|  |    | |
| OEM America | ADP & Paychex | |
| Optimal Company Size | Specializes in <500 EE market | Designed for 1000s of employees, may be overwhelming for <500 EE market | 
| Service Approach | Customized, personal service based on individual needs | One size fits all, more impersonal | 
| Local Expertise | Intimately familiar with CT climate, onsite help available | Broad national/global focus, lack of regional specificity | 
| Client Retention | High client retention due to excellent service | High turnover for clients with under 500 employees due to poor service | 
| Support | Immediate phone support from a familiar team, no phone trees | Phone support can lead to different representatives with varying knowledge levels | 
| Relationship | Personal, intimate understanding of client’s company to anticipate and solve problems | Less personal, more transactional | 
| Investment Focus | Invested in clients’ success, not stockholders | Corporate focus on shareholders | 
| HR Approach | Comprehensive, 360-degree hands-on approach to HR | HR sold as SaaS (Software as a Service), less hands-on | 
| Pricing & Invoicing | Consistent pricing, clear and easy-to-understand invoices | Invoices can be difficult to understand, may fluctuate without notice | 
| Workload for In-House Staff | Lowers workload for in-house staff, more support | Can increase workload for in-house staff as they’re expected to navigate the platform mostly independently | 
| Ownership | Family-owned | Shareholder-own |