Payroll software   You run it yourself; the tool files the taxes. Cost details
Payroll bureau   A firm runs payroll and files taxes for you. Assumes two pay runs per month. Cost details
ASO   Payroll plus HR administration. You stay the sole employer. 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. Deeper PEO calculator

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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