HR & Payroll Software   You run it yourself. The tool files the taxes.
Payroll Service   A firm runs payroll and files taxes for you. Assumes two pay runs per month. Cost details
PEO   Full employment back office under co-employment. Admin fees only, benefits premiums separate. Sometimes priced as 2% to 12% of payroll instead. Cost details

Typical published US market ranges as of 2026. Every provider quotes differently; use these to sanity-check, not to negotiate. The cheapest column is not automatically the right one, and neither is the fullest.

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