Overview
ProductRatingMost Used ByProduct SummaryStarting Price
Dayforce
Score 8.0 out of 10
Enterprise companies (1,001+ employees)
Dayforce is a people platform that simplifies HR operations. As a unified HCMS, it delivers HR, payroll, benefits, workforce management, talent, and analytics—helping organizations boost productivity, stay compliant, and make smarter decisions with embedded intelligence and personalized experiences.N/A
Mitratech TalentReef
Score 6.0 out of 10
N/A
Mitratech TalentReef is a recruitment and talent management system optimized for service-sector workforces. It emphasizes its support for regulatory compliance, automated workflows, and mobile accessibility across its functions for recruiting, onboarding, training, and performance management.N/A
Paycom
Score 8.5 out of 10
N/A
Paycom is an automated HCM platform, built on a single database that eliminates redundant data entry through automation. A payroll and HR software solution, Paycom is used by organizations of all sizes to access employee data without navigating multiple systems.N/A
Pricing
DayforceMitratech TalentReefPaycom
Editions & Modules
No answers on this topic
No answers on this topic
No answers on this topic
Offerings
Pricing Offerings
DayforceMitratech TalentReefPaycom
Free Trial
NoNoNo
Free/Freemium Version
NoNoNo
Premium Consulting/Integration Services
YesNoNo
Entry-level Setup FeeOptionalNo setup feeNo setup fee
Additional Details
More Pricing Information
Community Pulse
DayforceMitratech TalentReefPaycom
Considered Multiple Products
Dayforce
Chose Dayforce
Paycom was before I started, so I don't know much about it. I do know that having everything in a single application has been much easier to keep track of everything and cost effective as well.
Chose Dayforce
By having a single application we have seen an increase in our efficiency and an accuracy in our data. Our previous system had third party modules for many systems and they didn't do a good job "talking" to each other. Our data was often incorrect, charging employees the wrong …
Chose Dayforce
Dayforce is one of the only systems that allows us to list multiple work assignments. In the fitness industry this is crucial since most team members do multiple jobs. Having everything in one place makes our jobs as administrators so much easier. Couldn't imagine using modules …
Chose Dayforce
It is really nice to have all the various modules available under a single application. This has allowed our organization to rollout to all of our employees and streamline process throughout all levels of employees. We continue to tweak/customize our options knowing that DF …
Chose Dayforce
There is a lot less room for error when everything is in one platform. All parties that need to be involved are notified in a timely manner, which allows us to provide better service for our staff. There's less paperwork with this process, and a lot less for us to worry about …
Chose Dayforce
Though there have been headaches, the application is giving us and our employees a greater mode of data integrity.
Chose Dayforce
Time saving...UKG systems do not speak to each other well and it makes for time wasted and headaches. To get something done in ADP you need to make multiple calls and waste time speaking to multiple people. ADP GL creation is so complicated that I as never able to really make …
Chose Dayforce
It is truly integrated. This is a plug-in product that requires a background job to run overnight for the data to sync. I can see the impact of an employee punch in payroll as soon as it happens without any extra steps.
Chose Dayforce
There were much less confusion for our employees. And everything is easier to access.
Chose Dayforce
A cut down of wasted time having multiple log ins and not always communicating correctly with multiple 3 party systems.
Chose Dayforce
There are many other HRIS software companies that also offer 3rd party integration. Any time you can develop a one stop shop, your human resources team will be more efficient and productive and your records will be more complete. It would be more beneficial if more services …
Chose Dayforce
Having everything in one place and all of the data "talking" to each other has allowed for a lot less time locating information. It also ensure that data is correct across multiple areas - payroll, job info, and benefits. We don't have to spend extra time making sure data is …
Chose Dayforce
There is no need to pull hours from another platform and upload them into the system, like with ADP TimeSaver.
Chose Dayforce
Having all payroll and benefits in one system has eliminated errors and made employee usage more efficient.
Chose Dayforce
The integration between HR, Time & Benefits, and Payroll works very smoothly, which allows us to trust and rely on the data we see. We especially like the ability to be in a module and pop into People to check a pay rate or other HR data. Also, being able to see the time data …
Chose Dayforce
It just makes everything easier when everything is in one location, so if an issue comes up, you have one main point of contact to help handle all modules.
Chose Dayforce
If they worked well, the product would be great, however they don't. Too many bugs.
Mitratech TalentReef

No answer on this topic

Paycom
Chose Paycom
Paycom solved our primary needs to pay our employees and it’s furthermore solved our so many additional HR problems as well. So it’s much more advance than the other similar software.
Chose Paycom
Paycom is an all-inclusive system that has a lot to offer. We were impressed by all of the features and benefits of WorkForce, but WorkForce does not have its own payroll processing system or time clocks which was a big detractor for our organization.
Chose Paycom
All the other HCM providers are better than Paycom. Paycom misrepresented itself and does not provide the services it advocates. Moreover, it overcharges you for everything.
Features
DayforceMitratech TalentReefPaycom
Human Resource Management
Comparison of Human Resource Management features of Product A and Product B
Dayforce
8.1
602 Ratings
0% below category average
Mitratech TalentReef
-
Ratings
Paycom
7.9
455 Ratings
3% below category average
Employee demographic data8.8525 Ratings00 Ratings8.9412 Ratings
Employment history9.0559 Ratings00 Ratings7.8396 Ratings
Job profiles and administration9.1549 Ratings00 Ratings8.0399 Ratings
Workflow for transfers, promotions, pay raises, etc.9.1553 Ratings00 Ratings7.5399 Ratings
Organizational charting6.7502 Ratings00 Ratings7.3312 Ratings
Organization and location management6.8548 Ratings00 Ratings7.6350 Ratings
Compliance data (COBRA, OSHA, etc.)7.4370 Ratings00 Ratings8.3332 Ratings
Payroll Management
Comparison of Payroll Management features of Product A and Product B
Dayforce
8.6
602 Ratings
6% above category average
Mitratech TalentReef
-
Ratings
Paycom
8.3
463 Ratings
2% above category average
Pay calculation9.1588 Ratings00 Ratings8.7450 Ratings
Support for external payroll vendors7.2295 Ratings00 Ratings6.447 Ratings
Off-cycle/On-Demand payment9.0154 Ratings00 Ratings8.718 Ratings
Benefit plan administration8.3475 Ratings00 Ratings8.2391 Ratings
Direct deposit files9.1574 Ratings00 Ratings9.3450 Ratings
Salary revision and increment management8.3456 Ratings00 Ratings8.2375 Ratings
Reimbursement management8.9309 Ratings00 Ratings8.4257 Ratings
Leave and Attendance Management
Comparison of Leave and Attendance Management features of Product A and Product B
Dayforce
8.9
547 Ratings
9% above category average
Mitratech TalentReef
-
Ratings
Paycom
8.4
407 Ratings
3% above category average
Approval workflow9.2515 Ratings00 Ratings8.6388 Ratings
Balance details8.9529 Ratings00 Ratings8.2387 Ratings
Annual carry-forward and encashment8.5434 Ratings00 Ratings8.4322 Ratings
Employee Self Service
Comparison of Employee Self Service features of Product A and Product B
Dayforce
8.2
615 Ratings
0% above category average
Mitratech TalentReef
-
Ratings
Paycom
8.5
464 Ratings
4% above category average
View and generate pay and benefit information8.5586 Ratings00 Ratings9.0455 Ratings
Update personal information8.4599 Ratings00 Ratings8.8460 Ratings
View company policy documentation7.6419 Ratings00 Ratings7.9408 Ratings
Employee recognition8.9219 Ratings00 Ratings8.7223 Ratings
View job history7.6492 Ratings00 Ratings7.8369 Ratings
Asset Management
Comparison of Asset Management features of Product A and Product B
Dayforce
8.3
103 Ratings
3% above category average
Mitratech TalentReef
-
Ratings
Paycom
4.9
26 Ratings
49% below category average
Tracking of all physical assets8.3103 Ratings00 Ratings4.926 Ratings
HR Reporting
Comparison of HR Reporting features of Product A and Product B
Dayforce
6.3
601 Ratings
18% below category average
Mitratech TalentReef
-
Ratings
Paycom
7.1
402 Ratings
6% below category average
Report builder6.5592 Ratings00 Ratings7.8395 Ratings
Pre-built reports6.5592 Ratings00 Ratings7.7392 Ratings
Ability to combine HR data with external data6.0416 Ratings00 Ratings5.855 Ratings
Onboarding
Comparison of Onboarding features of Product A and Product B
Dayforce
8.6
394 Ratings
8% above category average
Mitratech TalentReef
6.5
14 Ratings
11% below category average
Paycom
8.1
399 Ratings
2% above category average
New hire portal9.0384 Ratings6.214 Ratings8.1396 Ratings
Manager tracking tools8.2338 Ratings6.214 Ratings8.1344 Ratings
Compliance tracking and reporting00 Ratings7.113 Ratings00 Ratings
Performance and Goals
Comparison of Performance and Goals features of Product A and Product B
Dayforce
8.4
257 Ratings
5% above category average
Mitratech TalentReef
8.0
3 Ratings
9% above category average
Paycom
6.1
232 Ratings
27% below category average
Corporate goal setting7.8215 Ratings9.01 Ratings4.236 Ratings
Individual goal setting8.8236 Ratings00 Ratings7.8215 Ratings
Line-of sight-visibility8.3201 Ratings00 Ratings4.835 Ratings
Performance tracking8.6241 Ratings8.03 Ratings7.6227 Ratings
Subordinate goal setting00 Ratings7.01 Ratings00 Ratings
Performance Management
Comparison of Performance Management features of Product A and Product B
Dayforce
8.1
283 Ratings
3% above category average
Mitratech TalentReef
6.0
8 Ratings
13% below category average
Paycom
7.6
289 Ratings
4% below category average
Performance plans8.6262 Ratings2.24 Ratings7.7268 Ratings
Performance improvement plans8.3225 Ratings2.34 Ratings7.4252 Ratings
Review status tracking7.4265 Ratings8.24 Ratings7.8260 Ratings
Review reminders8.2260 Ratings00 Ratings7.8266 Ratings
Multiple review frequency7.7234 Ratings8.33 Ratings7.3238 Ratings
Manager note taking00 Ratings8.04 Ratings00 Ratings
Reporting00 Ratings6.95 Ratings00 Ratings
Succession Planning
Comparison of Succession Planning features of Product A and Product B
Dayforce
8.2
131 Ratings
5% above category average
Mitratech TalentReef
-
Ratings
Paycom
8.7
47 Ratings
11% above category average
Create succession plans/pools9.1104 Ratings00 Ratings9.126 Ratings
Candidate ranking7.8113 Ratings00 Ratings9.132 Ratings
Candidate search7.7118 Ratings00 Ratings8.445 Ratings
Candidate development8.2106 Ratings00 Ratings8.342 Ratings
Recruiting / ATS
Comparison of Recruiting / ATS features of Product A and Product B
Dayforce
9.1
302 Ratings
16% above category average
Mitratech TalentReef
6.8
15 Ratings
4% below category average
Paycom
7.0
288 Ratings
10% below category average
Job Requisition Management9.4284 Ratings8.014 Ratings7.2257 Ratings
Company Website Posting9.4277 Ratings9.913 Ratings7.0252 Ratings
Publish to Social Media8.8233 Ratings4.013 Ratings6.3199 Ratings
Job Search Site Posting9.4265 Ratings9.915 Ratings6.9234 Ratings
Duplicate Candidate Prevention7.7229 Ratings1.414 Ratings6.8221 Ratings
Applicant Tracking9.4276 Ratings8.115 Ratings7.0262 Ratings
Notifications and Alerts9.4272 Ratings8.012 Ratings7.9271 Ratings
Customized Application Form00 Ratings2.315 Ratings00 Ratings
Resume Management00 Ratings8.011 Ratings00 Ratings
Candidate Search00 Ratings5.215 Ratings00 Ratings
Collaboration00 Ratings8.01 Ratings00 Ratings
Email Templates00 Ratings8.09 Ratings00 Ratings
User Permissions00 Ratings7.014 Ratings00 Ratings
Reporting00 Ratings7.114 Ratings00 Ratings
Best Alternatives
DayforceMitratech TalentReefPaycom
Small Businesses
Dayforce Powerpay
Dayforce Powerpay
Score 9.3 out of 10
Paycor
Paycor
Score 7.5 out of 10
Dayforce Powerpay
Dayforce Powerpay
Score 9.3 out of 10
Medium-sized Companies
Paypro Workforce Management
Paypro Workforce Management
Score 9.1 out of 10
Engagedly
Engagedly
Score 8.5 out of 10
Paypro Workforce Management
Paypro Workforce Management
Score 9.1 out of 10
Enterprises
PeopleStrong
PeopleStrong
Score 10.0 out of 10
PeopleStrong
PeopleStrong
Score 10.0 out of 10
PeopleStrong
PeopleStrong
Score 10.0 out of 10
All AlternativesView all alternativesView all alternativesView all alternatives
User Ratings
DayforceMitratech TalentReefPaycom
Likelihood to Recommend
8.5
(639 ratings)
7.1
(15 ratings)
8.7
(562 ratings)
Likelihood to Renew
8.8
(89 ratings)
-
(0 ratings)
7.2
(24 ratings)
Usability
4.2
(60 ratings)
-
(0 ratings)
9.0
(86 ratings)
Availability
10.0
(12 ratings)
-
(0 ratings)
9.1
(2 ratings)
Performance
5.0
(13 ratings)
-
(0 ratings)
9.1
(2 ratings)
Support Rating
8.9
(66 ratings)
9.0
(1 ratings)
9.1
(52 ratings)
In-Person Training
7.0
(11 ratings)
-
(0 ratings)
6.4
(1 ratings)
Online Training
7.3
(18 ratings)
-
(0 ratings)
3.8
(3 ratings)
Implementation Rating
8.9
(44 ratings)
-
(0 ratings)
8.2
(7 ratings)
Configurability
9.0
(13 ratings)
-
(0 ratings)
9.1
(2 ratings)
Ease of integration
7.3
(9 ratings)
-
(0 ratings)
5.5
(1 ratings)
Product Scalability
9.9
(14 ratings)
-
(0 ratings)
9.1
(2 ratings)
Vendor post-sale
8.9
(18 ratings)
-
(0 ratings)
9.0
(4 ratings)
Vendor pre-sale
9.9
(12 ratings)
-
(0 ratings)
9.0
(4 ratings)
User Testimonials
DayforceMitratech TalentReefPaycom
Likelihood to Recommend
Dayforce
I think Dayforce is a great option for a large and/or Global organization. I do not think it would be the best fit for a very small company or business. It really shines for enterprise organizations with multi-locations. While a small business could use it, I would say it has too many bells and whistles that might feel overwhelming to a smaller organization.
Read full review
Mitratech
I rarely give 10/10, mainly because I have learned that that we can always learn new things and to grow. Thus, I feel that same applies to Talent Reef. While I struggled a bit in the beginning to use this application, It is probably that struggle that has made me a better user for being so persistent at using it. Now that I have more than just the basics I think for any size company the functionality of the program will work for them.
Read full review
Paycom
I've implemented at least 7 HRMS and/or performance suites over the years. I have no true complaints about the platform. We have found that for one of our client codes, the scheduling functionality doesn't accommodate the constant scheduling adjustments our transportation company requires. That said, our routes can change more than once an hour and start/end times often change with routes. We have found that managing the full employee life cycle is even more streamlined with the recent Position Seat updates. We also value that the platform is a native build - so no lagging API integrations to navigate.
Read full review
Pros
Dayforce
  • Payroll - it shows everything in real time and it runs quickly.
  • People - Having all employee details from the offer letter to W2 information in the same spot.
  • Dayforce Wallet: The on-demand feature is fully integrated with Timesheets and Payroll. What shows in one will be in the other.
Read full review
Mitratech
  • We've been with talentReef nearly 2 years and our last 2 account managers have been great! Support was a concern right after we converted, but we were able to gain an account rep and began weekly calls until all the holes were plugged in.
  • Linking ATS data and onboarding data eliminates the need for the applicant/new hire to enter the same information twice.
  • We're now receiving system emails regarding upcoming new releases, which is helpful.
Read full review
Paycom
  • Before Paycom we were using Paylocity and in about six months of running payroll with Paylocity, we never once had 100% accuracy from a payroll standpoint. So we had disgruntled employees because either their time was off or their pay was off. With Paycom, we've never had a case where our payroll was not 100% accurate.
Read full review
Cons
Dayforce
  • There have been a few instances of users being locked out of Ceridian due to recent upgrades. Not ideal when an employee wants to see their paystub and is suddenly have login issues.
  • Not the best for when an employee is transferred to another country as their employee number is locked to their SIN or SSN. And, we are required to create a new user record with a new employee number for the new country.
Read full review
Mitratech
  • If any organization is looking to use TalentReef, I would suggest they make sure they have a project lead. TalentReef is a customizable platform that can be used to help your business. Your business will only get the full use out of the program if someone from within leads the project and communicates what they need from TalentReef. TalentReef can provide the basic needs, but the true value comes when you customize the program.
Read full review
Paycom
  • I think that when we do need a response back, which is very unlikely from the contact about something that's happening or going on, it can take a little long to get back to us. Longer than we would like because obviously it's an emergency to us, but we understand they have tons of emergencies they have to solve. But I think that's the only aspect.
  • I know from a payroll standpoint, which I'm not really privy to because I don't work on the payroll side, there have been some little hiccups that about certain formulas used, certain credits being issued that we've already filed for tax credits that we filed for. So I know that my CFO's already on top of it and pay comes on top of it as well and it's getting resolved, but obviously that's a big issue that needs some work there.
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Likelihood to Renew
Dayforce
We are highly invested in Ceridian's Dayforce product. It give us the flexibility and scaling that our growing company needs. Its potential reaches beyond the basic HR functions to the decision making that our Management Team needs. Ceridian is always innovating the employee and employee experiences to offer cutting edge options.
Read full review
Mitratech
No answers on this topic
Paycom
we are having no problems with how the system works and our support system at paycom is the best - we are learning more and using the system in more ways all the time the only thing that could be better is pricing on some things
Read full review
Usability
Dayforce
I think it's very usable for the employee. I don't think it is as easy for the HR/PR admins - especially if there is an issue. There are so many setup screens that need to be looked at to try to figure out why payroll isn't calculating properly, hours aren't feeding over correctly, or benefits are not calculating properly. For the most part, they can't do their own troubleshooting. The same is true for the managers. Our managers find it cumbersome to go into make any schedule changes after the schedules have been generated.
Read full review
Mitratech
No answers on this topic
Paycom
The interface is very intuitive, you can navigate it pretty well. Everything's pretty much spelled out and the features just flow really well. They make it easy for you to go back and forth with the UX/UI type of interface. So I think it was built pretty well.
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Reliability and Availability
Dayforce
Dayforce's high availability ensures that our HR processes are supported around the clock, which is critical for a global organization like ours. The platform is cloud-based, offering reliable access from any location at any time, allowing our employees, managers, and HR teams to stay connected regardless of time zones or geographic locations. This level of availability ensures that payroll processing, employee self-service, and real-time data access continue uninterrupted, even during peak periods or unforeseen disruptions. The system’s robust infrastructure minimizes downtime, which is vital for operations that span multiple regions. Additionally, having a centralized platform that’s always available helps keep our teams aligned, ensures compliance, and facilitates timely decision-making across all our locations.
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Mitratech
No answers on this topic
Paycom
They are very dependable and I have never experience any outages
Read full review
Performance
Dayforce
We haven't noticed any slow-down due to the integration of Dayforce WFM with our Ceridian HPL products (HRIS and Payroll). The new HTML view of the timesheets don't load as quickly as the old Silverlight view - however, we have gotten used to the change.
Read full review
Mitratech
No answers on this topic
Paycom
Yes, Paycom's performance is excellent, no issues.
Read full review
Support Rating
Dayforce
Most of the time the support is great; it's not always super efficient but I always get the help I need. Occasionally it takes a lot longer than we had hoped or get conflicting responses. We had one ticket recently where we were told we would have to pay the service team to support us on the project and then another person called the next day with the solution to our query and was able to find a solution easily. Generally, though, the response is great and they either walk me though how to do something via a Zoom Meeting or they email step-by-step instructions on how to do it and say if I have questions we can set up a meeting to discuss further.
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Mitratech
We have had very few issues with talentReef, but when we did they were resolved quickly and in a timely manner.
Read full review
Paycom
Have been bounced around alot in our 3 years of partnership. Wanted a dedicated rep but that did not provide us the care and attention we required. Work with a team first and then get to your representative. Sometimes an issue with time differences - representative working on different timebelt and not accessible, or we had to wait a day to move an issue along
Read full review
In-Person Training
Dayforce
Because the training we reviewed at Insights has changed how we use the system everyday. This is a key factor in our training.
Read full review
Mitratech
No answers on this topic
Paycom
They were a sales person and not really a good trainer.
Read full review
Online Training
Dayforce
The courses are very interactive and informative. There are classes for every topic, which allows you to make the most of the system. There are also some "go at your own pace" course which is a great option for a busy schedule.
Read full review
Mitratech
No answers on this topic
Paycom
All the online training modules were short and straight to the point. Every module teach you how to use the system. If there is one thing they know how to do is training. We did implementation during the pandemic so all had to be done online or via zoom meetings.
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Implementation Rating
Dayforce
Have a strong internal team. Communicate with your implementation team - they are there to make it work for you. Take the time to really think about how you want the system to work for you - in some cases, you may need to rethink your own business practices to see if you are working harder when the system could do it for you
Read full review
Mitratech
No answers on this topic
Paycom
Not at all satisfied it was a nightmare we spent over 8 months with the implementation team having issues after issues all related to the Puerto Rico regulations (half my employees are in Puerto Rico) and at the end we were moved over from the implementation team to the production team without all the issues being resolved
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Alternatives Considered
Dayforce
I can't speak much to how it would be if we had all of these features separately since I started with Dayforce all being integrated and have no other experience, but having it all in one place has made the completion of all of these HR tasks seamless. We can direct all of our energies into the same system, and it makes it easier to field employee inquiries and to troubleshoot when we need to
Read full review
Mitratech
TalentReef has a better interface than SnagAJob, but that is just about it. SnagAJob did a very good job in applicant flow, however, they also advertise for other companies during the application process which is a major downside to their system. Newton is far superior not only with pricing but in support and functionality. After only 60 days with the system, I could not imagine going back to TalentReef ever again.
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Paycom
We really only had Paychecks and that was our biggest problem is that with several different companies, it was very hard If you had a salary employee and didn't terminate them in the prior company, they get paid twice, so this has really been definitely a big help for us.
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Scalability
Dayforce
Overall, we are extremely happy with the Dayforce WFM module. Our biggest pain point is concerning the twice annual software upgrades - which is the only reason I haven't rated them as a '10'. Because every customer is configured differently, the upgrades can sometimes have adverse effects on our current configured policies/rules. And although they roll-out the upgraded version in a test environment several weeks before go-live, not all testing is accurate in that environment. Some issues do not present themselves until you are working with live punches.
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Mitratech
No answers on this topic
Paycom
They are not able to meet our current needs
Read full review
Return on Investment
Dayforce
  • Performance Reviews/Comp used to be handled via paper and tracking/reporting was a nightmare - having all of that in the system is so much more efficient and provides huge ROI
  • Our organization used to have big problems with hiring managers going rogue and hiring positions that aren't approved by Finance - we built an approval workflow in the system that triggers before any req is approved which has completely solved this problem
  • Dayforce Wallet has been a huge perk for our employees - it's heavily used and our crew love it
Read full review
Mitratech
  • The impact in terms of I-9's and E-Verify being completed accurately and quickly is immense. It is tough to put a price or ROI on avoiding any legal complications.
  • All of our corporate locations now "speak the same language" in terms of applicants and new hire on-boarding.
Read full review
Paycom
  • I would think the most time would come from applicant tracking and I don't think that's a Paycom issue necessarily. I think it was a training issue during implementation. I would say that that has improved now that we had onsite training. But initially the applicant tracking piece can be difficult when you're used to just using an ATS. That's specifically for talent acquisition because there's a lot of nuances that goes into the system that Paycom bills.
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ScreenShots

Dayforce Screenshots

Screenshot of Dayforce HubScreenshot of Human Resources (Position Management)Screenshot of Dayforce Reporting & AnalyticsScreenshot of People AnalyticsScreenshot of Dayforce HR Service DeliveryScreenshot of Dayforce Flex Work

Paycom Screenshots

Screenshot of a new study that reveals that for a composite organization representative of interviewed clients, unifying HR and payroll in a single-database software with automation and streamlined workflows achieved a three-year 362% ROI and resulted in: $1.4M net present value*; over 45% total time saved by HR; 80% time saved on compliance work.Screenshot of IWant, which is a command-driven AI engine in a single database, for instant access to employee data.Screenshot of Direct Data Exchange®, which takes a detailed pulse of how employees interact with Paycom. It automatically assigns a dollar value of savings based on Ernst & Young research.