I’m in the same situation, with the exact same problems. We also found 401k's to be a problem that our payroll vendor that had helped us with all the state iss

I’m in the same situation, with the exact same problems. We also found 401k's to be a problem that our payroll vendor that had helped us with all the state issues before we had a 401k, couldn’t handle (or didn’t want to handle). So we had to change everything to switch to Paychex. Basically everything is harder than it should be, because the states all have crazy rules and are set up to deal with local companies.