I&#x27;ve not seen any indication that Zenefits is offering a shoddy product. Their other products seem to be well-regarded, do they not? And, their other products are in the same general area (most benefits programs have some tax and accounting repercussions that they&#x27;d need to understand, as well as integration with banks and payroll systems), so they already have some domain expertise in-house.<p>So, yes, it&#x27;s hard to build. That doesn&#x27;t mean that no one can do it. Many companies have done so, including several startups. And, given how poorly one of the market leaders (Intuit) has implemented it, I&#x27;m willing to give a startup a try.