So what will Zenefits eventual business model look like if they survive this ? I don't think they can be an insurance broker; customers would have to be incred

So what will Zenefits eventual business model look like if they survive this ? I don't think they can be an insurance broker; customers would have to be incredibly stupid to buy insurance from them. If they are going to be an HR software company, then do they even deserve that kind of valuation, as their current valuation seems to be base on an expectation of hypergrowth. HR s/w companies rarely have hypergrowth , what with SAP and Oracle owning large chunks of the enterprise market.