https://trainingcost.com/learnupon-pricing): LearnUpon publishes no price in any currency. It does publish the user minimum per product: Employees from 100 users, Associations from 150, Customer Education... - [Litmos Pricing 2026: Three Plans, All Contact for Pricing](https://trainingcost.com/litmos-pricing): Litmos names three plans, Foundation, Platinum and Platinum AI, and prices none of them. Every price slot reads Contact for Pricing, and no marketplace rate... - [Dale Carnegie Training Cost 2026: $1,795 to $2,500 Per Seat](https://trainingcost.com/dale-carnegie-training-cost): Dale Carnegie publishes seat prices per scheduled event, so one course has many prices. The Dale Carnegie Course ran $1,795 (Emerald Coast) to $2,500 (Central Texas) per seat across US franchises on 9 Sep 2026, $2,470 in New York City, $2,195 live online, GBP 2,640 incl VAT in the UK. On-demand subscription $59.99 per user per month. Corporate in-house unpriced - [Sandler Training Cost 2026: What Sandler Publishes (Nothing)](https://trainingcost.com/sandler-training-cost): Sandler publishes no price for any training, coaching, assessment or online course. Six client-facing pages checked 9 Sep 2026, none carries a currency symbol. 200+ independently owned franchises in 34 countries each price their own engagements. The only Sandler dollar figures published are franchise-buyer economics ($65,000 fee, $83,500-$108,250 investment), not training prices - [FranklinCovey Training Cost 2026: $479 to $2,695 Per Person](https://trainingcost.com/franklincovey-training-cost): FranklinCovey publishes public workshop prices and nothing for the All Access Pass. On 9 Sep 2026: 7 Habits $2,595 list / $2,195 sale, 7 Habits for Managers $2,695 / $2,295, 5 Choices $2,545 / $2,145, and five one-day and Essentials workshops at $479 per person. A $400 checkout discount was live, so list and sale are stated separately - [Crucial Conversations Training Cost 2026: From $265, $1,095, $1,295](https://trainingcost.com/crucial-conversations-training-cost): Crucial Learning publishes starting prices only. On 9 Sep 2026: courses start at $265, on demand from $265, virtual instructor-led from $1,095, in person from $1,295 per seat. Those are floors across a format, not the price of any named course. Per-course seats, team delivery and trainer certification are all unpriced - [Toastmasters Cost 2026: Dues Rose to $72 Per Six Months on 3 August](https://trainingcost.com/toastmasters-cost): Toastmasters International raised semiannual dues from $60 to $72 effective 3 Aug 2026, so guidance quoting $60 is stale. Dues are $72 per member per six months, stated by Toastmasters as $144 a year or $12 a month, plus a one-time $25 new member fee. New club charter fee $125. Visiting is free. Local club dues are set club by club - [Coursera for Business Pricing 2026: Teams Is Priced by Country](https://trainingcost.com/coursera-for-business-pricing): Coursera for Teams is geo-priced from the visitor IP, so there is no single Teams price. Verified capture 9 Sep 2026 returned AUD 566.00 per user per year on annual billing, up to 499 users. Enterprise above 499 is tailored and unpriced. 25 percent nonprofit discount up to 125 licences. No US dollar figure is stated because none was retrievable - [360Learning Pricing 2026: Team $8 Per User Per Month to 100 Users](https://trainingcost.com/360learning-pricing): 360Learning publishes one tier and quotes the rest. Team is $8 per user per month for up to 100 users, billed monthly, no annual commitment, no seat minimum, 30-day trial. The French site publishes the same tier at EUR 8, its own euro price not a conversion. Business and Enterprise are both Custom with no band or floor - [iSpring Learn Pricing 2026: $8,286 to $23,790 Per Year by Band](https://trainingcost.com/ispring-learn-pricing): iSpring publishes exact annual Business prices at three seat counts: $8,286 a year at 100 users, $16,050 at 300, $23,790 at 500, stated as $6.91, $4.46 and $3.97 per user per month. The per-user rate is a rounded derivation, so budget from the annual figure. No rate between bands or above 500 users. Australian bands published separately --- *Generated 2026-08-26 from Training Cost: The 40% Indirect Spend ATD Doesn't Add to $846 site source.*