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People & Payroll
7 services · hiring to retirement

HR + payroll, sorted. From hire to retirement.

Hiring employees triggers a wave of compliance and benefit decisions: payroll setup, new hire reporting in every state, E-Verify enrollment (if required), I-9 management, retirement plan selection, HSA/FSA setup. Plus PEO routing if you want Fortune-500-grade benefits without the overhead. We handle the operational side so you can focus on the people side.

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All 50 states + DC 60-day money-back SOC 2 Type II
All services

All HR + payroll services.

Cover the full lifecycle: new-hire onboarding, ongoing benefits administration, ongoing compliance, and business credit building.

Hiring

Day-1 compliance
New Hire Reporting
$49/hire
All 51 jurisdictions, 20-day deadline
Use case: Every state requires itLearn more →
E-Verify Enrollment
$299
DHS eligibility verification
Use case: Federal contractors + 8 statesLearn more →
I-9 Management
$9/employee
Digital I-9, audit-ready storage
Use case: Every employerLearn more →

Benefits

Pre-tax + retirement
Retirement Plan
$499
Solo 401k, SEP, SIMPLE, 401k
Use case: Tax-advantaged savingsLearn more →
HSA / FSA Setup
Free
Triple tax advantage for HSA
Use case: Employee pre-tax healthLearn more →
PEO Setup
Free referral
Justworks, Rippling, TriNet
Use case: Fortune-500 benefitsLearn more →

Business credit

Beyond personal credit
Tradeline Reporting
$99/mo
D&B PAYDEX, Experian Business
Use case: Business credit historyLearn more →
Why our HR stack

HR operations, handled. Compliant.

Day-1 compliance

First-day onboarding triggers I-9, W-4, state new hire reporting, E-Verify (if required), benefits enrollment. We handle the operational stack so day 1 is clean.

Multi-state coverage

Remote-first companies often have employees in 10+ states. New hire reporting, payroll registration, state withholding accounts in each. We coordinate across all 51 jurisdictions.

Benefits design

Right benefits depend on company stage and size. Solo founder: Solo 401(k). Small company: SEP-IRA or SIMPLE. Growing: 401(k) with Safe Harbor. We help pick the right plan for your stage.

PEO when it makes sense

PEO (Justworks, Rippling, TriNet) gives Fortune-500 benefits without the overhead. Right for many 5-100 employee companies. We assess fit and refer to the best PEO for your needs.

Compliance documentation

ICE I-9 audits, DOL audits, state employment tax audits. Digital storage with tamper-evident audit trail produces records on demand. We are audit-ready by default.

Business credit alongside personal

Most small business owners use personal credit only. Building business credit (D&B PAYDEX, Experian Business) opens better terms, vendor lines, lender options. We help establish it from day 1.

FAQ

About People & Payroll.

PEO or in-house payroll?
PEO: Fortune-500 benefits, less HR overhead, $50-$200 per employee per month. In-house: cheaper administration ($30-$80/month payroll provider), simpler compensation flexibility, but you handle benefits and compliance. PEO makes sense above ~5 employees for most companies.
Do I need E-Verify?
Federal contractors with FAR clause 52.222-54 must enroll. 8 states require enrollment (AZ, AL, GA, MS, NC, SC, TN, UT). Voluntary for others. Most companies enroll only when required.
Which retirement plan?
Solo (owner-only): Solo 401(k). 2-50 employees, simple: SEP-IRA or SIMPLE IRA. 10+ employees, want match flexibility: Safe Harbor 401(k). Plus Roth options available on each. We help pick based on your team.
What about workers comp?
State-mandated. Handled by specialized carriers, often through PEO or a separate broker. We refer to workers comp specialists in your state.
How do I build business credit?
Establish tradelines with vendors that report to D&B and Experian Business (Uline, Quill, Grainger), use business credit cards that report (Brex, Ramp), pay on time consistently. Takes 6-12 months to establish meaningful score.
Do you handle state employment registration?
Yes. For multi-state employers, we coordinate state withholding accounts, state unemployment insurance, and state new hire reporting in each state. PEO clients have this handled by the PEO automatically.
Bundle & save

Recommended add-ons

Most customers add these to keep their business compliant year-round.

Quarterly 941 Auto-File

Recommended

We file Form 941 every quarter. No deadline tracking on your end.

$49 /quarter Add →

Annual W-2/1099 Filing

Year-end W-2/W-3, 1099-NEC, 1099-MISC all handled.

$10 /form Add →

Compliance Monitoring

Track every payroll-tax deadline at federal and state level.

$19 /month Add →
Why File.Business

Premium compliance, no service-fee markup.

Trust you can verify

SOC 2 Type II audited platform. 220,000+ businesses served. 60-day money-back on service fees. State fees passed through at cost with no hidden markup. Explicit AUP on restricted industries.

A compliance partner, not a transaction

Most providers go quiet after checkout. We auto-track every annual report, registered agent renewal, and license deadline across your entities. The Business OS dashboard keeps your compliance score visible year-round.

Premium experience competitors cannot match

Premium positioning, transparent pricing, no service-fee markup on state or federal filings. Premium positioning, transparent pricing, no service-fee markup on state filings.

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No state-fee markup. Pay only the state fee. 60-day money-back guarantee.

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