You are talking about several different ideas here.
1. Workman's Comp--rate is set by the State. Cannot change it. Paid to your insurance carrier (usually). There is a modifier that will either increase or decrease your rate depending on the number of claims you have had in the last 3 years. (Talk to your insurance agent!)
2. Leased employees. Temps. Yes sometimes a temp service can have lower bennie rates than you. Has to do with number of employees and buying power.
3. Payroll Services. Good luck. We have always done ours internally. A service will charge a percentage based on number of employees and complexity. As for "raiding the business accouont," set up a "payroll only" account and make a weekly deposit once you know the payroll, taxes, and fees amount. Easy to transfer from general account to Payroll Only Account.
1. Workman's Comp--rate is set by the State. Cannot change it. Paid to your insurance carrier (usually). There is a modifier that will either increase or decrease your rate depending on the number of claims you have had in the last 3 years. (Talk to your insurance agent!)
2. Leased employees. Temps. Yes sometimes a temp service can have lower bennie rates than you. Has to do with number of employees and buying power.
3. Payroll Services. Good luck. We have always done ours internally. A service will charge a percentage based on number of employees and complexity. As for "raiding the business accouont," set up a "payroll only" account and make a weekly deposit once you know the payroll, taxes, and fees amount. Easy to transfer from general account to Payroll Only Account.