1. OK - I agree.
2. So - did you get mint.com to tell you how they integrated with your bank(s) ? Did your local bank tell you, for that matter, how they did background searches on their staff ?
3. You clearly don't manage a company with issues like COBRA, insurance, or payroll.
I almost didn't get past #1, but #2 and #3 were non-issues. Why? Because when you manage a business, you have to focus on your core business: So either pay to outsource HR (6K month, thats a salary right there), risk noncompliance with a broker, or go with Zenefits and worry about under-the-bed monsters that do not exist under #2-#3.