All build in Mother Board RAID engines are NOT hardware RAID.
It is Fake RAID - Linux term. Other calls hardware assist RAID
You may think with all CPU's Cores that we have it's should not be a problem to utilize host CPU, right? Depend.
There are couple issue involve:
1 - RAID engine coding - how effient were coded wiht firmware and drivers. This is why some RAID card runs better than other
2 - RAID level: RAID1/0/10 ARE OK to use with MB's RAID, where RAID5 there may be a potential problem, due to more calculation for parity
3 - Number of drives: Although the SATA has been improve a lot, still it requires IRQ (interrupt requested) assist to run by issuing IRQ This process may not take much of CPU power, but definitely cost the system time.
When use 5 or more drives and RAID5 this in turns generate both hardware IRQ and software IRQ this can be problematic for the host system.
So the HW raid - although IO processor does not pose much of power but elimiate lot IRQ from the HOST's CPU, there for system is faster and more efficient.
That is why all the high end system IT guy always use HW raid
Here is the ref:
http://en.wikipedia.org/wiki/Interrupt#Performance_issues