I see you getting downvoted, but I don't think that's fair. Whether people like it or not this is almost certainly how ADP views the situation. The term "disintermediation" used to be tossed around 10-15 years ago, to describe the process of upstart tech companies getting between older, slower moving companies and their customers. ADP is definitely in the older, slower moving category. Defense is probably the only real offense they can bring to bear. I know they do business as a back office provider to various resellers who target segments they aren't particularly good at servicing. They probably don't view the Internet as a candidate for this, though.