Providing temporary use of online non-downloadable software for use in human resources management and professional employer organization (PEO) services management, such as for managing employee payroll, benefits and regulatory compliance; providing temporary use of online non-downloadable software enabling employers to model employee benefit-plan offerings and enabling employees to enroll in benefit plan offerings; providing on-line non-downloadable software for monitoring, analyzing, searching, tracking, managing and reporting of expenses, payroll, time, travel, employee performance, potential employer-related liabilities, human resources claims and employment practices liability claims, and other business data