...and completing all of those forms flawlessly, as a layperson, lest you open yourself to any number of lawsuits. Just the thought of it makes me nervous. It's why large companies have dedicated staff to dealing with such issues.
If you don't have the money to pay $50 bucks then do it yourself and just worry less. The chance you mess up is so low it isn't even a thing.
If you're unable to grow your business because you are scared about a step required to grow your business you aren't going to grow your business. Nobody owes you this. Risk aversion isn't anyone else's fault.
She's managed just fine as well. I've managed a department previously and had to deal with worker's comp matters and same thing. It's not very difficult to learn. It's a bit of overhead, sure. It's just part of the job of overseeing others.