Make sure your math includes the overheads associated with using an external party to do the board loading. Small board run done yourself. Much cheaper unframed stencil, no paperwork, quoting, chit chat, building reference samples, validation sample, handling
In the NL I know several companies which are perfectly setup for small jobs. Like €250 initial setup costs for 10 boards (TQFP, SMT and some thru-hole). I'm sure you can find these kind of companies in every country but you have to look hard because they don't spend as much on advertising as the big assembly houses.