Managed Payroll · 10 employees

At 10 employees, payroll software is usually the right answer. Here is when it stops being.

We are going to argue against ourselves for a minute. At 10 employees, good payroll software runs roughly $90 to $270 a month and handles a straightforward single-state W-2 payroll perfectly well. BEG charges $45 per employee per month with no monthly minimum, so at this headcount you would pay $450. That is still a premium over software, and it is only worth paying for specific reasons. This page covers what those reasons are, and tells you plainly when to stay where you are.

Payroll at 10 Employees: the 10-Return E-File Rule, a $2,000 1099 Threshold, and 2026 Tax Rates

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$450All-inclusive, at 10 employees
All 50States registered and filed
3-5 DaysTo live managed payroll

TL;DR

At 10 employees BEG costs $450 a month, $45 PEPM with no minimum, against roughly $90 to $270 for payroll software. That premium is only justified by complexity: a second state, a garnishment order, tipped or commission pay, certified payroll, or a second EIN. If none of those apply, stay on software. We will tell you that on the call.

What Changes At This Size

What payroll looks like at 10 employees

At this size there is rarely a dedicated payroll person. Payroll is something the owner, the office manager, or the outside bookkeeper does between other work, and it usually runs fine until one complication arrives.

The premium
Be clear-eyed: at 10 employees BEG is still the more expensive option
At $45 per employee per month, 10 employees cost $450 a month. There is no minimum and no setup fee, but that is still well above the $9 to $27 per employee that payroll software works out to. We would rather say that on a page than discover it together on a call. The question is not whether it costs more. It does. The question is whether what you get back is worth it at your specific level of complexity.
The trigger
Complexity, not headcount, is what actually moves companies off self-service
The events that break a self-service setup are a second state, a first garnishment order, tipped or commission pay, certified payroll on a public project, or a second EIN. Each turns a fifteen-minute task into a research project with a compliance deadline attached. Any one of them at 10 employees can justify managed payroll. None of them, and you should stay put.
The risk
At this size, the payroll knowledge usually lives in exactly one person head
When one person handles payroll and nobody else knows the process, a resignation, an illness, or a vacation becomes a payroll event. That concentration risk is real at 10 employees in a way it is not at 100, where there is a team. It is a legitimate reason to outsource that has nothing to do with cost per employee.

The Numbers

What each option actually costs at 10 employees

Published figures where they exist, and our own rate stated plainly. Payroll software is genuinely cheaper on the invoice. The comparison only becomes useful once the work it leaves behind is priced too.

OptionBEG managed payrollThe alternative
Monthly cost$450 all-in$90-$270 payroll software
Effective PEPM$45$9-$27
Who runs payrollBEG: fully managedYou or your office manager
Multi-state filingIncludedManual setup, often extra
GarnishmentsHandled end to endYou process manually
Coverage if your payroll person leavesUnaffectedPayroll stops

BEG at 10 employees: $450 per month, $45 PEPM, the same rate at every size. Payroll software at this size runs roughly $90 to $270 per month. The internal alternative is the owner or office manager doing it personally, at typically 3 to 6 hours per month of owner time.

What Is Included

Everything in the rate, with no per-filing add-ons

  • Payroll processing on your schedule
  • Federal, state, and local tax filing
  • Multi-state registration and filing
  • Direct deposit and pay stub delivery
  • New hire reporting
  • Garnishment processing
  • Benefit and voluntary deduction handling
  • PTO accrual tracking
  • W-2 and 1099 preparation and filing
  • Year-end close
  • Tax notices answered by BEG
  • A named specialist who knows your account

$45 per employee per month, all-inclusive, inside the payroll software you already use. No monthly minimum, no setup fee.

How It Works

Three steps to fully managed payroll

01
Scope review
Fifteen minutes on your headcount, states, pay types, benefit deductions, and current platform. You get a firm number and a straight answer on whether this is a fit at 10 employees.
02
Setup and parallel run
We configure inside your existing platform or on isolved, load employee records and YTD balances, confirm state registrations, and run one cycle in parallel so nothing lands wrong on the first live run.
03
Live in 3 to 5 business days
From signing to live managed payroll. After that, nobody at your company runs payroll. You approve, we do the rest, and your specialist handles the questions that used to land on a manager.

Get The Number For Your Headcount

This page uses 10 employees as the example. Your actual rate depends on states, pay types, and platform. A fifteen minute scope review gets you a firm number, and if managed payroll is the wrong call at your size we will say so rather than quote you anyway.

FAQ

Common questions at 10 employees

Is BEG worth it at 10 employees?

Often not, and we will say so. At 10 employees BEG is $450 a month at $45 PEPM, against $90 to $270 a month for capable payroll software. It becomes worth it when complexity arrives: a second state, a garnishment, tipped or commission pay, certified payroll, or a second EIN.

What does managed payroll cost for a 10-person company?

With BEG it is $450 per month: 10 employees at $45 PEPM, with no monthly minimum and no setup fee. That price is all-inclusive: processing, tax filings, W-2s, direct deposit, compliance monitoring, garnishments, and year-end close.

At what headcount does managed payroll start to make financial sense?

Purely on invoice price, software is cheaper at every headcount. The gap closes once you count the internal hours software still consumes, which grow with every hire, and BEG costs the same $45 per employee at 10 people as at 250. On value, it depends entirely on complexity, and plenty of 10-person companies with multi-state or certified payroll exposure are better served by a managed service than a 40-person single-state company.

Can we start with software and move to BEG later?

Yes, and that is frequently the right sequence. Moving to BEG later costs nothing upfront, there is no implementation fee, and live payroll typically runs 3 to 5 business days from signing. Growing into managed payroll is a normal path.

Related pages

See full managed payroll pricing, or all managed payroll services.

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