I think you should give ADP more credit. Even if they don't have the best product, I would assume they would've foreseen competitors in the front-end benefits f

I think you should give ADP more credit. Even if they don't have the best product, I would assume they would've foreseen competitors in the front-end benefits field and have adjusted their business plans long before this back and forth. Companies that have been in an industry for a long time can often see industry changes coming, even if they don't have the agility to react quickly.