Ask HN: benefits, financial management - what do you use?

What are YC (and YC-like) startups using for benefits and financial management? There are complete HR outsourcing companies (e.g., http://www.trinet.com) but I've heard they like 10+ employees in a company. Intuit is still the standard for small business financial management, but it looks like it is all client/server installs instead of web-based services. Or are benefits/financial management something you do once you have 10+ employees?